Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Janice Walker

Central Florida

Summary

Dynamic and results-driven Claims Examiner with over 17 years of comprehensive experience in property insurance claims, specializing in complex and litigated losses. Demonstrated success managing and resolving Residential Homeowners, Commercial, Flood, Business Owners, Employee Dishonesty, and Builders Risk claims. Expertise includes litigation management, insolvency cases, CRN and NOI responses, AOB disputes, and PA/Attorney-represented files. Adept at navigating high-severity losses with precision and efficiency. Recognized for analytical rigor, proactive case handling, and the ability to drive favorable outcomes in fast-paced, high-volume environments.

Overview

18
18
years of professional experience
1
1
Certification

Work History

Property Claims Analyst

Next Era Claims
01.2025 - 07.2025
  • Audited catastrophe-denied claims to ensure proper application of coverage and policy exclusions.
  • Identified potential trends in denial errors and provided recommendations for process improvements.
  • Reopened claims when necessary to correct misapplied denial reasons or incomplete investigations.
  • Partnered with catastrophe response teams, quality assurance, and leadership to improve denial protocols.
  • Maintained compliance with state regulations, DOI guidelines, and internal quality standards.
  • Analyzed claims data to identify trends and recommend process improvements.
  • Collaborated with cross-functional teams to resolve complex claims issues efficiently.
  • Reviewed documentation for accuracy and compliance with regulations and policies.
  • Overseen Third-Party Administrators (TPAs) and outside Defense Counsel through audits, compliance monitoring, performance metrics, and enforcing KPIs.
  • Developed training materials to enhance staff understanding of claims processing systems.

Litigation Complex Unit Senior Adjuster

Florida Peninsula Insurance Company/Edison Insurance Company
03.2023 - 07.2024
  • Handled Notice of Intent to Litigate Settlement Demands pursuant to Florida Statute 627.70152(3)(a) and Florida Statute 627.0625(1) with expediency, fairness, professionalism, and consistency.
  • Placed a priority on acknowledging new demands timely, re-evaluating every claim with an unbiased viewpoint and provided a prompt response within 10 days pursuant of F.S.
  • Maintained a connection with the Insured represented Attorney, Public Adjuster and Third-Party Vendors resolve all matters. Managed, researched, and resolved complex customer communications, concerns, and conflicts.
  • Managed complex claims files in pre-litigation and litigation including managing cases in mediation or arbitration, negotiated out-of-court settlements on files in pre-litigation and litigation in accordance with business unit best practices, litigation plans and strategy.
  • Attended Roundtable and/or Calibration discussions.

Litigation Examiner

United Property and Casualty Insurance Company
08.2022 - 01.2023
  • Investigate, evaluate, negotiated and settle personal litigated claims.
  • Interpret and analyze legal documents, deposition transcripts, expert reports, attorney evaluations, gained from discovery during litigation.
  • Corporate Representative for UPC Litigation Claims.
  • Coordinate, schedule and attended depositions, EUOs, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as needed.
  • Direct Defense Counsel throughout the litigation process in accordance with UPC objectives, guidelines and strategies.
  • Establish and evaluate reserves, Defense Counsel’s budget and document rationale accordingly.
  • Evaluate claims based on coverage, liability, causation, and damages.
  • Respond to decisions, agreements, or court orders with litigation strategies and action plans.
  • Manage file inventory to ensure timely resolution of cases.
  • Create, prepare and analyze reports on litigation trends and processes.
  • Document all relevant information in the electronic claims management system.

Litigation Examiner

Heritage Insurance
05.2021 - 07.2022
  • Ensure the validity of litigated claims while maintaining Heritage’s commitment to superior customer service and support.
  • Manage first party defense costs associated with assigned claims according to Legal Department policies and practices.
  • Monitor assigned lawsuits to conclusion, overseeing the timely deposition of litigated claims and keeping all claims files organized and up-to-date.
  • Develop an appropriate initial litigation plan with defense counsel following up on all additional investigation, discovery, and the production of related documents as needed.
  • Negotiate and settle claims, attending mediations and trial as needed.
  • Coordinate, schedule and attended depositions, EUOs, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as needed.

Large Loss Litigation Specialist

Citizens Property Insurance Company
09.2018 - 11.2020
  • Investigated, evaluated, negotiated and settled the high severity/complex personal and/or commercial claims, including dispute resolution and/or recovery within Citizens Best Claims Practices and Estimating Guidelines and industry standards.
  • Interpreted and analyzed legal documents, depositions, expert reports, attorney evaluations, and medical reports, gained from discovery during litigation.
  • Interpreted and applied laws, rules, regulations, policies and procedures, and department operational guidelines in daily functions.
  • Coordinate, schedule and attended depositions, EUOs, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as needed.
  • Directed Defense Counsel throughout the litigation process in accordance with Citizens objectives, guidelines and strategies.
  • Established and evaluated reserves, Defense Counsel’s budget and documented rationale accordingly.
  • Evaluated claims based on coverage, liability, causation, and damages according to the state laws, Citizens In-House Legal Counsel and appointed Defense Counsel.
  • Responded to decisions, agreements, and/or court order and created action plans.
  • Presented litigated matters to Citizens Litigation Management, Citizens In-House Legal and Defense Counsel.
  • Managed file inventory to ensure timely resolution of cases.
  • Created, prepared and analyzed reports on litigation trends and processes.
  • Documented all relevant information in the electronic claims management system.

Senior Catastrophe Claims Pre-Litigation / Litigation Adjuster (Contract)

American Integrity Insurance
09.2017 - 06.2018
  • Investigated and evaluated coverage, liability, and damages for Residential, Mobile Home, Catastrophic and Flood and Litigation claims/matters to determine appropriate reserves and settlement values and resolve claims on merits. Claims inventory complexity ranged from complex to high exposure claims.
  • Directed defense counsel as well as attend mediations and trials, as necessary.
  • Negotiated with Public Adjusters & Attorneys to resolve and disputes and conclude each claim.
  • Worked independently with minimal direct supervision and resolved claims with designated monetary authority.
  • Delivered exceptional customer service through professional communication including telephone, email and written correspondence.
  • Maintained a high level of technical expertise specific to areas handled.
  • Provided mentoring to claim representatives as needed.

Senior Claims Adjuster II

Bankers Insurance Group (Bintech Partners)
06.2016 - 09.2017
  • Investigated and evaluated coverage, liability, and damages for Residential, Commercial, and Catastrophic, Flood, Business Owners Policies, Employee Dishonesty and Builders Risk claims to determine appropriate reserves and settlement values. Claims inventory complexity ranged from complex to high exposure claims.
  • Directed Defense Counsel as well as attend Mediations and Trials, as necessary.
  • Negotiated with Public Adjusters & Attorneys to resolve and disputes and conclude each claim.
  • Worked independently with minimal direct supervision and resolved claims within designated monetary authority.
  • Presented claims, when required, to senior management at quarterly Claims Advisory meeting and updated spreadsheets when needed.
  • Prepared appropriate reinsurance reports and timely updates.
  • Participated in claim audits and other special projects as assigned.
  • Delivered exceptional customer service through professional communication including telephone, email and written correspondence.
  • Maintained a high level of technical expertise specific to areas handled.
  • Provided mentoring to claim representatives as needed.

Property Claims Field Supervisor

Professional Claims Representatives
11.2015 - 06.2016
  • Adjusted moderate to complex property claims. Severity of claims includes personal property claims involving high dollar value, structure claims involving low to moderate dollar value and severity, writing UPP and dwelling estimates. Also, applied appropriate coverage as needed.
  • Supervised claims adjusters, field adjusters and third-party vendor investigations, invoices, report & estimates.
  • Collaborated with team members to resolve issues and to identify appropriate issues for escalation. Negotiate and settle claims within authority.
  • Negotiated with Public Adjusters, Attorneys, AOBs and Insureds to resolve and disputes and conclude each claim both pre-litigation and litigated claims.
  • Identified and referred claims for subrogation as needed.
  • Used Xactimate and Xactanalysis to create estimates, settle losses and communicate with field adjusters & third-party vendors.
  • Partnered, directed and/or managed vendors and internal business partners to facilitate claims resolution.
  • Contributed to business goals, performance metrics, and effectively uses tools & technology.
  • Supported workload surges and/or Catastrophe operations as needed to include working significant overtime during designated CATs.

Property Claims Adjuster

American Claims Management
07.2014 - 10.2015
  • Adjusted moderate to complex property claims. Severity of claims includes personal property claims involving high dollar value, structure claims involving low to moderate dollar value and severity, writing UPP and dwelling estimates. Also, applied ALE coverage as needed.
  • Acquired and applied knowledge of P&C insurance industry products, services, and processes to include P&C insurance policy contracts, coverages, and ACM claim handling process and procedures.
  • Collaborated with team members to resolve issues and to identify appropriate issues for escalation. Negotiate and settle claims within authority.
  • Processed Denial & Reservation of Rights Letters as needed for management approval.
  • Identified and referred claims for subrogation as needed.
  • Negotiated with Public Adjusters, Attorneys, AOBs and Insureds to resolve and disputes and conclude each claim both pre-litigation and litigated claims.
  • Partnered, directed and/or manages vendors and internal business partners to facilitate claims resolution.
  • Contributed to business goals, performance metrics, and effectively uses tools & technology.
  • Supported workload surges and/or Catastrophe operations as needed to include working significant overtime during designated CATs.

Property/Flood Claims Examiner

United Property & Casualty Insurance Co.
06.2013 - 06.2014
  • Thoroughly investigated all claims made against insurance companies for property loss due to flood and water loss.
  • Examined insurance policies to determine insurance coverage for individual claims.
  • Recorded, managed, and updated claim information and records in computer databases and in physical files.
  • Reviewed, payed, and processed residential water claims.
  • Supervised claims adjusters, field adjusters and third-party vendor investigations, invoices, report & estimates.
  • Worked with Public Adjusters & Attorneys to resolve and disputes and conclude each claim.
  • Processed appropriate Settlement, Denial & Partial Denial and Reservation of Rights Letters as needed.
  • Referred claims for subrogation and savage as needed.
  • Handled both catastrophic & daily claim losses.
  • Negotiated with Public Adjusters, Attorneys, AOBs and Insureds to resolve and disputes and conclude each claim both pre-litigation and litigated claims.

Flood Claims Examiner

Fidelity National Property and Casualty Insurance Group / Questpro Consultants
11.2012 - 03.2013
  • Thoroughly investigated all claims made against insurance companies for property loss due to flood loss.
  • Examined insurance policies to determine insurance coverage for individual claims.
  • Recorded, managed, and updated claim information and records in computer databases and in physical files.
  • Reviewed, payed, and processed residential, commercial, and catastrophe flood claims.
  • Reviewed claims after insurance adjuster investigations to assess if further investigation is needed
  • Verified, analyzed, and validated claims data; estimating repair, replacement, and compensation costs.
  • Worked with Public Adjusters & Attorneys to resolve and disputes and conclude each claim.
  • Negotiated with Public Adjusters, Attorneys, AOBs and Insureds to resolve and disputes and conclude each claim both pre-litigation and litigated claims.

Automobile/Property Claims Examiner

USAA (United Services Automobile Association)
07.2007 - 03.2012
  • Provided Property claims service via internal channels (phone/email/fax/mail/etc) to members and third-party customers.
  • Adjusted complex property claims which includes: Catastrophic losses, wind, hail, tornado, flood, vandalism/theft & foreclosed losses.
  • Assisted the handling of Injury Automobile losses.
  • Used Xactimate and Xactanalysis to create estimates, settle losses and communicate with field adjusters & third-party vendors.
  • Investigated Subrogation claims.
  • Worked with Public Adjusters & Attorneys to resolve and disputes and conclude each claim.
  • Provided technical support, server administration or application integration to Insureds.
  • Drafted Declination, Reservation of Rights and other coverage letters.
  • Negotiated with Public Adjusters, Attorneys, AOBs and Insureds to resolve and disputes and conclude each claim both pre-litigation and litigated claims.
  • Present case statuses/summaries in a clear, concise and understandable manner
  • Documented and communicated all claim activities timely and effectively and in a manner, which supports the outcome of the claim file.
  • Interpret related claims documentation.
  • Initiated and oversee serious automobile accident investigations and rapid response.
  • Developed strategies and effective plans that drive claims to better results.
  • Accurately assess and resolve automobile insurance coverage issues, analyzed facts and allegations in conjunction with all policy provisions, endorsements and amendments.

Education

Bachelor of Information Technology -

University of Phoenix
08-2026

Skills

  • Team Leadership
  • Large Loss Litigation Specialist Experience
  • Claim Processing/Examination
  • Alternative Dispute Resolution Experience
  • Trial Experience
  • Mediation/Deposition Experience
  • Insurance Data Management
  • Claims Investigations
  • Insurance Documentation
  • Employee Training/Development
  • Deadline Driven
  • Professional Presentations
  • Financial Analysis
  • Carrier Experience
  • Third-Party Administration Experience
  • Independent Adjustment Firm Experience
  • Experience Adjusting Public Adjuster & Attorney Represented Claims
  • Catastrophe Loss Experience
  • Claims analysis
  • Interpersonal and written communication
  • Policy interpretation
  • Data interpretation
  • Dispute tracking
  • Accounting spreadsheets
  • Team leadership

Certification

  • Florida: Resident Insurance License, 620 Adjuster – All Lines, License Number: P112974.
  • Louisiana: Non-Resident Adjuster: 446940.
  • Texas: Non-Resident Adjuster: 1518254.

Timeline

Property Claims Analyst

Next Era Claims
01.2025 - 07.2025

Litigation Complex Unit Senior Adjuster

Florida Peninsula Insurance Company/Edison Insurance Company
03.2023 - 07.2024

Litigation Examiner

United Property and Casualty Insurance Company
08.2022 - 01.2023

Litigation Examiner

Heritage Insurance
05.2021 - 07.2022

Large Loss Litigation Specialist

Citizens Property Insurance Company
09.2018 - 11.2020

Senior Catastrophe Claims Pre-Litigation / Litigation Adjuster (Contract)

American Integrity Insurance
09.2017 - 06.2018

Senior Claims Adjuster II

Bankers Insurance Group (Bintech Partners)
06.2016 - 09.2017

Property Claims Field Supervisor

Professional Claims Representatives
11.2015 - 06.2016

Property Claims Adjuster

American Claims Management
07.2014 - 10.2015

Property/Flood Claims Examiner

United Property & Casualty Insurance Co.
06.2013 - 06.2014

Flood Claims Examiner

Fidelity National Property and Casualty Insurance Group / Questpro Consultants
11.2012 - 03.2013

Automobile/Property Claims Examiner

USAA (United Services Automobile Association)
07.2007 - 03.2012

Bachelor of Information Technology -

University of Phoenix
Janice Walker