Hi, I’m
Karen Minnick
CAT Claims Examiner
Milledgeville,GA
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Summary
I have over 27 years of experience in the insurance industry with 8 years handling Florida home owners and liability claims, including complex and daily claims processing, negotiation, mediation, and appraisal. I hold multiple licenses and certifications in property and casualty. Florida Certified Claims Adjuster (CCA). Adjusters License all-lines in FL, TX,LA, GA ,NC, SC, AR, IN, KY, MI, MS, NM, AZ, AL
Dedicated supervisor with a strong background in quality investigation, adjustment, and supervision of diverse cases. Combining strategic planning and leadership strengths, consistently establishing top-performing claims departments. Expertise lies in training and mentoring staff to optimize compliance with policies, procedures, and applicable laws. Organized and dependable, excels at managing multiple priorities with a positive attitude. Always willing to take on added responsibilities to meet team goals, known for detail-oriented nature and strong organizational skills, making a valuable team player. Ability to handle multiple projects simultaneously and achieve a high degree of accuracy ensures efficient and effective operations.
Overview
27
years of professional experience
2
Certificate
Work History
CCMS and Associate's
QA Specialist- Remote
11.2024 - 04.2025
Job overview
- Increased overall testing accuracy by creating detailed test scripts based on functional and technical requirements documentation.
- Mitigated potential risks associated with software releases by conducting risk assessments and prioritizing critical test scenarios accordingly.
- Ensured compliance with industry standards and regulations through diligent adherence to established QA procedures and guidelines.
- Assisted in root cause analysis investigations, leading to more efficient problem-solving techniques within the team.
Bluegrass Management Group
CAT Adjuster- Remote
03.2024 - 11.2024
Job overview
- Maintained strong relationships with policyholders, agents, and colleagues by consistently demonstrating professionalism, empathy, and effective communication skills.
- Ensured compliance with state regulations and company policies through diligent review of all claim-related materials.
- Assisted clients in understanding their insurance coverage by explaining complex terms and conditions clearly and concisely.
- Improved claim processing efficiency by conducting thorough investigations and promptly addressing discrepancies.
CCMS & Associates
Complex Claims Supervisor
09.2022 - 10.2023
Job overview
- Applied strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows.
- Carried out day-to-day duties accurately and efficiently.
- Resolved problems, improved operations and provided exceptional service.
- Investigated, evaluated and adjusted multi-line claims in accordance with standards and laws.
- Monitored team performance, enforcing compliance with corporate claims processes and procedures.
- Negotiated disputed bills or invoices totaling up to $30,000.00, achieving successful resolution.
- Determined proper course of action for claims processing
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance
- Documented and communicated timely claims information while supporting accurate outcomes
MD Claims Group
Independent Adjuster
06.2022 - 08.2022
Job overview
- Obtained LCPIC Certification
- Review and compare estimate for coverage decision
- Verify coverage under policy language
- Adjust estimates as needed through Xactimate and Xactanalysis
- Review supplement estimates for coverage
- Assess damage to property through photos, reports and estimates.
- Finalized claim files for release of payment
- Reviewed and analyzed suspicious and potentially fraudulent insurance claims
- Review and update file for pending action
- Set reveres according to estimate
- Handled complaints and grievances using negotiating and problem-solving skills.
- Affirmed or denied coverage of claims based on facts and policy terms and conditions, developing information necessary to make advance, partial and final payments when appropriate.
- Conducted prompt, thorough and fair investigation by obtaining relevant facts to determine coverage, origin and extent of loss.
- Negotiated settlement of claims of varying complexity and peril, achieving prompt, fair and equitable settlement of claim in cases of policy liability.
- Reviewed and utilized financial statements to adjust moderately-sized business interruption losses subject to claims and potential payouts.
- Kept electronic claim files properly documented with accurate, clear and timely information and reports reflecting adjustment activities and substantiating any payments made.
Fountain Group Adjusters
Independent Adjuster
04.2022 - 06.2022
Job overview
- Negotiated settlement of claims of varying complexity and peril, achieving prompt, fair and equitable settlement of claim in cases of policy liability.
- Kept electronic claim files properly documented with accurate, clear and timely information and reports reflecting adjustment activities and substantiating any payments made.
- Conducted prompt, thorough and fair investigation by obtaining relevant facts to determine coverage, origin and extent of loss.
- Examined claims forms and other records to determine insurance coverage.
- Worked with LIGA for closure of claims.
- Affirmed or denied coverage of claims based on facts and policy terms and conditions, developing information necessary to make advance, partial and final payments when appropriate.
Pharos Claims Services
CAT Claims Examiner
05.2021 - 04.2022
Job overview
- Advanced from daily claims to disputed CAT claims.
- Negotiate and adjust claims with Attorney's and public adjusters to settle complex claims.
- Invoke appraisal when needed.
- Attend mediation and depositions
- Review and compare estimate for coverage decision
- Verify coverage under policy language
- Adjust estimates as needed through Xactimate and Xactanalysis
- Review supplement estimates for coverage
- Assess damage to property through photos, reports and estimates.
- Finalized claim files for release of payment
- Reviewed and analyzed suspicious and potentially fraudulent insurance claims
- Review and update file for pending action
- Set reveres according to estimate
- Handled complaints and grievances using negotiating and problem-solving skills.
- Examined photographs and statements.
Security First Insurance
Claims Examiner
03.2016 - 05.2021
Job overview
- Sales and Underwriting team - reviewed policies for renewal and quoted new business. March 2016-August 2017
- August 2017 closed claims department - requested proof of repairs for renewal
- October 2017 was promoted to claims examiner for theft, water and small fires. Transitioned to weather team for wind/storm damage to roofs.
- Made all first initial contacts within 24 hour
- Was on "A" travel team for both Hurricane Matthew and Irma to keep in Communication with insured during storms.
- Review supplemental estimate for any additional coverage's
- Interviewed claimants to gather factual information. Conducted day-to-day administrative tasks to maintain information files and process paperwork
- Order inspections, water mitigation's, leak detection's for FNOL's
- Examined photographs and statements.
- Handled complaints and grievances using negotiating and problem-solving skills.
Brown and Brown
Personal LInes Relationship Manager
08.2013 - 03.2016
Job overview
- Help solve problems with client accounts, back up for department manager while out of office, assist with claims, multi tasked, front line underwriting and re-underwriting
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction
- Participated in staff meetings to discuss innovative strategies to improve services
Franklin Insurance Agency - Personal Lines CSR
Insurance Agent
12.1998 - 08.2013
Job overview
- Sales/Service with clients, reviewed policies, endorsed policies, took claims
- Wrote home/auto/flood/life/umbrella policies
- Built relationships with clients using active listening and issue resolution to provide excellent service
- Cross-sold insurance products to existing clients to reach sales targets
- Obtained underwriting approval by completing application for coverage
Education
Franklin Jr Sr. High School Franklin PA
High School Diploma
06.1979
Skills
- 35 years in customers service
- 620 Insurance license since 2017
- Claims knowledge- Daily and CAT
- Negotiate with Attorney's and Public Adjusters for settlement
- Presents professionalism in all aspects
- Compassionate, caring and reliable
- Great communication skills, both written and oral
- Well Organized
- Work within Xactimate program
- Review and compare estimates
- Very detailed
- Thorough claims reviews
- High exposure claims experience
- Complex problems analysis
- Solving complex problems
Affiliations
● Very involved in the local Theater. Stage Manager for 7 different shows with a cast from 5 to 20 at the Flagler and Daytona Playhouse. Managed all aspects of the show, schedules, costumes, music, lights and work closely with the director, cast and crew, to make sure the show was ready for opening night.
● VP board member for Homeowners Association
● Play Reading Committee for Daytona Playhouse
● Enjoy Ballroom Dancing and boxing
Certification
- IICRC-WRT- renews August 2022
- PTC 1- no expiration date.
- LCPIC good through 7/2024
- Completed MOCAT Claims Training
- Johns Hopkins Whiting School of Engineering Online 01/2024 Certificate: Principles of Management
- AE21 Online • 06/2024Certificate: Florida Certified Claims Adjuster
Additional Information
Classes and books that have been read and attended to help with my complex claims position.
- Business Writing for Results - Fred Pryor online
- Sewer and Plumbing Failure Analysis
- Never Spit the Difference: Negotiations As if you Life Depended on it – Author Chris Voss
- Origin Stories Electric + Fire
- Solar Powered Subrogation
- CONSTRUCTION DEFECT CLAIMS
- Product Failure Trends: Faucets
- Roofing Reparability
- Residential roof construction and damage
- Product Failure Trends; Forensic testing 101
- SDII Construction Defects
- Interpersonal skills to build Relationships
- BACK THAT DRAIN UP
- Mandatory FL SIU Training
- HVACI Webinar
- Troubled Water : Residential Water Intrusion
- Fabric Restoration and Claim Costs
- Fire Investigation purpose Webinar
- Appraisal: An Alternative Modern Approach to Resolving first Party Claims
- Investigation Residential electrical System
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
QA Specialist- Remote
CCMS and Associate's
11.2024 - 04.2025
CAT Adjuster- Remote
Bluegrass Management Group
03.2024 - 11.2024
Complex Claims Supervisor
CCMS & Associates
09.2022 - 10.2023
Independent Adjuster
MD Claims Group
06.2022 - 08.2022
Independent Adjuster
Fountain Group Adjusters
04.2022 - 06.2022
CAT Claims Examiner
Pharos Claims Services
05.2021 - 04.2022
Claims Examiner
Security First Insurance
03.2016 - 05.2021
Personal LInes Relationship Manager
Brown and Brown
08.2013 - 03.2016
Insurance Agent
Franklin Insurance Agency - Personal Lines CSR
12.1998 - 08.2013
Franklin Jr Sr. High School
High School Diploma
Reference
David Ballard - Franklin Insurance Agency Principal - 814-758-7982
Mary McDaniel - Unit Manager CCMS and Associates
Tammy Dukes 972-201-4320
Work Preference
Work Type
Full TimeWork Location
RemoteImportant To Me
Company CultureFlexible work hoursWork-life balance4-day work weekWork from home optionSimilar Profiles
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