KRISTIN DENMARK
Fort Worth
Summary
Experienced Commercial BI Adjuster with expertise in complex auto liability claims, high-severity injuries, and litigation management. Skilled in policy analysis, negotiation, and multi-jurisdictional compliance.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Claims Manager
Agworkers Insurance
Fort Worth
12.2023 - Current
- Managed claims processing and ensured compliance with industry regulations.
- Oversaw team training and development to enhance claims handling skills.
- Reviewed complex claims to determine validity and appropriate resolution.
- Implemented process improvements to streamline claims workflows and reduce delays.
- Coordinated communication between clients, adjusters, and legal representatives.
- Resolved escalated customer issues by providing effective solutions in a timely manner.
- Created processes for tracking open cases, monitoring progress towards resolution goals.
- Prepared detailed reports on claim status and activities for management review.
- Monitored the performance of adjusters to ensure accuracy, timeliness and compliance with departmental standards.
- Conducted regular audits of the department's performance metrics to ensure accuracy.
- Oversaw onboarding processes for new team members, delivering training on claims handling.
- Reviewed and approved complex claim settlements, making sure they were within policy guidelines.
Commercial Bodily Injury Adjuster
Westlake Specialty Insurance
Westlake
06.2020 - 12.2023
- Handled complex commercial BI claims, including catastrophic injuries and fatalities.
- Managed high-value caseloads with reserves exceeding $250K.
- Conducted liability and coverage analysis using policy terms and investigations.
- Partnered with attorneys and experts to develop litigation strategies.
- Negotiated settlements with claimants and legal representatives.
- Ensured multi-state compliance with legal and regulatory guidelines.
- Attended mediations and arbitrations to resolve disputed claims.
- Maintained strong communication with policyholders and stakeholders.
- Mentored junior adjusters on BI evaluations and best practices.
Bodily Injury Adjuster
BRIDGER INSURANCE
Addison
01.2017 - 05.2020
- Handled complex auto bodily injury claims, including soft tissue, fractures, surgeries, and fatalities.
- Assessed liability and comparative negligence in multi-vehicle accidents using police reports, statements, and scene evidence.
- Reviewed medical records, treatment plans, and IMEs to evaluate injury severity and claim value.
- Negotiated settlements directly with injured parties, attorneys, and medical providers.
- Collaborated with defense counsel on litigated claims and participated in mediations and arbitrations.
- Maintained accurate reserves and updated files in accordance with claim developments and jurisdictional requirements.
- Ensured compliance with state-specific auto claim regulations and timeframes.
- Utilized systems like Guidewire, CCC, and ISO ClaimSearch for documentation, evaluation, and fraud detection.
- Delivered clear, empathetic communication to policyholders and claimants throughout the claim process.
Workers' Compensation Claims Adjuster
MARTIN BEAN
Allen
04.2015 - 01.2017
- Coordinated communication between various parties involved in claims. Determining the liability, compensability, and benefits due for each claim through detailed analysis.
- Implementing strategies to reduce loss ratios, and advising employers on compliance and risk minimization. Providing timely responses to inquiries, and preparing reports on claims findings and financial distributions, evaluating legal aspects of claims, negotiating settlements, and preparing documentation for potential court proceedings.
Total Loss Adjuster
1ST SOURCE ADJUSTER SCHOOL
Houston
02.2015 - 02.2015
- Determining liability in motor vehicle accidents, working with legal counsel to determine insurance coverage, and analyzing damages, negotiating settlements, determining salvage value, and analyzing claims with underwriters and insurance agents.
- Interpret policy language, conduct assessments, advise clients on best practices for minimizing financial losses due to total losses.
Education
Bachelor of Administrative Studies -
NEUMANN UNIVERSITY
Aston Mills, PASkills
- Complex Bodily Injury Claim Handling
- Auto Liability & Comparative Negligence Analysis
- Litigation & Settlement Negotiation
- Medical Record Review & Injury Evaluation
- Reserve Setting & Financial Accuracy
- Policy Interpretation & Coverage Analysis
- Claim Investigation & Statement Taking
- Mediation & Arbitration Participation
- Multi-Jurisdictional Claim Compliance
- Fraud Detection & SIU Referral
- Attorney & Vendor Collaboration
- Claims Management Systems
- Strong Written & Verbal Communication
- Customer Service & Conflict Resolution
- Time Management & Independent Decision-Making
- Mentorship & Training of Junior Adjusters
- ISO ClaimSearch & Medical Billing Familiarity
- Knowledge of State Insurance Regulations
- Negotiation with Attorneys and Medical Providers
Certification
- NFIP certification
- Xactimate Level 1 - 2 certified
- Workers Compensation Professional (WCP)
Timeline
Claims Manager
Agworkers Insurance
12.2023 - Current
Commercial Bodily Injury Adjuster
Westlake Specialty Insurance
06.2020 - 12.2023
Bodily Injury Adjuster
BRIDGER INSURANCE
01.2017 - 05.2020
Workers' Compensation Claims Adjuster
MARTIN BEAN
04.2015 - 01.2017
Total Loss Adjuster
1ST SOURCE ADJUSTER SCHOOL
02.2015 - 02.2015
Bachelor of Administrative Studies -
NEUMANN UNIVERSITY