Krystal N. Bourbon
Insurance, Risk Management
Debary,FL
Summary
Detail-oriented Claims Adjuster with extensive experience in client service and claims management across various sectors, including property, casualty, and commercial auto claims. Proven ability to interact with all levels of management, operate in fast-paced environments, and deliver exceptional on-site and remote client support. Committed to fostering company growth through effective communication and a swift learning capability.
Overview
13
13
years of professional experience
Work History
Claims Adjuster
Carolina Casualty, A W.R. Berkley Group
07.2021 - Current
- Manage commercial and trucking claims from first notice of loss to resolution, specializing in high-complexity cases involving multi-vehicle accidents. Assess coverage, investigate liability, negotiate settlements, and manage vendor relationships (cleanup remediation, appraisers, independent adjusters). Identify subrogation opportunities and control file expenses, proactively addressing potential fraud in collaboration with SIU. Liaise effectively with: brokers, agents, insureds, underwriting and actuarial departments to ensure comprehensive claims management.
- Examined claims forms and other records to determine insurance coverage.
- Answered customer questions regarding deductibles.
- Prepared summaries of damage, payments, and policy coverage.
- Reviewed police reports, and physical property damage to determine extent of liability.
- Negotiated with policyholders and claimants to reach mutually satisfactory resolutions.
- Conducted comprehensive interviews of witnesses and claimants to gather facts and information.
- Achieved high customer satisfaction ratings by providing clear and timely communication throughout the claims process.
- Provided exceptional customer service, addressing concerns, and answering questions promptly.
Adjuster Property & Casualty Claims II
Sedgwick Claims Management Services
09.2018 - 07.2019
- Handled low- to medium-exposure first and third-party automobile and property damage claims, leveraging extensive knowledge of premises and product liability. Conducted thorough investigations and developed strategic plans based on contractual obligations and professional standards to identify coverage and liability issues. Additionally, managed arbitration cases and subrogation negotiations, ensuring adherence to high analysis standards throughout the claims process.
- Specialty Claims (P&C) Assisted in monitoring new loss correspondence for claim assignments and conducted thorough reviews of adjuster report submissions, addressing both technical and non-technical issues. Utilized strong grammatical skills to ensure reports met client requirements for accuracy and clarity regarding account handling instructions. Applied comprehensive knowledge of insurance concepts to analyze work products and coverage analysis. Trained new associates while mastering multiple claims systems, assigned appraisers, and ordered pending reserves. Managed invoice creation and payments in accordance with client billing guidelines, as well as triaged and assigned diary tasks for new losses. Provided claims support as directed by leadership and completed special projects, continuously seeking innovative methods to enhance claim assignment and reporting processes through technology.
Client Support Specialist I
Aon PLC, Aon Risk Solutions
06.2014 - 03.2017
- Communicated and analyzed data in Excel for carriers and clients, including managing policy renewals. Handled the processing of all incoming correspondence, such as insured copies, policy declaration pages, endorsements, certificates of insurance, and state-specific workers' compensation forms, ensuring thorough and accurate documentation for client needs.
Benefits & Payroll Specialist
ADP Total Source, Inc.
10.2013 - 06.2014
- Utilized various forms of correspondence to address inquiries related to benefits, COBRA, payroll, and open enrollment, as well as updates and changes to current benefit plans. Educated employees on FIT, W-2 tax forms, Medicare, and Social Security tax calculations, while maintaining compliance with service level agreements (SLAs).
Benefits & Payroll Specialist
XEROX Corporation, HR Solutions Inc.
09.2012 - 09.2013
- Managed incoming calls from employees and former employees regarding benefits, payroll, and learning center inquiries. Assisted with flexible spending accounts (FSA) and escalation lines, ensuring timely follow-up on outstanding issues while providing status updates on ongoing research. Collaborated with technical analysts to identify and address potential or recurring problems. Communicated the conceptual elements of benefits clearly and ensured compliance with HIPAA and HR regulations. Demonstrated flexibility to support peak volume events throughout the year.
Education
High School Diploma - General Academics
01.2006
Skills
Claims investigation
Empathy and patience
Customer service
Problem-solving
Critical thinking
Claims processing
Caseload management
Verbal and written communication
Active listening
Multitasking and organization
Team collaboration
Attention to detail
Innovation and creativity
Legal compliance
Workflow management
Damage assessment
Report writing
Advanced computer skills
Settlement negotiation
Data analysis
Risk assessment
Conflict resolution
Automobile claims specialist
Policy interpretation
Policy investigations
Ethical judgment
Coverage assessments
Claim Closure and Work Culture Awards
Currently studying for AIC Designation.
Timeline
Claims Adjuster
Carolina Casualty, A W.R. Berkley Group
07.2021 - Current
Adjuster Property & Casualty Claims II
Sedgwick Claims Management Services
09.2018 - 07.2019
Client Support Specialist I
Aon PLC, Aon Risk Solutions
06.2014 - 03.2017
Benefits & Payroll Specialist
ADP Total Source, Inc.
10.2013 - 06.2014
Benefits & Payroll Specialist
XEROX Corporation, HR Solutions Inc.
09.2012 - 09.2013