Matthew Kermish
Insurance
Palm Bay,USA
Summary
A Senior-Level Property Claims Professional with Mediation, Appraisal, Daily, and Catastrophe claims experience. Proficient with Xactimate and Xactanalysis software. Claims management software experience with Guidewire, Click Claims, Spin, and FileTrac.
Extensive claims knowledgeable with a solid background in assessing, and managing claims. Proven track record in accurately evaluating damages, and negotiating thousands of settlements through the claims process, and alternative dispute resolution methods (appraisal and mediation). Demonstrated expertise in customer communication and problem-solving skills.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Field Adjuster, Appraiser, Loss Consultant
Independent Adjusting Firm’s
09.2017 - Current
- Investigate residential, condominium, condominium association, and commercial property claims with losses ranging to policy limits.
- Perform onsite property damage inspections, including documenting any/all damages being reported by the Insured.
- Collect any/all pertinent claim related documents provided by the Insured like invoices/receipts and upload/provide all documents collected to the carrier for review/coverage determination.
- Examine claim forms, endorsements, and pertinent records to determine insurance coverage.
- Prepare claim reports, recommend coverage, and report suspicious claims to carrier.
- Perform re-inspections, supplement file review, and negotiating settlements with Contractor/PA/Atty.
- Attend mediations on behalf of the carrier to negotiate in an attempt to settle pre litigation.
Field Adjuster
Florida Peninsula Claim Services
01.2017 - 01.2023
- Investigate residential property claims with losses ranging to policy limits.
- Perform onsite property damage inspections, including documenting any/all damages being reported by the Insured.
- Collect any/all pertinent claim related documents provided by the Insured like invoices/receipts and upload/provide all documents collected to the carrier for review/coverage determination.
- Examine claim forms, endorsements, and pertinent records to determine insurance coverage.
- Prepare and submit reports of findings and advise settlement with claimant.
- Conduct in person recorded statements.
- Recommend any denial letters and report suspicious claims to the S.I.U. department.
- Perform re-inspections as requested.
- Supplement file review, and negotiating settlements with Contractor/PA/Atty.
- Attend mediations on behalf of the carrier to negotiate in an attempt to settle pre litigation.
Sr. Property Claims Adjuster - Staff Adjuster
American Strategic Insurance
06.2016 - 09.2017
- Investigate and successfully handle/inspect residential property damage claims with losses ranging to policy limits against insurance for property damages.
- Examine claim forms and other records to determine insurance coverage.
- Inspect property damage to determine the extent of company liability, utilizing varying methods of investigation according to the type of loss and insurance coverage.
- Prepare loss reports of findings based on physical inspection.
- Perform inside file review of independent contractor, independent adjuster, and water mitigation contractor estimates for accuracy.
- Conduct claim/estimate re-inspection for analysis of results.
- Provide training and mentoring for new hires.
- Dedicated to meeting the expectations and requirements of customers and company.
- Make decisions in an informed, confident and timely manner.
- Maintain constructive working relationships despite differing perspectives.
- Strong organizational and time management skills.
- Ability to negotiate skillfully in difficult situations with both internal and external groups.
- Demonstrate ability to win concessions without damaging relationships.
- Demonstrate strong written and verbal communication skills. Promote and facilitate free and open communication.
- Thinks critically and anticipates, recognizes, identifies and develops solutions to problems in a timely manner.
- Easily adapts to new or different changing situations, requirements or priorities.
- Cultivate an environment of teamwork and collaboration.
Sr. Catastrophe Adjuster – Staff Adjuster
The Hanover Insurance Group, Inc.
02.2011 - 04.2016
- Investigate and successfully handle/inspect residential/commercial claims with losses ranging to policy limits against insurance for personal, property loss and damages.
- Examine claim forms and other records to determine insurance coverage.
- Inspect property damage to determine the extent of company liability, utilizing varying methods of investigation according to the type of insurance.
- Prepare loss reports of findings.
- Perform inside file review for accuracy.
- Conduct claim/estimate re-inspection for analysis of results.
- Perform ride-a-long for new hires to provide training and mentoring, report strength and weakness performance back to management.
- Dedicated to meeting the expectations and requirements of customers and company.
- Make decisions in an informed, confident and timely manner.
- Maintain constructive working relationships despite differing perspectives.
- Strong organizational and time management skills.
- Ability to negotiate skillfully in difficult situations with both internal and external groups.
- Demonstrate ability to win concessions without damaging relationships.
- Demonstrate strong written and verbal communication skills. Promote and facilitate free and open communication.
- Thinks critically and anticipates, recognizes, identifies and develops solutions to problems in a timely manner.
- Easily adapts to new or different changing situations, requirements or priorities.
- Cultivate an environment of teamwork and collaboration.
Appraiser - Loss Consultant
Justice Claim Services
01.2009 - 01.2011
- Investigate, assess, and negotiate residential and commercial property losses through the appraisal process.
- Examine/review claim forms and pertinent claim documents.
- Inspect property damage to determine the extent of a company’s liability. Using varying methods of investigation in accordance to the type of insurance.
- Research and investigate historical data versus reported damages.
- Prepare and submit reports of findings.
Catastrophe Claims Adjuster
Pilot Catastrophe Services
01.2005 - 2008
- Investigate catastrophe claims with losses ranging to policy limits against insurance for personal, property loss and damages.
- Examine claim forms and other records to determine insurance coverage. Interview, telephone, and correspond with claimants and witnesses.
- Inspect property damage to determine the extent of the company liability.
- Prepare reports of findings and negotiate settlement with claimant.
- Recommend any denial letters and report suspicious claims to the S.I.U. department.
- Perform desk adjusting and file review of claims.
Roofing Estimator/Sales
National Roofing, Melbourne, FL
01.2004 - 01.2005
- Perform roofing inspection to evaluate damages.
- Assess roofing materials, measure, calculate, and estimate costs of roof replacement for commercial and residential customers.
- Project management, based on knowledge of production, and delivery schedules.
- Quote prices and credit terms and prepare sales contracts for orders obtained.
Education
Bachelor Degree - Business/Finance
High School Graduate - undefined
Skills
- Liability analysis
- Insurance policy knowledge
- Attention to detail
- Adaptability and flexibility
- Negotiation and mediation
- Estimating software
- Construction
- Claims investigation
- Insurance regulations
Accomplishments
- Successfully handled thousands of residential, condominium, condominium association, and commercial property claims up to policy limits in damages.
- Received highest adjuster ranking for Hanover Insurance Catastrophe team for 2014.
- Promoted to Sr. Catastrophe Adjuster in 2015.
- Received most accurate claim estimating for any property adjuster companywide within The Hanover Insurance Company.
- Received numerous “Excellence in Customer Service” awards as a field adjuster with FPCS.
Certification
- A.C.A. Certificate (Accredited Claims Adjuster)
- Xactimate
- Florida Supreme Court Certified County Mediator
Timeline
Field Adjuster, Appraiser, Loss Consultant
Independent Adjusting Firm’s
09.2017 - Current
Field Adjuster
Florida Peninsula Claim Services
01.2017 - 01.2023
Sr. Property Claims Adjuster - Staff Adjuster
American Strategic Insurance
06.2016 - 09.2017
Sr. Catastrophe Adjuster – Staff Adjuster
The Hanover Insurance Group, Inc.
02.2011 - 04.2016
Appraiser - Loss Consultant
Justice Claim Services
01.2009 - 01.2011
Catastrophe Claims Adjuster
Pilot Catastrophe Services
01.2005 - 2008
Roofing Estimator/Sales
National Roofing, Melbourne, FL
01.2004 - 01.2005
High School Graduate - undefined
Bachelor Degree - Business/Finance
Licensing
Resident: Florida
License Number: P005076
Independent Adjuster - All Lines
Date Issued: 09/02/2005