Michael Lowe
Ocoee,FL
Summary
Claims professional who values precision and efficiency in claims evaluation and resolution. Proven track record of managing high caseloads and settling claims accurately in compliance with company standards. Known for strong collaboration with team members and adaptability to changing needs, ensuring reliable performance and positive results.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Claims Adjuster
Florida Farm Bureau
11.2022 - Current
- Attorney represented auto bodily injury and premises injury claims adjuster. Full file ownership from initial report and investigation to litigat. Handles coverage, liability and reserving for files. I have handled complex loss files including multiple competing claims and fatalities.
- Developed training materials for new staff, enhancing onboarding experience and operational efficiency.
Scheduler and Referral Coordinator
Advent Health Center for Gastroenterology and Hepatology
05.2022 - 11.2022
- Assist patients with check-in, Coordinate scheduling and Referrals/Authorization for patients. Work with clinical staff to identify patients with emergent medical conditions and prioritize scheduling and procedures. Review referrals and authorizations to ensure patient diagnosis are relevant and correct to ensure payors will be satisfied to provide coverage for visits and procedures. Provide high level customer service and compassion for patients seeking treatment.
- Trained new staff on front office protocols, fostering a collaborative work environment.
Total Loss Claims Adjuster- Contract Hire
Liberty Mutual Insurance
10.2021 - 03.2022
- Liability claims adjuster specializing in complex liability involving total loss vehicles. Actively maintain and monitor 90+ claim files with multiple vendors and parties involved. High call volume contact to schedule statements inspections and services for 1st and 3rd party insurance claims. Required extensive automotive knowledge including both mechanical and auto body repair processes along with timelines to complete needed work.
Independent Property Adjuster
03.2018 - 12.2020
- Handled home property claims including catastrophe, water damage claims and roof claims. Assisted homeowners with mitigation efforts. Writing estimates using Xactimate and working with desk adjusters to settle claims with public adjusters.
Sr. Claims Adjuster-Fire Theft and Vandalism
Bristol West Insurance
12.2018 - 11.2020
- Auto claims adjuster responsible for taking statements reviewing police reports, damage photos to make liability decisions related to auto accidents. Handled fire theft and vandalism claims along with suspicious comp claims. Settled and trained fellow adjusters in resolving 1st and 3rd party diminished value claims. Conducted file reviews for claims identifying potential fraud or subrogation. Handled 1st and 3rd party bodily injury claims settled both general special costs. Directly trained and mentored new hires for multistate claim handling.
Summer Claims Intern
The Hartford Insurance Group
06.2016 - 08.2016
- Rotated through multiple lines of business (Group benefits, Auto and Property, Workers Comp, & Commercial Underwriting) learning day to day operations of both adjusters, and leadership. Shadowed in-house adjusters daily and accompanied outside property adjusters on claims learned proper procedures for call outs and process for beginning through completion of claims. Improved in house interaction of leadership with review of policies aimed at improving the performance of leadership techniques.
Education
Bachelor of Science - Health Services Administration
University of Central Florida
Orlando, FL, USAAssociate of Arts - Undergraduate
Santa Fe College
Gainesville, FL, USASkills
- Negotiation, settlement, customer service, mentorship and leadership, problem solving and time management
- Critical thinking
- Claims investigation
- Active listening
- Highly motivated
- Policy interpretation
- Casualty and property loss
Certification
- 620 All-lines Florida Adjusters License
- Verisk- Xactimate Level 2
Timeline
Claims Adjuster
Florida Farm Bureau
11.2022 - Current
Scheduler and Referral Coordinator
Advent Health Center for Gastroenterology and Hepatology
05.2022 - 11.2022
Total Loss Claims Adjuster- Contract Hire
Liberty Mutual Insurance
10.2021 - 03.2022
Sr. Claims Adjuster-Fire Theft and Vandalism
Bristol West Insurance
12.2018 - 11.2020
Independent Property Adjuster
03.2018 - 12.2020
Summer Claims Intern
The Hartford Insurance Group
06.2016 - 08.2016
Associate of Arts - Undergraduate
Santa Fe College
Bachelor of Science - Health Services Administration
University of Central Florida