Michael Taylor
Spring,TX
Summary
Specializing in damage assessment and client advocacy, I excel in team environments, driving service excellence and effective communication. Adaptable Property Claims Adjuster with proficiency. Versatile and friendly to keep calm and collected in stressful circumstances. Adept at scoping and photographing properties for defects, preparing comprehensive reports, and coordinating field investigations. Exceptionally organized with outstanding communication abilities. Seasoned Property Claims Adjuster known for high productivity and efficient task completion. Skilled in damage assessment, claims negotiation, and policy interpretation. Excel at communication, problem-solving, and critical thinking, ensuring smooth claim resolution processes. Committed to delivering timely and fair outcomes for all parties involved.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Claims Adjuster
Legion Claims
Baton Rouge, LA
05.2024 - 09.2024
- Investigated insurance claims, reviewed coverage and liability, prepared reports and recommended payment or denial of claims.
- Researched relevant laws, regulations, legal decisions and precedents to determine appropriate course of action.
- Negotiated settlements with claimants or their representatives in order to resolve disputes quickly and economically.
- Analyzed facts of loss including photographs, diagrams and other evidence to identify potential sources of recovery.
- Assisted colleagues with difficult cases; provided guidance regarding complex issues or scenarios.
- Adhered strictly to departmental guidelines; ensured that all activities were compliant with applicable state laws.
Claims Adjuster
Mid America
12.2023 - 05.2024
- Discussed current cases and issues in claim committee meetings.
- Conducted secondary evaluations of original investigations documentation and reports to facilitate smooth resolutions.
- Investigated properties, classified damages and created estimates outlining repair costs.
- Coordinated emergency repair, cleaning companies and contractors to optimize customer claim handling.
- Contacted banks to acquire credit information.
- Traveled to customer sites to evaluate fallen trees, leaking roofs and other issues to create accurate cost estimations.
- Coordinated with law enforcement and other agencies as needed for claims investigation.
- Collaborated with underwriting teams to provide insights on risk assessment and policy adjustments.
Claims Examiner
Global risk solutions
Tampa, FL
08.2023 - 11.2023
- Company Overview: Heritage Property Insurance
- Acquires knowledge of current automation technology on legal applications like coding and document imaging, optical character recognition, database management and design, specific litigation support computer software and multimedia presentation software
- Provides technical support in courtroom trials with the operation of software, databases and transcripts, accessing necessary documents and other forms of electronic exhibit items and other supporting litigating staff when required
- Troubleshoots technical difficulties and resolves current issues during mediations, hearings, trials, arbitrations and related proceedings
- Heritage Property Insurance
Claims Examiner
FIGA
01.2023 - 08.2023
- Company Overview: Florida Insurance Guaranty Association
- Acquires knowledge of current automation technology on legal applications like coding and document imaging, optical character recognition, database management and design, specific litigation support computer software and multimedia presentation software
- Provides technical support in courtroom trials with the operation of software, databases and transcripts, accessing necessary documents and other forms of electronic exhibit items and other supporting litigating staff when required
- Troubleshoots technical difficulties and resolves current issues during mediations, hearings, trials, arbitrations and related proceedings
- Florida Insurance Guaranty Association
Claims Adjuster
Questpro
Nashville, TN
01.2022 - 12.2022
- Company Overview: Progressive
- Responsible for managing the investigative, negotiation and claim resolution process for liability claims involving property damage with insured motorists
- Responsible for initiating claims and coverage investigations, negotiations and settlements and the payment of resolved claims consistent with company policies and state regulations
- Review Auto policies, Auto claim forms and other records to verify and determine insurance coverage eligibility under State Laws
- Conduct and manage the investigative process, ongoing communication with customer and relevant external parties and maintain appropriate and timely recordkeeping files on all claims
- Keep work and investigative files current and manage the accurate recording of all information required for the successfully resolution of claims investigations
- Progressive
Property Specialist
Sedgwick
11.2021 - 12.2021
- Company Overview: Remote
- Investigates claim damages and situation using internal and external resources
- Investigation steps include speaking with the insured or other involved parties such as contractors, requesting and receiving a field investigation report, research on past claim activity, research on external websites for CAT event confirmation, and engaging vendors for services, material supply and/or pricing
- Determines policy coverage through analyzing investigation data and policy terms, including whether claim will be approved or denied
- Notifies insured of coverage or any issues
- Establishes reserve levels at the beginning of handling a claim and adjusts as appropriate based on investigation findings
- Review supplements submitted per contractors adding appropriate line items that were left of on the original estimate of the field adjuster to achieve a fair market price to perform the repairs needed to restore the property to pre storm condition
- Remote
Mid America Catastrophe Complex Adjuster
Southern Fidelity
Mobile, AL
05.2021 - 11.2021
- Company Overview: Mobile, AL
- Assessed property damage estimates for homes damaged due to the past Hurricane seasons
- Reviewed estimates with PA in regards to settlement
- Mobile, AL
Water Litigation Specialist
Citizens of Florida
Jacksonville, FL
06.2019 - 10.2019
- Acquires knowledge of current automation technology on legal applications like coding and document imaging, optical character recognition, database management and design, specific litigation support computer software and multimedia presentation software
- Provides technical support in courtroom trials with the operation of software, databases and transcripts, accessing necessary documents and other forms of electronic exhibit items and other supporting litigating staff when required
- Troubleshoots technical difficulties and resolves current issues during mediations, hearings, trials, arbitrations and related proceedings
Desk Examiner/Property Adjuster
North Carolina Joint Underwriting Association (NCJUA)
Raleigh, NC
09.2018 - 02.2019
- Investigates claim damages and situation using internal and external resources
- Investigation steps include speaking with the insured or other involved parties such as contractors, requesting and receiving a field investigation report, research on past claim activity, research on external websites for CAT event confirmation, and engaging vendors for services, material supply and/or pricing
- Determines policy coverage through analyzing investigation data and policy terms, including whether claim will be approved or denied
- Notifies insured of coverage or any issues
- Establishes reserve levels at the beginning of handling a claim and adjusts as appropriate based on investigation findings
- Review supplements submitted per contractors adding appropriate line items that were left of on the original estimate of the field adjuster to achieve a fair market price to perform the repairs needed to restore the property to pre storm condition
Desk Examiner/Property Adjuster
Texas Windstorm Insurance Association (TWIA)
Austin, TX
08.2017 - 07.2018
- Investigates claim damages and situation using internal and external resources
- Investigation steps include speaking with the insured or other involved parties such as contractors, requesting and receiving a field investigation report, research on past claim activity, research on external websites for CAT event confirmation, and engaging vendors for services, material supply and/or pricing
- Determines policy coverage through analyzing investigation data and policy terms, including whether claim will be approved or denied
- Notifies insured of coverage or any issues
- Establishes reserve levels at the beginning of handling a claim and adjusts as appropriate based on investigation findings
- Review supplements submitted per contractors adding appropriate line items that were left of on the original estimate of the field adjuster to achieve a fair market price to perform the repairs needed to restore the property to pre storm condition
CRU Contract Property Adjuster
TD Insurance
Calgary, Canada
05.2016 - 08.2017
- Investigates claim damages and situation using internal and external resources
- Investigation steps include speaking with the insured or other involved parties such as contractors, requesting and receiving a field investigation report, research on past claim activity, research on external websites for CAT event confirmation, and engaging vendors for services, material supply and/or pricing
- Determines policy coverage through analyzing investigation data and policy terms, including whether claim will be approved or denied
- Notifies insured of coverage or any issues
- Establishes reserve levels at the beginning of handling a claim and adjusts as appropriate based on investigation findings
- Review supplements submitted per contractors adding appropriate line items that were left of on the original estimate of the field adjuster to achieve a fair market price to perform the repairs needed to restore the property to pre storm condition
CRU Contract Property Adjuster
TD Insurance
Calgary, Canada
08.2015 - 05.2016
- Investigates claim damages and situation using internal and external resources
- Investigation steps include speaking with the insured or other involved parties such as contractors, requesting and receiving a field investigation report, research on past claim activity, research on external websites for CAT event confirmation, and engaging vendors for services, material supply and/or pricing
- Determines policy coverage through analyzing investigation data and policy terms, including whether claim will be approved or denied
- Notifies insured of coverage or any issues
- Establishes reserve levels at the beginning of handling a claim and adjusts as appropriate based on investigation findings
- Review supplements submitted per contractors adding appropriate line items that were left of on the original estimate of the field adjuster to achieve a fair market price to perform the repairs needed to restore the property to pre storm condition
Claims Adjuster
Acceptance Insurance
Nashville, TN
03.2015 - 08.2015
- Responsible for managing the investigative, negotiation and claim resolution process for liability claims involving property damage with insured motorists
- Responsible for initiating claims and coverage investigations, negotiations and settlements and the payment of resolved claims consistent with company policies and state regulations
- Review Auto policies, Auto claim forms and other records to verify and determine insurance coverage eligibility under State Laws
- Conduct and manage the investigative process, ongoing communication with customer and relevant external parties and maintain appropriate and timely recordkeeping files on all claims
- Keep work and investigative files current and manage the accurate recording of all information required for the successfully resolution of claims investigations
Total Loss Adjuster
The General Insurance Company
Nashville, TN
01.2015 - 03.2015
- Responsible for managing the investigative, negotiation and claim resolution process for liability claims involving property damage with insured motorists
- Responsible for initiating claims and coverage investigations, negotiations and settlements and the payment of resolved claims consistent with company policies and state regulations
- Review Auto policies, Auto claim forms and other records to verify and determine insurance coverage eligibility under State Laws
- Conduct and manage the investigative process, ongoing communication with customer and relevant external parties and maintain appropriate and timely recordkeeping files on all claims
- Keep work and investigative files current and manage the accurate recording of all information required for the successfully resolution of claims investigations
- Coordinated all total loss claims with salvage to promptly dispose of vehicle to lessen salvage costs
- Negotiate settlements with insured/claimant in accordance with recommended guidelines and limits of authority
- Review vehicle evaluations and communicate car value to owners
Contract Assignment
Ebrels Claim Service State Farm
Frederick, MD
11.2013 - 10.2014
- Investigating and evaluating the facts of a claim, which could include inspecting and investigating physical property sites; speaking with customers, State Farm agents, attorneys, and service providers through the process of settling homeowner and other personal property claims
- Evaluating, negotiating, and settling claims within authority levels
- Working in a collaborative team environment to handle a large volume of claims, primarily over the telephone; communicating with customers and associates over the telephone, in person, and in written correspondence as well as maintaining the confidentiality of claim information
Field Adjuster/Appraiser
Catastrophe National Claims
11.2012 - 10.2013
- Investigating and evaluating the facts of a claim, which could include inspecting and investigating physical property sites; speaking with customers, State Farm agents, attorneys, and service providers through the process of settling homeowner and other personal property claims
- Evaluating, negotiating, and settling claims within authority levels
- Working in a collaborative team environment to handle a large volume of claims, primarily over the telephone; communicating with customers and associates over the telephone, in person, and in written correspondence
- Utilizes automated estimating systems to prepare repair estimates reflecting vehicle damage, identifies reparability issues that may result in a potential total loss claim and completes documentation on vehicle options, condition, mileage, and other factors
- Reviews estimates and affiliated work product of staff estimators, independent adjusters, and program repair facilities to effectively assess quality, competitiveness, compliance, process confirmation, and estimating expertise
Education
Bachelor of Arts - Construction Science Mgt
Tuskegee University
Bachelor of Science - Interd Studies Emergency Mgt
Jacksonville State University
Skills
- Service Excellence Representative
- Problem Solver
- Team Building
- Client Advocacy Specialist
- Time Management: Deadline
- Analytical Thinker
- Claims Auditor
- Effective Communication
- Materials Handler
- Complex Mathematics
- Policy Interpretation
- Damage Assessment
- Property Inspection
- Tech-Savvy
- Excellent people skills
Xactnet
theleonclaims10@yahoo.com
Certification
- TWIA
- State Farm Auto Certification
- All State Auto Certification
- American Family Auto Certification
- Property and Casualty Active Licensure
Military experience
United States Air Force Reserved, Keesler AFB, Civil Engineer, 02/01/07, 02/28/13, Assess damage and perform emergency repairs; advise commanders on emergency response and train personnel in a wide range of disaster preparedness.
Career Overview
Driven and dedicated Claims Adjuster trained in all aspects of insurance billing, claims, and collections. I possess high-level negotiation skills in resolving claims to satisfy all involved parties. I am an analytical thinker and innovative problem solver with an extensive occupational experience in the insurance billing profession.
Insurance Adjuster License
- Florida-W359891
- Texas-1834251
- AL-694807
- South Carolina-16818915
Timeline
Claims Adjuster
Legion Claims
05.2024 - 09.2024
Claims Adjuster
Mid America
12.2023 - 05.2024
Claims Examiner
Global risk solutions
08.2023 - 11.2023
Claims Examiner
FIGA
01.2023 - 08.2023
Claims Adjuster
Questpro
01.2022 - 12.2022
Property Specialist
Sedgwick
11.2021 - 12.2021
Mid America Catastrophe Complex Adjuster
Southern Fidelity
05.2021 - 11.2021
Water Litigation Specialist
Citizens of Florida
06.2019 - 10.2019
Desk Examiner/Property Adjuster
North Carolina Joint Underwriting Association (NCJUA)
09.2018 - 02.2019
Desk Examiner/Property Adjuster
Texas Windstorm Insurance Association (TWIA)
08.2017 - 07.2018
CRU Contract Property Adjuster
TD Insurance
05.2016 - 08.2017
CRU Contract Property Adjuster
TD Insurance
08.2015 - 05.2016
Claims Adjuster
Acceptance Insurance
03.2015 - 08.2015
Total Loss Adjuster
The General Insurance Company
01.2015 - 03.2015
Contract Assignment
Ebrels Claim Service State Farm
11.2013 - 10.2014
Field Adjuster/Appraiser
Catastrophe National Claims
11.2012 - 10.2013
Bachelor of Arts - Construction Science Mgt
Tuskegee University
Bachelor of Science - Interd Studies Emergency Mgt
Jacksonville State University
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