Nesherrian Holmes
215 Heaton Place Trail, Covington,GA
Summary
Experienced independent insurance adjuster with over 20 years of successful claims management. Experienced with handling complex catastrophe claims efficiently and effectively. Utilizes advanced investigative techniques to assess damage and negotiate settlements. Track record of demonstrating strong understanding of policy coverage and collaborating with teams to streamline claims processes.
Overview
14
14
years of professional experience
1
1
Certification
Work History
CATASTROPHE CLAIMS ADJUSTER - Executive Adjuster
FKS Insurance Services -Citizens Property INS.
10.2024 - 03.2025
- Handled Civil Remedy Notice (CRN) Regarding bad faith - met 60 day dead line
- Reviewed and responded to NOI to accept, deny or offer settlement.
- Managed an average of 50 supplement claims
- Reviewed policy provisions and endorsements/paid accordingly
- Proactively managed workload during high-volume catastrophe events
- Xactimate estimating software - Claim Center claim handling software
- Reviewed Field adjusters estimate for accuracy and proper repair in comparison to photos and cause of loss.
- Prepared disposition letters
GENERAL LIABILITY ADJUSTER - Senior Claim Adjuster
Custard Insurance - Riverwood
12.2023 - 03.2024
- Managed a case load of 30 small commercial policies involving theft
- Proactively identified potential subrogation opportunities
- Efficiently handled CRN and responded meeting the dead line proposed.
- Reviewed and responded to NOI to accept, deny or offer settlement.
- Handled small commercial policies involving slip/fall and trips.
- Recovered payouts from responsible third parties via subrogation.
- Managed a desk of 20 - 30 small commercial claims involving equipment/boiler breakdown
- Completed commercial claims for building damage per policy provisions and state statutes.
- Completed appropriate disposition correspondence
- Business interruption claims and commercial defect.
Senior Claims Examiner
FKS Insurance Service - FEMA
06.2021 - 11.2023
- Managed insolvent companies claims to conclusion
- Deliver solutions and resolve problems to complex claims
- Handled Civil Remedy Notice (CRN) Regarding bad faith - met 60 day dead line
- Reviewed and responded to NOI to accept, deny or offer settlement.
- Conversed with contractors/third party to expedite claim settlements, ensuring fair resolutions for all parties involved.
- Handled average of 40-60 claims weekly
- Confirmed all damages were related to reported loss
- Collaborated claims in Xactimate.
COMPLEX CLAIM FILE REVIEWER
470 Claims Management - Met Life and Safeco
02.2020 - 04.2021
- Reviewed files for completeness, adherence to company policies, industry regulations, documentations, correct documentation, reports, and records.
- Collaborated with field adjusters and other parties to resolve discrepancies and ensure accuracy
- Xactimate software
- Proved successful working within fast-paced atmosphere reviewing and approving 25 files on average per day.
- Quality control
PROPERTY ADJUSTER-HURRICANE MICHAEL - Senior Adj.
Argent Claims Consultants - Olympus Insurance
02.2019 - 01.2020
- Reviewed field adjuster report determined flood related vs wind
- Coordinated and managed field investigations, outside engineers, contractors and cause and origin experts.
- Investigated, negotiated, and settled claims; with Attorney's, Public Adjusters, policy holders and contractors to bring claim to a resolution.
- Created and revised estimates in Xactimate
- Contributed to litigation processes for successful settlements; Negotiated up to $450,000
- Set up mediation/Handled Appraisal claims
- Destruction due to natural disasters or accidents.
- Handled ALE and loss assessment claims
- Business interruption claims and commercial defect.
LITIGATION/ TRIAGE UNIT
Pacesetter Claims Service - Citizens Property Ins.
02.2018 - 01.2019
- Handled Civil Remedy Notice (CRN) Regarding bad faith - met 60 day dead line
- Reviewed and responded to NOI to accept, deny or offer settlement.
- Resolved conflict, negotiated mutually beneficial agreements between parties.
- Worked closely with inside counsel to bring claim to a resolution
- Assisted inside counsel in determining the deposition of the file rather go to trial or if claim could be settled before trail.
- Handled 50 claims on average at all times
- Determined appropriate coverage and subrogation opportunities.
- Obtained the prior photos and claims to review for over lapping damages and possible duplicate claims.
- Reviewed estimate to assure the proper repair was used for the damages resulting from the covered loss.
- Reviewed the denial or partial denial to determine if the correct policy language was applied.
- MCM/CTS software
COMPLEX LITIGATED CLAIMS EXAMINER -Senior Examiner
Professional Staffing Services - Heritage
04.2017 - 01.2018
- Worked case load of 20-30 files to reduce claim volume to manageable case load.
- Reviewed and responded to NOI to accept, deny or offer settlement.
- Recommended settlement offers and negotiated payment arrangements with PA, Attorney, and or insureds.
- Completed required investigations on referred large loss files.
- Handled time limit demands as submitted timely.
- Reviewed field adjuster and desk adjusters' reports, photos, and estimate for accuracy.
TEAM LEAD CAT-COMMERCIAL ADJ. - Senior Adjuster
Bradley Stinson - BSA -Citizens Property Ins.
10.2016 - 03.2017
- Handled notice of intent claims/time limit demands
- Reviewed claim to assure the field adjuster estimate, report and photos were in line with carries guidelines
- Determined trends to for training consideration.
- Investigated claims for potential fraud, subrogation, payment and or denial
- Confirmed coverage and decided if property warrant re-inspection for supplements
- Handled notice of intent claims/time limit demands
TEAM LEAD, LIT. AUTO BI, LIAB ADJ. TL Senior Adj.
E. A. Renfroe & Company, Inc. - StateFarm
11.2010 - 10.2016
- Responded to CRN complaints of bad faith in a timely fashion including time line and conclusion of the matter.
- Reviewed and responded to NOI to accept, deny or offer settlement.
- Resolved time limit demands from insureds, PA's and Attorney's; completed task before deadline.
- Negotiated settlements with public adjusters and attorneys, during appraisal and litigation
- Determined rather or not the accident was work related
- Determined if the vehicle was totaled or repairable
- Managed claim to determined if injury damages are result of gross negligent and if punitive damages are applicable.
- Trained and managed new employees
- Managed DFS complaints
- Determined wind/hurricane vs flood damage
- Reviewed claim to assure accuracy, quality, subrogation opportunities, and jurisdictional compliance
- Used MSB software, Image Right, and Claim Center
- Managed an average of 50 supplement claims
Education
Independent Adjuster Licence - Insurance
HCC
Tampa, FL01.2003
Skills
- Driven professional
- Property inspection
- Proactive self-starter
- Effective time management
- Strong attention to detail
- Analytical reasoning
- Skilled in settlement negotiations
- Clear and concise communication
- Active listening skills
- Claims investigation
- Damage assessment
- Policy interpretation
Certification
- Independent Adjuster License, Insurance, Tampa, FL, 2003
- ACA - accredited claims adjuster/license, GA-2824034, AL-590531, FL E103522, KY 778854, MS 10261947, LA 560241, IN 1102863, OK 100128716, SC 7916412, TX 1761100, MI 0798067, NC 7916412
- NFIP-FCN 07060309
- Xactimate Certified - Level II; Nesharian.Covington.GA.1
- State Farm Certified - Policy- Fire- Auto
- Citizens Certified
- TWIA Certified; TWIA Commercial Desk Certified
- HAAG Reviewer Level 1
- Passport, C13730082
Accomplishments
- Served as Team Lead for commercial claims during CAT.
- Maintained a consistent closing of 3 claims per week.
- Maintained a superior quality of handling claims while continuing to hold a score of 95% for overall customer service.
Timeline
CATASTROPHE CLAIMS ADJUSTER - Executive Adjuster
FKS Insurance Services -Citizens Property INS.
10.2024 - 03.2025
GENERAL LIABILITY ADJUSTER - Senior Claim Adjuster
Custard Insurance - Riverwood
12.2023 - 03.2024
Senior Claims Examiner
FKS Insurance Service - FEMA
06.2021 - 11.2023
COMPLEX CLAIM FILE REVIEWER
470 Claims Management - Met Life and Safeco
02.2020 - 04.2021
PROPERTY ADJUSTER-HURRICANE MICHAEL - Senior Adj.
Argent Claims Consultants - Olympus Insurance
02.2019 - 01.2020
LITIGATION/ TRIAGE UNIT
Pacesetter Claims Service - Citizens Property Ins.
02.2018 - 01.2019
COMPLEX LITIGATED CLAIMS EXAMINER -Senior Examiner
Professional Staffing Services - Heritage
04.2017 - 01.2018
TEAM LEAD CAT-COMMERCIAL ADJ. - Senior Adjuster
Bradley Stinson - BSA -Citizens Property Ins.
10.2016 - 03.2017
TEAM LEAD, LIT. AUTO BI, LIAB ADJ. TL Senior Adj.
E. A. Renfroe & Company, Inc. - StateFarm
11.2010 - 10.2016
Independent Adjuster Licence - Insurance
HCC
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