Nicholas McGowan
Phoenix,AZ
Summary
Experienced Claims Adjuster with 7+ years handling complex insurance claims from initial intake through resolution, including investigation, coverage analysis, negotiation, and settlement. Skilled in evaluating liability and damages, interpreting policy language, and managing high-volume caseloads while maintaining accuracy and compliance standards. Strong background in customer communication, conflict resolution, and collaboration with attorneys, medical providers, and internal teams to drive efficient claim outcomes. Known for delivering timely, fair settlements and improving claims workflow efficiency in fast-paced environments.
Overview
8
8
years of professional experience
Work History
Claims Adjuster Lead
Trexis Insurance
Phoenix, AZ
07.2024 - Current
- Conduct comprehensive risk evaluations on claims to determine liability and financial exposure.
- Ensure full compliance with state regulations and internal policies through detailed documentation and audit-ready files.
- Analyze claims data trends to identify fraud indicators, anomalies, and systemic risks.
- Partner with legal teams to resolve disputes while minimizing organizational risk.
- Manage a high-volume caseload while maintaining strict adherence to compliance standards and SLAs.
- Implement workflow improvements that increased processing efficiency and reduced errors.
- Mentor junior staff on regulatory requirements, compliance standards, and risk identification techniques.
Auto Claims Adjuster
Allstate Insurance Co
Gilbert, AZ
03.2022 - 10.2022
- Researched and verified insurance policy coverage.
- Evaluated extent of damage and documented findings.
- Determined cause and extent of damages by investigating claims with underwriters and insurance agents in field.
- Coordinated benefits while applying applicable deductibles, co-insurance and out-of-pocket costs.
- Provide customer support to members, providers, billing departments and other insurance agency's regarding claims, appeals and eligibility.
- Explained complex regulations and policy guidelines to clarify claims process for insured parties.
- Worked closely with appraisers, rental facilities, body shops and salvage vendors.
Communications Specialist
MDS Communications
Mesa, AZ
11.2021 - 02.2022
- Conducted presentations to raise awareness and encourage donations to organization.
- Integrated communications campaigns to create awareness, develop pipeline and bring in new customers.
- Established donor relations strategy to promote annual giving.
Claims Handler II
The General Insurance
Tempe, AZ
02.2021 - 09.2021
- Adhered to company and insurance client's guidelines in claims processes, estimate writing and claim closures.
- Explained complex regulations and policy guidelines to clarify claims process for insured parties.
- Worked closely with appraisers, rental facilities, body shops and salvage vendors.
- Provided policyholders with advice regarding vehicle repairs and body shop procedures to maximize customer satisfaction.
- Evaluated claims for possible fraud, contacting appropriate department for assistance and further investigation.
- Recommended settlement offers and negotiated payment arrangements.
- Obtained necessary information to complete proper evaluation of injury claims.
- Reviewed data to verify validity of claims and determine case management actions.
- Analyzed first reports of loss and underlying file material to determine if claim was suspect.
Administrative Assistant for Recruiting & Outreach
FasPsych
Scottsdale, AZ
10.2020 - 02.2021
- Communicated duties, compensation, benefits and working conditions to potential candidates, enabling solid understanding of job expectations.
- Brought in well-qualified, multifaced job candidates to fill open positions.
- Reviewed referral candidates and contacted qualified individuals to request applications.
- Increased recruiting network by leveraging industry contacts and internet mining resources.
Property Damage Claims Adjuster
Alliance United & Kemper Specialty
Phoenix, AZ
07.2018 - 07.2020
- Conducted presentations to raise awareness and encourage donations to organization.
- Integrated communications campaigns to create awareness, develop pipeline and bring in new customers.
- Established donor relations strategy to promote annual giving.
Education
Bachelor of Arts - Political Science
University of Michigan - Ann Arbor
Ann Arbor, MI4 2018
High School Diploma -
Walled Lake Central
Commerce Township, MI5 2014
Skills
- Risk Assessment & Mitigation
- Regulatory Compliance (State Insurance Guidelines)
- Fraud Detection & Investigation
- Policy Analysis & Interpretation
- Data Analysis & Trend Identification
- Internal Controls & Process Improvement
- Claims Auditing & Documentation
- Cross-Functional Collaboration
- Microsoft Excel & Data Tracking
- Reporting & Documentation Accuracy
Timeline
Claims Adjuster Lead
Trexis Insurance
07.2024 - Current
Auto Claims Adjuster
Allstate Insurance Co
03.2022 - 10.2022
Communications Specialist
MDS Communications
11.2021 - 02.2022
Claims Handler II
The General Insurance
02.2021 - 09.2021
Administrative Assistant for Recruiting & Outreach
FasPsych
10.2020 - 02.2021
Property Damage Claims Adjuster
Alliance United & Kemper Specialty
07.2018 - 07.2020
Bachelor of Arts - Political Science
University of Michigan - Ann Arbor
High School Diploma -
Walled Lake Central