Summary
Overview
Work History
Education
Skills
Certification
Additional information
Timeline
Generic

Nichole Foster

Cedar Hill

Summary

Results-driven auto adjuster with 12 years of experience in insurance claims and case management. Skilled in file auditing, claims investigation, and risk assessment. Consistently reduces claim resolution times and increases customer satisfaction. Dedicated to implementing innovative strategies to improve operational efficiency and cultivate strong relationships with clients and stakeholders.

Overview

12
12
years of professional experience
1
1
Certification

Work History

Commercial Auto Adjuster GL/LI/BI/LIT

Interstate Claims Management
04.2021 - 04.2025
  • Investigated complex insurance claims for accuracy, ensuring timely settlements and upholding client trust.
  • Analyzed claim data to identify potential fraud, effectively reducing financial losses and enhancing detection protocols.
  • Collaborated with medical professionals to assess injury severity and determine appropriate compensation.
  • Negotiated fair and equitable settlements with claimants, attorneys, and third parties.
  • Assisted in preparing claim files for litigation, collaborating with defense counsel and internal teams to support resolution of liability disputes.
  • Maintained detailed and compliant documentation for all claims, supporting accurate investigations and regulatory adherence.
  • Managed high-volume caseloads of up to 200 active claims, consistently processing up to 6 new claims per day.
  • Handled a diverse claim mix: 80% General Liability/Property Damage and 20% Bodily Injury/Litigation.
  • Communicated effectively with first-party, third-party clients, and TPAs via phone, email, and written correspondence to ensure claim resolution and client satisfaction.

Claims Associate

State Farm
04.2023 - 10.2023
  • Determine Liability, issue payments, process Subrogation, and ensure fraud prevention. Processed claims settlements with precision, leading to expedited resolutions and enhanced customer trust.
  • Investigated claims thoroughly, identifying discrepancies to minimize fraud and ensure fair outcomes for all parties.
  • Collaborated with clients to gather necessary documentation, fostering clear communication and improving overall satisfaction.
  • Maintained comprehensive records of claims activities, ensuring compliance with regulations and enhancing operational efficiency.
  • Educated clients on policy details and claims processes, empowering them to make informed decisions and reinforcing loyalty.

Financial Counselor

Parkland Hospital
05.2016 - 10.2022
  • Collected claim details, guided clients on policy use, and verified coverage for informed decisions.
  • Provided financial product options, increasing client enrollments and fund conversions.
  • Assisted clients with updates, ensuring seamless insurance verification and policy application.
  • Streamlined the claims process by implementing a new verification system, leading to faster claim resolutions and improved client satisfaction.
  • Enhanced client communication strategies, fostering trust and leading to noticeable increases in client retention rates.

CAT ADJUSTER – Claims Examiner

FEMA COVID-19
12.2020 - 04.2021
  • Evaluated and resolved property loss claims, ensuring accurate payment assessments.
  • Communicated effectively with clients, maintaining high standards of professionalism.
  • Educated clients on claims processes, enhancing their understanding and satisfaction.
  • Collaborated with insurance adjusters and legal professionals to expedite claims resolution.

Claims Representative

State Farm
08.2013 - 05.2016
  • Perform critical analysis of initial evidence, provide valuation and fault analysis, and negotiate loss valuation.
  • Negotiate in loss valuation to faulted party and repair shop with a 3% escalation.
  • Empathize with parties to ensure smooth process implementation and speed with a 2% escalation rate of all claims.
  • Conducted thorough investigations on claims to identify discrepancies, resulting in substantial improvements in fraud detection and loss mitigation.
  • Implemented streamlined processes for claims management, reducing processing times and increasing overall efficiency across the department.
  • Demonstrated empathy towards clients during claims discussions, ensuring clear communication and maintaining positive customer relationships.
  • Conducted detailed investigations on claims, identifying discrepancies that led to noticeable gains in fraud detection and loss mitigation.

Education

Bachelor of Science - undefined

Eastfield College
Mesquite, TX
09.2025

High School Diploma - undefined

Poteet High School
Mesquite, TX
05.2012

Skills

  • MS Word
  • MS Excel
  • Xactimate
  • Quickbooks
  • SmartSheet
  • Risk Assessment
  • Claims Management
  • Negotiation
  • Customer Service
  • File Auditing
  • Liability Assessment
  • Insurance
  • Claims Investigation

Certification

  • Estimatics Certification at State Farm
  • Policy Certification at State Farm
  • Auto Certification at State Farm

Additional information

  • Professional Licenses
  • Adjuster License, Current in all states excluding Louisiana (In process of renewing)
  • TWIA
  • LCPIC
  • NFIB
  • Professional Development
  • Actively pursuing continued education in the medical field, alongside enhancing technical skills and professional development within the insurance adjusting industry to deliver comprehensive, informed, and efficient claims handling.

Timeline

Claims Associate

State Farm
04.2023 - 10.2023

Commercial Auto Adjuster GL/LI/BI/LIT

Interstate Claims Management
04.2021 - 04.2025

CAT ADJUSTER – Claims Examiner

FEMA COVID-19
12.2020 - 04.2021

Financial Counselor

Parkland Hospital
05.2016 - 10.2022

Claims Representative

State Farm
08.2013 - 05.2016

Bachelor of Science - undefined

Eastfield College

High School Diploma - undefined

Poteet High School

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