To pursue a professional employment position that will provide the opportunity of company advancement through demonstrating initiative and strong organizational skills utilizing my 30 years of claims experience.
Overview
34
34
years of professional experience
1
1
Certification
Work History
Sr. Claims Representative
United Services Automobile Association, USAA
07.2022 - 07.2025
Reduced claims processing time by implementing efficient workflow and prioritizing tasks.
Conducted investigations into complicated mid- and high-exposure claims.
Negotiated fair settlements with claimants, contributing to favorable outcomes for all parties involved.
Conducted thorough investigations of disputed claims, gathering evidence to support decision-making processes.
Developed in-depth understanding of insurance policies and procedures.
Improved team productivity by providing ongoing training and support to junior claims representatives.
Enterprise Field Claims Adjuster II
American Family Insurance
01.2012 - 01.2021
Specialized in habitational 1st party commercial claims including commercial condo, complex businessowners policy and farm/ranch claims.
Utilized architects, builders, contractors, and accountants to verify appropriate indemnity value.
Interpreted and determined policies, leases, by-laws, declarations, articles and contract coverages and applied to all parties.
Supervised and monitored expenses handling 1st party commercial claims across operating territories (Arizona, Nevada, Idaho, Colorado) via independent adjusters.
Solid knowledge and understanding of policies and endorsements related to casualty coverages.
Solid knowledge and understanding of each phase of the claim handling process.
Explains coverage of loss, assists policyholders with itemization of damages, emergency repairs and additional living arrangements
Accomplishments Include:
Senior Branch Claims Representative
Magna Carta Companies
01.2001 - 01.2011
Responsible for on-site investigation, coverage analysis and continued handling of commercial property and commercial general liability claims in the state of Arizona. Managed the analysis, review and adjustment of commercial claims in Nevada, Colorado, Wyoming and Utah. Utilize and direct Independent Adjusters as needed. Responsible for reservation of rights letters, when applicable.
Utilized experience, knowledge and proper claims practices to resolve complex GL issues and large property commercial claims on numerous commercial policies including condos, apartments and restaurants. Claim exposure and settlement range has been over 2 million. Authority level $150,000.
Adhered to high standards of professional conduct while providing the delivery of superior claims service to insured’s and producing agents.
Managed the activity of defense counsel to expedite settlement and control litigation expenses.
Prepared for and attended mediations, arbitrations and trials involving significant liability, property and subrogation claims.
Accomplishments include:
Field Claims Representative
Farm Bureau Insurance
01.1994 - 01.2001
Providing estimates for auto, home and commercial property claims.
Proven problem-solving skills and ability to ensure the company interests are justified by assessing damage via experienced knowledge and utilizing available tools.
Experience investigation of liability claims by conducting on site research, accident reconstruction, written reports and interviews.
Responsible for all claims in the Phoenix metropolitan area including: Black Canyon City, Carefree, Cave Creek, New River, Fountain Hills, Phoenix, Scottsdale and Tempe.
Represented the Company during mediations between claimants and attorneys.
Accomplishments include:
Field Claims Representative
Farmers Insurance
01.1992 - 01.1994
Responsible for conducting investigations relating to claims involving bodily injury, property damage and multiple line coverages. Negotiated settlements and prepared claims for arbitration.
Microsoft Office (Word, Excel PowerPoint, Outlook, Teams) Proficient in XactAnalysis, Xactimate, XactContents, HOVER, Guidewire ClaimCenter Virtual claims handing using ClaimsXperience
Software Tools & Technology Proficiency: MICROSOFT OFFICE SUITE (WORD, EXCEL, POWERPOINT, OUTLOOK) CRM, XACTIMATE, SHAREPOINT
Investigates origin and cause of claims by contacting the appropriate parties including insureds, claimants, agents, attorneys, contractors, experts, special investigation unit, other adjusters, public personnel, etc
Identifies complex issues and seeks assistance as needed Handles claims on a good faith basis
Handles 1st party claims under multiple policies types and numerous endorsements
Conducts on-site inspections when needed, evaluates damages, and handles claim negotiations with insureds, claimants, attorneys, public adjusters
Responds to customer inquiries, makes appropriate decisions and closes file as needed
Interprets and determines policies, leases, by-laws, declarations, articles and contract coverages and applies to all parties for assigned losses
Proactively provides all parties with claim process and status as appropriate; answers questions or redirects to other areas
Investigating and determining loss coverage and adjusting all elements of property loss claims
Working in relation with customers and agents in order to negotiate settlements and manage the customer experience
Making use of estimating software in order to establish indemnity values of claimed damages
Physically visiting properties in order to critically examine and verify damage and assess repairs
Ensuring that premiums are paid up and that the claimant’s insurance policy doesn’t have any riders that preclude payment
Interviewing job professionals such as architects, builders, contractors, and accountants to find out if the claim is appropriate
Negotiating and reaching a settlement with claimants
Create an organized work routine in a virtual environment
Manage communication, verbally or in writing, regarding claim processes/procedures with other customers, employees, leaders and teams
Work independently and responsibly to handle claims in a professional and caring manner
Create and maintain business relationships
Work as a team within an assigned unit and also within the team at large
Solve problems, make decisions, and take action
Treat customers respectfully and compassionately
May be called upon for catastrophe duty For Catastrophe (CAT) roles, investigative fieldwork includes a high amount of travel to claim location
Works with and may coordinate a number of vendor services such as contractors, emergency repair, cleaning services and various replacement services
Explains coverage of loss, assists policyholders with itemization of damages, emergency repairs and additional living arrangements
Implement and coordinate the most effective management techniques to mitigate loss and expense payments
Works within specific limits and authority on assignments of moderate technical complexity
May use a company claims office location as their base operations, or they may work out of their homes
May participate in one or more complex special assignments
Provide detailed computerized estimates and reports for residential and commercial insurance losses using Xactimate estimating software
Created property and contents estimates based on our field inspection using Xactimate estimating software
Utilize Xactimate estimating system during field inspection to properly evaluate homeowner’s property damage
Review Xactimate estimates to ensure accuracy and make payments/payment recommendations
Obtained State Farm Auto Certification to adjust automobile property claims after catastrophe
Participated in catastrophe team during hurricane season
Participated in numerous catastrophe teams
Handled commercial, catastrophe, complex, and home owner claims
Contract and staff Catastrophe claim adjuster/supervisor with multiple claim vendors
Guidewire ClaimCenter – Main software management
HOVER
Virtual claims handling through ClaimsXperience
MS Office
Settlement negotiation
Certification
Florida Designated Home State Adjuster License 70-20, Florida Department of Financial Services, 10/22
Specialized Knowledge & Skills Requirements
Demonstrated experience providing customer-driven solutions, support or service.
Supervised and monitored expenses handling 1st party commercial claims across operating territories via independent adjusters.
Business Support Analys Senior at United Services Automobile Association, USAABusiness Support Analys Senior at United Services Automobile Association, USAA
Insurance Sales Professional at United Services Automobile Association, USAAInsurance Sales Professional at United Services Automobile Association, USAA