Experience

Lozano Insurance Adjusters, Inc.

• United States
• Insurance
• 1 - 100 Employee

• Desk Adjuster

  • Jun 2022 - Present

  Desk Adjuster – Contingent Worker assigned to Citizens Property & Casualty Insurance • Investigates claim damages and situations using internal and external resources. Investigation steps include speaking with the insured or other involved parties such as contractors, Public adjusters, and attorneys, requesting and receiving a field investigation report, researching past claims, researching on external websites for events confirmation, and engaging vendors for services, material supply… Show more Desk Adjuster – Contingent Worker assigned to Citizens Property & Casualty Insurance • Investigates claim damages and situations using internal and external resources. Investigation steps include speaking with the insured or other involved parties such as contractors, Public adjusters, and attorneys, requesting and receiving a field investigation report, researching past claims, researching on external websites for events confirmation, and engaging vendors for services, material supply and/or pricing. • Determines policy coverage through analyzing investigation data and policy terms, including whether coverage may be available for the reported loss. Notifies the insured of coverage and claim process. Establishes reserve levels and adjusts as appropriate based on investigation findings. • Maintains accurate and current communication with insured/claimant/ representatives. Maintains accurate and current claim file documentation throughout the life cycle of claim cases. • Engages specialized departments such as Special Investigation Unit and Subrogation as appropriate. • May participate in conducting suit committees, roundtables, arbitrations, and mediations. • Reviews recommendations for causation, approval/denial made by Independent Adjusters to determine whether to approve/deny the claim. Approves bids for reserve and settlement/payment schedule amounts. • Negotiate amicable settlements for large & complex losses with insureds or insureds representatives. Determines and negotiates settlement amounts for damages claimed within assigned authority limits. Makes recommendations to management for settlement amounts outside of authority limits. Show less Desk Adjuster – Contingent Worker assigned to Citizens Property & Casualty Insurance • Investigates claim damages and situations using internal and external resources. Investigation steps include speaking with the insured or other involved parties such as contractors, Public adjusters, and attorneys, requesting and receiving a field investigation report, researching past claims, researching on external websites for events confirmation, and engaging vendors for services, material supply… Show more Desk Adjuster – Contingent Worker assigned to Citizens Property & Casualty Insurance • Investigates claim damages and situations using internal and external resources. Investigation steps include speaking with the insured or other involved parties such as contractors, Public adjusters, and attorneys, requesting and receiving a field investigation report, researching past claims, researching on external websites for events confirmation, and engaging vendors for services, material supply and/or pricing. • Determines policy coverage through analyzing investigation data and policy terms, including whether coverage may be available for the reported loss. Notifies the insured of coverage and claim process. Establishes reserve levels and adjusts as appropriate based on investigation findings. • Maintains accurate and current communication with insured/claimant/ representatives. Maintains accurate and current claim file documentation throughout the life cycle of claim cases. • Engages specialized departments such as Special Investigation Unit and Subrogation as appropriate. • May participate in conducting suit committees, roundtables, arbitrations, and mediations. • Reviews recommendations for causation, approval/denial made by Independent Adjusters to determine whether to approve/deny the claim. Approves bids for reserve and settlement/payment schedule amounts. • Negotiate amicable settlements for large & complex losses with insureds or insureds representatives. Determines and negotiates settlement amounts for damages claimed within assigned authority limits. Makes recommendations to management for settlement amounts outside of authority limits. Show less



Insurance Claims Unlimited (ICU)

• United States
• Insurance
• 1 - 100 Employee

• Independent Adjuster & Appraiser

  • Oct 2018 - Present



Sky Blue Solutions Group

• Miramar, FL

• Independent Adjuster

  • Apr 2019 - Present



Integrated Claim Solutions

• United States
• Insurance
• 1 - 100 Employee

• Independent Property & Casualty/ Commercial Insurance Adjuster

  • Jan 2016 - Present

  Various Insurance Carriers Task assignments (Residential and Commercial) Investigate and document claim activities by completing property, commercial and liability claims losses. · Prepare reports by collecting, analyzing, and summarizing information. · Resolve questionable claims by investigating claim; comparing claim information with evidence, review policies and understand coverage’s. · Prepare detailed estimates using variety of formats and software (Xactimate… Show more Various Insurance Carriers Task assignments (Residential and Commercial) Investigate and document claim activities by completing property, commercial and liability claims losses. · Prepare reports by collecting, analyzing, and summarizing information. · Resolve questionable claims by investigating claim; comparing claim information with evidence, review policies and understand coverage’s. · Prepare detailed estimates using variety of formats and software (Xactimate, Symbility). · Handling of complex claims with Public Adjusters and Attorneys involvement. · Investigate Third Party Liability claims, collect evidence, record statements, interview parties, determine coverage. Show less Various Insurance Carriers Task assignments (Residential and Commercial) Investigate and document claim activities by completing property, commercial and liability claims losses. · Prepare reports by collecting, analyzing, and summarizing information. · Resolve questionable claims by investigating claim; comparing claim information with evidence, review policies and understand coverage’s. · Prepare detailed estimates using variety of formats and software (Xactimate… Show more Various Insurance Carriers Task assignments (Residential and Commercial) Investigate and document claim activities by completing property, commercial and liability claims losses. · Prepare reports by collecting, analyzing, and summarizing information. · Resolve questionable claims by investigating claim; comparing claim information with evidence, review policies and understand coverage’s. · Prepare detailed estimates using variety of formats and software (Xactimate, Symbility). · Handling of complex claims with Public Adjusters and Attorneys involvement. · Investigate Third Party Liability claims, collect evidence, record statements, interview parties, determine coverage. Show less



Engage Solutions Group Inc

• Miami/Fort Lauderdale Area

• Independent Property & Casualty Insurance Adjuster

  • Jan 2013 - Present

  United Property and Casualty Insurance Task assignments/ Citizens Insurance CAT provider · Investigate and document claim activities by completing property claims on different kind of losses (wind, water, fire, sinkhole, etc.). · Prepare reports by collecting, analyzing, and summarizing information. · Resolve questionable claims by investigating claim; comparing claim information with evidence, review policies and understand coverage’s. · Prepare detailed estimates using… Show more United Property and Casualty Insurance Task assignments/ Citizens Insurance CAT provider · Investigate and document claim activities by completing property claims on different kind of losses (wind, water, fire, sinkhole, etc.). · Prepare reports by collecting, analyzing, and summarizing information. · Resolve questionable claims by investigating claim; comparing claim information with evidence, review policies and understand coverage’s. · Prepare detailed estimates using variety of formats and software (Xactimate, Symbility). · Handling of complex claims with Public Adjusters and Attorneys involvement. Show less United Property and Casualty Insurance Task assignments/ Citizens Insurance CAT provider · Investigate and document claim activities by completing property claims on different kind of losses (wind, water, fire, sinkhole, etc.). · Prepare reports by collecting, analyzing, and summarizing information. · Resolve questionable claims by investigating claim; comparing claim information with evidence, review policies and understand coverage’s. · Prepare detailed estimates using… Show more United Property and Casualty Insurance Task assignments/ Citizens Insurance CAT provider · Investigate and document claim activities by completing property claims on different kind of losses (wind, water, fire, sinkhole, etc.). · Prepare reports by collecting, analyzing, and summarizing information. · Resolve questionable claims by investigating claim; comparing claim information with evidence, review policies and understand coverage’s. · Prepare detailed estimates using variety of formats and software (Xactimate, Symbility). · Handling of complex claims with Public Adjusters and Attorneys involvement. Show less



G&G Insurance Adjusters, Inc

• United States
• Insurance
• 1 - 100 Employee

• Independent Property & Casualty Insurance Adjuster

  • Jun 2011 - Sep 2014