Lori A. Coates, AIC

ad00y0@r.postjobfree.com

linkedin.com/in/loricoates

Thornton, CO, 303-***-****

General Adjuster / Regional General Adjuster

Insurance Industry Experience with proactive adjuster with 15+ years of commercial/residential property claims experience and 10+ years of expertise in managing complex large losses. Possessing established broker/carrier relationships, proficient knowledge of commercial/residential ISO policies, and proficiency in Xactimate and other estimating platforms. A strong communicator with exceptional problem-solving skills, the ability to work collaboratively, and respond to stakeholder inquiries in a timely and professional fashion. Experienced in preparing scope of damage/loss measure/costs schedule and bringing matters to a timely, equitable resolution in accordance with coverage and liability findings. Holds an appropriate state adjuster license, and is familiar with local jurisdictional requirements and claim practices. Capable of handling $1-5 million losses and is willing to travel out of territory for catastrophe response. Holding Multiple Insurance Licenses.

Areas of Expertise

Prepare Scope

Excellent Investigation Skills

Knowledge of Insurance Policies Knowledge of Laws

Data Collection

Analysis Skills

Computer Based Research Programs

Excellent Customer Service Skills

Strong Organizational Skills

Income Loss

Inspection Claims

Prepainring Estimates

Commercial and Residentail Polices

Negotations

Leadership

Communication Skills

Correspondence

Collaborative

Accomplishments

Review losses and examine coverage limits for commercial and residential policies.

Efficiently manage time and work independently to process a high volume of claims.

12 years of working flood claims for insurance companies

2004 work for FEMA handling the 4 hurricanes to hit Florida

Resolved homeowner and commercial property loss claims in Colorado, Wyoming, Arizona, Nevada, Utah, and New Mexico that consisted of business, school, municipality, and National Accounts.

Handled claims ranging from $100K to $1M at the General Adjuster level.

Recognized for consistently exceeding company averages for customer satisfaction.

Review losses and examine coverage limits for commercial and residential policies.

Efficiently manage time and work independently to process a high volume of claims.

12 years of working flood claims for insurance companies

2004 work for FEMA handling the 4 hurricanes to hit Florida

Resolved homeowner and commercial property loss claims in Colorado, Wyoming, Arizona, Nevada, Utah, and New Mexico that consisted of business, school, municipality, and National Accounts.

Handled claims ranging from $100K to $1M at the General Adjuster level.

Recognized for consistently exceeding company averages for customer satisfaction.

Career Experience

Catastrophe Adjuster, NationWide 10/2021-02/2023

Experienced catastrophe adjuster with over 15+ years of experience in evaluating and settling complex insurance claims resulting from natural disasters. Possesses a deep understanding of insurance policies, coverage limits, and claim settlement procedures.

Skilled in working with policyholders, vendors, and other stakeholders to ensure timely and accurate resolution of claims.

Proven track record of delivering exceptional customer service, driving customer satisfaction, and managing high-volume claims.

Adaptable and resourceful in fast-paced, high-pressure environments.

Strong communication, negotiation, and problem-solving skills.

Assess and Inspect Property Damage

Inspect property and physical damage

Analyze complex information from different sources

Examine claim liability

Prepare and process claim reports

Consult with specialists (e.g. physicians, engineers)

Calculate benefits and payments

Negotiate settlements with claimants

Examine police reports, videos from surveillance cameras or audio if applicable

Support attorneys to defend the company in case of contestation

Self-Employed 2009 to 2021

Independent Adjuster

Highly experienced Independent Adjuster with over 10+ years of experience in the insurance industry. Skilled in investigating, evaluating, and settling complex claims in a timely and efficient manner. Demonstrated ability to work independently, manage multiple cases simultaneously, and communicate effectively with policyholders, attorneys, and other stakeholders. Expertise in property and casualty claims, including personal and commercial lines. Proven track record of achieving favorable outcomes for clients and meeting service level agreements.

Process storm and daily claims for commercial and residential policies servicing, USAA, American Family, MetLife, State Farm, Safeco, and Colonial Claims LLC.

Travelers Insurance 2006 to 2009

Technical Property Specialist

Recruited to direct and oversee large residential, commercial, and business income losses. Accountable for inspecting claims, preparing estimates of damages, applying coverages, and settling claims appropriately. Thoroughly investigated damage, hired engineers, and ensured coverage limits. Handled business interruption claims and set appropriate reserves. Claims went up to $5,000,000 in value.

State Farm Insurance

Claims adjuster

Inspected claims, prepared estimates, applied coverage and settle claims. Met with iusreds and engineers and contractors to come to an agreement on the cost to repair the homes. Claims wet up to $1,000,000 in value.

Experience With:

Insurance License, Insurance Industry Experience, responsive, problem solver, interpersonal skills

Additional Experience

CAT Adjuster, Field Adjuster, State Farm Insurance

Education

Bachelor of Arts, Recreation Administration, California State University, Chico, CA

Associate’s in Claims Designation, AIC

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