STEPHEN R MELNICK

***** ** **** ****** **********,FLORIDA 33322

954-***-**** CELL 954-***-**** HOME adv7u3@r.postjobfree.com Certified Insurance Counselor Emirates

HAAG CERTIFIED INSPECTOR RESIDENTIAL ID # 201606126 NFIP Authorized Adjuster # FCN 007*******

INDEPENDENT ADJUSTER LICENSE FL A176030

XACTIMATE VERSION 28 08/14/2014

Hazard Mitigation Insurance Specialist,FEMA 2009- 2015 WORK EXPERIENCE

As an independent claims adjuster Florida License A176030, I worked for Third Part Administrators (1099). The TPAs had adjusting contracts with various insurance carriers. The bulk of the claims were hurricane related. I did do daily claims for Federated National.

1.Cypress Insurance Property & Casualty Insurance Company 2. Peoples Trust

3. American Traditions Insurance Company

4. Prepared Insurance Company

5. Modern USA Insurance Company

6.United Property & Casualty Insurance Company

7. Federated National

Many of the claims handled were claims involving AOBs, Public Adjusters, and Plaintiff Law firms. I worked with engineers, mitigation specialist, and defense law firms to mitigate many of the represented claims. In addition I filed for and attended mediations and assigned appraisals when necessary to aid in negotiating settlements.

Hazard Mitigation Insurance Specialist

09/2009 to 02/2015 FEMA

Washington, DC

Disaster Reservist. A reservist is a contract position . I spent most of the time at a disaster relief center reviewing water damage claims of NFIP flood claimants. I also worked with local residents and city officials at town hall meetings explaining the flood policy and the programs FEMA provided to flood survivors. I worked two major CAT events, Hurricane ISSAC (LA) and Hurricane Sandy (NJ). During my time with FEMA I attended multiple training and education seminars and courses at FEMA training facilities. This provided me with the tools to understand and adjust water and mold claims.

Residential Property Claims Adjuster (Desk)

02/2015 to 09/2017

Burton Claim Service

Ft Lauderdale,FL

Desk Adjuster for third party administrator handling homeowner, dwelling, condo and mobile home claims. Responsibility required :

1.Contact Insured or Insureds representative (public adjuster or legal representative) 2.Assign claim to: field adjuster, engineer, mitigation contractor or other specialty contractor. 3.Review policy issued to insured.

4.Take recorded statement from insured

5.Review incoming estimates and cause of loss to determine coverage. 6.Issue undisputed amount based upon field adjusters estimate, less any deductible and recoverable depreciation. 7.Prepare settlement letter and other documents to send to insured and representative. 8.Review settlement with insured.

9.Review claim with PA or OC when asked to explain how settlement was arrived at 10.Prepare denial letter for approval by insurance company claims manager 11.Review claim with company supervisor when amount to be paid exceed IA s authority 12.Negotiate with insured, public adjuster, contractor, mitigation contractor or legal representative when settlement is disputed

13.Prepare mediation and or appraisal letter to be sent to insured or representative. 14.File for Mediation on behalf of the insurance company. 15.Work with insurance carrier s legal counsel if claim goes to suit. 16.Review reserves for adequacy

17.Notify subrogation unit for potential recovery

18.Pay insurance carries vendors, experts, engineers, peer review, outside legal 19.Notify underwriting (risk review)

20.Notify SIU of claims with any red flag issues, fraud, and arson. 21.Update claim file

22.Assign tasks to others involved in the claims process 23.Attend claim meetings, seminars or other company functions to improve the claim process. SR Property Claims Adjuster

09/2017 to 08/2020

CCMS & Assoc Dunedin,

FL

Independent Claims Adjuster working Remote ( Home Office) 1.Negotiate with insured, public adjuster, contractor, mitigation contractor or legal representative when settlement is disputed

2.Prepare mediation and or appraisal letter to be sent to insured or representative. 3.File for Mediation on behalf of the insurance company. 4..Work with insurance carrier s legal counsel if claim goes to suit. 5.Review reserves for adequacy

6.Notify subrogation unit for potential recovery

7.Pay insurance carries vendors, experts, engineers, peer review, outside legal 8.Notify underwriting (risk review)

9.Notify SIU of claims with any red flag issues, fraud, and arson. 10.Update claim file

11.Assign tasks to others involved in the claims process 13.Attend claim meetings, seminars or other company functions to improve the claim process. 14.Attend Mediations on behalf of Insurance Company, negotiate settlement with OC, PA, AOB and Insured. 15.Review Claim with Company Appointed Appraiser, Provide Documents and Reports prior to appraiser s inspection

SKILLS

Microsoft Office - 10+ years

Water Damage Assessment - 10+ years

Tile Roof Damage Assessment - 5 years

Insurance Policy Proficiency - 10+ years

Negotiation Claim Settlements - 10+ years

Management - 10+ years

EDUCATION

Florida Atlantic University

Bachelor’s

Business Administration (BBA)

Boca Raton Florida 09/1970

to 05/1972

Miami Dade JR College

Associate

Business Information Systems

Miami, FL

06/1968 to 05/1970