Bio or Mini Resume:
Veronica Sehnaz Karsatar Bay Area Adjusters 2415 San Ramon Valley Blvd, #4-417 San Ramon, CA 94583 viransehnaz@hotmail.com (925) 577-5195 EDUCATION/TRAINING: 2007 / 2008 NFIP Flood Certification Concord, CA 2006 / 2007 NFIP Flood Certification Concord, CA 2005 California Department of Insurance/Independent Adjuster License San Francisco, CA 2004 Crawford University, Atlanta, Georgia 2004 AA in Liberal Arts, Diablo Valley College-San Ramon, CA 1997 Vale School Fresno, CA 1995 AIC (Associate In Claims),Aetna Ins. Co Rancho Cordova, CA 1988 General Business/Administrative Assistant/Word Processor Heald Business College-Rancho Cordova, CA SKILLS: CAT adjustment (Hurricane Floyd, Irene, Katrina) Typing 70 wpm Xactimate MS Word Excel WORK EXPERIENCE: Since 8/1/2005, established own independent claims adjusting company, Bay Area Adjusters. In addition to receiving assignments directly from carriers, also contracted to work with several independent adjusting companies for day and catastrophe claims both in the local region and other states. Experienced flood adjuster certified to adjust mobile homes, residential and small commercial flood claims. Commercial claim experience with damages up to $350,000 specifically includes losses involving several places of worship where wind and flood damaged roof structures, steeple, pewter, floor coverings and audio equipment; claims involving retail stores, restaurants as well as strip shopping centers where total loss of building and contents occurred as a result of hurricane Katrina; fire and smoke damaged restaurant, supermarket and retail stores in strip shopping centers where total or partial losses occurred and in addition to building and contents damage BI losses sustained; fire, smoke and water damaged two to three story apartment buildings, condominium/townhomes as well as hotels where number of units/rooms sustained total loss and BI losses incurred; structural damaged drive-in movie theaters where screens and platforms collapsed due to decay or hidden defect. In addition to these specific claims, also handled fire, smoke, wind and hurricane damaged small mom & pop shops, bakeries, kennels, produce and grocery stores, recording studios and distribution warehouses. Also experienced in handling cargo, inland marine, builder’s risk as well as farm claims where losses involved damaged goods/edible products, theft of equipment, water damage in new constructions as well as winery losses with damages up to $150,000. Personal lines claim experiences include fire, water and wind damaged high value homes in San Francisco, Bay Area region; hurricane Katrina damaged residential dwellings where total or partial losses occurred with damages up to $250,000. 02/04 to 05/2005 Property Claims Adjuster IV Crawford & Company, San Mateo, CA As an experienced on-staff adjuster for Crawford, Inspected, investigated, evaluated and estimated both commercial and personal lines building damage claims values ranging from $15,000 to $350,000. Furthermore, evaluated, calculated and adjusted BI and ALE losses for both residential and commercial insureds as well as handled high volume pollution claims i.e., oil overspray, sewage backup, multi-story apartments/buildings, retail stores, etc. Work product includes but not limited to taking recorded statements from insured or claimants, photographing, diagramming, evaluating damages and preparing Xactimate estimates. Timely electronic transmission of claim file notes, photos & estimates to carriers. 11/03 to Present Independent Loss Control Surveyor/Field Inspector US Reports Inc., South Bay, CA Loss control inspections and risk analysis reporting of small to mid-size commercial businesses and operations in the South Bay region for respective insurance carriers on an as needed basis. Inspections consist of investigating structural and operational nature of risks including but not limited to photographing, diagramming and obtaining operational details. Quality risk analysis reports documenting findings and electronically submitting to respective customers in desired format and within required timelines. 08/03 to 02/2004 Independent Claims Adjuster/Property Claims Representative Summit Independent Adjusters, Redwood Estates, CA Inspecting, investigating, evaluating and estimating building damage claims for respective insurance companies on an as needed basis. All claim investigation and adjustment files are electronically submitted to customers within required timelines. 10/02 to 08/2003 English-Turkish Translator/Word Processor (Out of the Country) Campus Copy Center, Isparta, Turkey While on extended leave out of the country, provided translation as well as word processing services to local college students and staff of Suleyman Demirel University in Isparta, Turkey. 01/01 to 09/02 Sr. Property Claims Representative/Resident Adjuster Unigard Insurance Group, East Bay Area, CA Thoroughly investigates, evaluates, negotiates and adjusts commercial and personal lines property damage claims. Comprehensive claim file documentation, timely coverage evaluations, scope, diagram and estimates of property damage claims valuing from $10,000 to $150,000. Compliance with company guidelines in handling large losses in excess of $50,000 up to $275,000 and compliance with California Fair Claim Practices Regulations. Excellent customer service skills demonstrated by timely contact, inspection, coverage evaluation and communication and disposition of files. Keen eye for subrogation and fraud indicators. Utilizes reputable vendors in the adjustment of contents losses. Maintains and utilizes claim diary system. Proficient in use of automation including URAT, Best 6 estimating program and Microsoft based applications. Team spirited and easily accepts field assignments from other units. Self starter, highly productive and requires minimal supervision. 10/95 - 1/19/01 Property Claim Representative/Resident Adjuster Travelers Insurance Company, East Bay Area, CA In addition to the above duties performed, continually volunteered and handled Catastrophe assignments in other states including Tennessee, Virginia, North Carolina and South Carolina. 01/93 – 10/95 Supervisor/Mail & File/Transcribing Department Travelers/Aetna Insurance Co., Claims Department, Rancho Cordova, CA Supervised and managed the Mail & File/Transcribing units consisting of 16 employees. Duties included hiring new employees; training; taking disciplinary action if necessary; arranging workflow; determining workload; conducting unit meetings; encouraging employee participation in the unit and department goals; maintaining attendance and evaluating performance; conducting time-study for quantifiable workload; ensuring compliance with Separation of Duties; ensuring security for claim department check stock; organizing file purges. References Available Upon Request
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