Brandi Stokes
Marshfield
Summary
Dynamic professional with extensive knowledge and experience in various roles at American National, specializing in liability claim handling across multiple states. Proven expertise in managing large loss general liability, bodily injury, special farm package policies, business policies, and Medicare claims. Technical skills are complemented by a strong eagerness to learn and a steadfast commitment to enhancing the claims experience for clients. A results-driven approach ensures the effective resolution of complex claims while maintaining high service standards.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Complex Claims Specialist
American National
- 05.2025
- Manage moderate to high complexity and exposure claims. Oversee and resolve property damage and bodily injury claims in accordance with company policies and regulatory requirements. Conduct thorough assessments to analyze coverage issues, evaluate liability, and determine appropriate settlements. Communicate effectively with policyholders, legal professional, and medical providers. Utilize knowledge of state statutes, case laws, and policy contracts to negotiate settlements through written and verbal communication. Maintain accurate and comprehensive claim files.
Senior Claims Specialist
American National
- 04.2022
- Manage third-party property damage and bodily injury claims. Review and interpret large loss documents, including policy forms, legal and medical documents, and expert reports. Analyze coverage issues and accurately evaluate liability and damages. Maintain timely contact and foster professional relationships with insured, claimants, agent's attorneys, and internal clients regarding the status of clam files. Identify and analyze complex issues, presenting effectively to management, attorneys, and internal committees. Establish and maintain proper reserves. Negotiate settlements based on a comprehensive review of all facts. Apply knowledge of state statutes, case laws, and policy contracts to negotiate settlements with claimants, or attorneys through written and verbal communication. Draft professional written correspondence related to various aspects of the claims. Ensure compliance with applicable insurance laws, and regulations in all assigned states. Complete ongoing continuing education to maintain active adjuster licenses.
Medicare Claims Specialist
American National
- 04.2018
- Manage first party and third-party claims for beneficiaries over the age of 65 or with serious disabilities. Review facts of the auto loss and details of coverage utilizing the policy language. Obtain medical authorization forms to gather and verify injuries and wage loss. Applied knowledge of state statutes, case laws, and policy contracts to negotiate settlement with insureds, claimants, or attorneys through written and verbal communication. Document files with results of reviews and intentions for further handling.
Claims Representative-Property Damage
American National
- 12.2014
- Responsible for the investigating, evaluating, negotiating, and settling of auto liability claims. Conducted thorough phone investigations to determine liability and assess damages, obtained comprehensive recorded statements, and reviewed police reports. Arranged appraisal inspections for damage and negotiated diminishment of value claims. Assisted with fire and theft claims, requiring meticulous attention to detail and comprehensive recorded statements and investigation.
Associate Underwriter
American National
- 06.2012
- Assumed processing responsibilities for assigned states and agencies. Reviewed required documentation for insurance policy changes and determined if policies met eligibility guidelines to accept, reject, or adjust coverage as necessary via Mainframe. Review policy information, perform rating of vehicle drivers and verify appropriate coverage. Finalized data entry and authorized issuance of policies.
Human Resource Coordinator
Communication Solutions, LLC
07.2009 - 06.2012
- Managed Human Resource functions and payroll for over 350 employees, overseeing office personnel and performing confidential HR duties such as hiring and termination. Reconciled benefit billing and payments and maintained the HR database along with all employee records and files.
Administrative Manager
Communication Solutions, LLC
08.2003 - 07.2009
- Supervised daily operations and administrative functions to ensure efficient workflow. Managed office supply inventory and procurement, ensuring cost-effective and timely replenishment. Maintained accurate records and documentation, including reports and correspondence. Implemented and enforced office policies and procedures to enhance productivity and compliance. Supported HR functions, including onboarding, training, and employee relations. Fostered a positive and collaborative work environment, promoting team cohesion and morale.
Education
Associates in Insurance - AINS
The Institutes
01.2021
High School Diploma - undefined
Niangua R-V
Registered Medical Assistant Certificate - undefined
Vatterott College
Skills
- Policy interpretation
- Policy interpretation
- Policy interpretation
- Policy interpretation
- Policy interpretation
- Policy interpretation
- Policy interpretation
- Policy interpretation
- Policy interpretation
- Policy interpretation
- Policy interpretation
- Policy interpretation
- Policy interpretation
- Policy interpretation
- Policy interpretation
- Policy interpretation
Certification
- TX, KY, LA, NM, OK, SC Adjuster License, 2016
- WY Adjuster License, 2017
- DE, FL, NH, RI, VT Adjuster License, 2018
Timeline
Human Resource Coordinator
Communication Solutions, LLC
07.2009 - 06.2012
Administrative Manager
Communication Solutions, LLC
08.2003 - 07.2009
Complex Claims Specialist
American National
- 05.2025
Senior Claims Specialist
American National
- 04.2022
Medicare Claims Specialist
American National
- 04.2018
Claims Representative-Property Damage
American National
- 12.2014
Associate Underwriter
American National
- 06.2012
High School Diploma - undefined
Niangua R-V
Registered Medical Assistant Certificate - undefined
Vatterott College
Associates in Insurance - AINS
The Institutes
Specialization & Project Involvement
- Fire & Theft training and claim handling
- Medicare Specialized claim handling