Open to opportunities

Kenneth Low

@kennethlow

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Auto claims and total loss adjuster specializing in APD and liability.

United States

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What I'm looking for

I’m looking for a remote auto claims role where I can handle total loss and APD from investigation through settlement, manage high-volume inventories and reserves, coordinate salvage/subrogation, and deliver compliant, customer-focused resolutions.

I’m an Auto Claims and Total Loss Adjuster with 8+ years of progressive experience handling APD, total loss, liability investigations, theft, fire, and complex coverage claims. I manage high-volume inventories, negotiate settlements within authority, and focus on compliant, customer-focused outcomes.

I handle FNOL through closure in remote environments, coordinating salvage and identifying subrogation and recovery opportunities. I maintain active claim inventories, establish reserves, and adjust exposures throughout the claim lifecycle while ensuring regulatory compliance with state requirements, policy provisions, and company procedures.

Across total loss and liability work, I investigate and adjudicate claims using policy information, valuations, statements, police reports, and evidence. I also coordinate with investigative vendors, clients, and counsel to resolve complex matters, and I identify fraud indicators to support accurate claim resolution.

My background also includes APD damage appraisal, repair vs. total loss decisioning, rental coordination, and mentoring support for less experienced adjusters. I’ve contributed during CAT events through documentation review and prior claim history verification, and I previously processed warranty claims by resolving dealer and customer inquiries.

Experience

Work history, roles, and key accomplishments

Total Loss Adjuster

Reserv

Oct 2025 - Feb 2026 (4 months)

Managed total loss claims from investigation through settlement, maintaining accurate inventories, reserves, and customer-focused communication. Coordinated salvage and identified subrogation/recovery opportunities while ensuring regulatory and policy compliance.

Inventory Management Set Reserves Regulatory Compliance

Total Loss Adjuster

Csaa / Aaa

Oct 2023 - Oct 2025 (2 years)

Handled total loss claims by investigating policy and valuation documentation, establishing reserves, and negotiating settlements within authority. Coordinated salvage activities and maintained regulatory compliance while supporting investigative oversight and process improvements.

Loss Investigation Inventory Management Subrogation Recovery Identification Regulatory Compliance Investigative Oversight

Auto Investigation Claim Adjuster

American Family Insurance

May 2023 - Oct 2023 (5 months)

Conducted complex auto claim investigations involving insureds, claimants, attorneys, SIU, and external experts. Determined liability using statements and police reports, analyzed coverage under policy terms, and clearly communicated decisions to customers.

Complex Claims Liability Determination Coverage Analysis SIU Attorney Coordination

APD Specialist (TNC)

Farmers Insurance

Sep 2022 - Apr 2023 (7 months)

Audited vehicle damage and finalized repair estimates and supplements while managing repair timelines and storage cost mitigation. Handled total loss valuations, managed salvage releases, and identified coverage and subrogation opportunities while supporting less experienced adjusters.

Auto Physical Damage (APD)Repair Timeline Management Repair Vs. Total Loss Decisions Storage Cost Mitigation Salvage Release Handling

TNC Tier II Claim Owner

Farmers Insurance

May 2022 - Sep 2022 (4 months)

Investigated complex coverage issues involving permissive use, excluded drivers, rideshare claims, and policy status. Conducted liability analysis for multi-vehicle losses, secured recorded statements, managed rental coordination, and maintained compliant claim documentation.

Coverage Analysis Permissive Use Analysis Excluded Driver Review Liability Percentage Assignment

Liability Adjuster

Esurance

Sep 2021 - Apr 2022 (7 months)

Managed single and multi-vehicle liability investigations using insured and claimant statements and supporting evidence. Negotiated settlements in accordance with company guidelines while maintaining thorough investigation documentation.

Liability Investigations Single And Multi Vehicle Claims

Claims Resolution Adjuster

Elephant Insurance

Jan 2019 - Sep 2021 (2 years 8 months)

Supported catastrophe claim volume by reviewing prior claim history and verifying documentation to ensure accurate claim handling. Coordinated claim resolution activities with a focus on complete, compliant files.

Documentation Review Claims Handling Claims Resolution

Warranty Claims Administrator

Carrier Enterprise

Feb 2017 - Dec 2018 (1 year 10 months)

Processed warranty claims by verifying coverage and issuing credits with proper documentation. Resolved inbound warranty inquiries and disputes with dealers and customers to support timely resolution.

Dispute Resolution Documentation Management Customer Service