704-887-4945 [email protected]

The Advantage Of Claims Adjusters
Who Have Practiced As Attorneys

Claims Handling Philosophy

A claims handling philosophy is only successful if it is actually practiced. At Charlotte Adjusting our philosophy drives our daily handling of cases. We believe cases are best handled by:

  • Proactive claims handling
  • A timely and thorough investigation of the claim
  • Evaluation of coverage issues as soon as possible
  • Exploration of whether early settlement is possible or advisable
  • Establishment of accurate reserves
  • Constant review of reserves as the case progresses
  • Personal involvement through mediations and direct contact with Plaintiff’s counsel, even in claims involved in litigation
  • Close supervision and management of defense counsel
  • Professional conduct and courtesy in all dealings

Meet The Team

Sean Mulligan

Sean Mulligan


Mr. Mulligan graduated from City University of New York Law School in 1994. Following law school he was a judicial clerk in the New Jersey Superior Court. Mr. Mulligan practiced law until 2005 as an insurance defense litigator, handling cases from inception through trial and the appellate process. He began handling claims as an adjuster in 2005. Mr. Mulligan founded Charlotte Adjusting in 2009.

Jie Chen

Jie Chen

Vice President, Claims

Mr. Chen graduated from Cornell University in 1997 and Brooklyn Law School in 2000.  After law school, he worked as an attorney for the City of New York.  Mr. Chen entered private practice thereafter as an insurance defense attorney. As an attorney, he handled a variety of cases from inception through trial. He joined Charlotte Adjusting in 2009.