CHESLEY REAGAN
Cape Coral,FL
Summary
Accurate Sr. Property Claims Adjuster with excellent time management and problem-solving capabilities. Logical and fair with the ability to thoroughly explain insurance policies and settlement offers to claimants. Expertise in assessing damage, calculating data, and preparing investigation reports. Multiple State Adjusters License. Proficient in Xactanalysis and Level 2 Xactimate Certified. 20+ years in the construction industry with vast knowledge of Commercial and Residential construction and repair processes. Exceptionally organized and handle all claims in a timely manner. Efficiently handle all claims with accuracy and care. Sr. Commercial Property Claims Adjuster with a background in Flood, Inland Marine, Commercial and Residential property claims adjustment. First-rate verbal and written communication skills. Sound knowledge of insurance policies and settlement offers. Dedicated to conducting prompt and thorough investigations to ensure all parties involved are satisfied. Currently hold Adjuster license in AL., CT., FL., GA., ID., IN., KY., LA., MT., MS., NC., NH., NM., OK., RI., SC., TX., and VT. NFIP Registered Adjuster with Active FCN Card authorized for Residential and Small Commercial Flood losses.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Catastrophe Property Independent Adjuster
Field Pros Direct, Griston Claim Solutions, Alacrity Solutions, Davies Group, Allied American, Johns Eastern
10.2022 - Current
- Drafted statement of loss to summarize damages, payments, and underlying policy coverage
- Conducted interviews, gathered detailed information, and completed field investigations
- Managed case load of 100+ clients while deployed for CAT claims
- Reduced loss ratios through fair and prompt processing of claims
- Analyzed first reports of loss and underlying file material to determine if claim was suspect and determine coverage for commercial & residential property claims
- Performed fact-finding and investigated Commercial property damage, recorded information, and transmitted information to accurately determine potential indemnities
- Complied with company and insurance client's guidelines in claims processes, estimate writing and the closing of claims
- Maintained expert-level knowledge of Statutory insurance regulations, policies, procedures, and best practices
- Processed claims consistent with client and corporate policies, procedures, and best practices while upholding compliance with statutory, regulatory, and ethical requirements
- Delivered an exceptional level of service to each customer by listening to concerns and answering questions
- Document information from customer calls and onsite service visits into the company's system using Word and Excel
- Assessed damage to properties, determined insurance coverage levels and restrictions by thoroughly examining claims forms and associated records.
Sr. Commercial Property Adjuster
UPC INSURANCE
07.2021 - 10.2022
- Handling of Commercial and Residential Property claims
- Framed investigations based on coverage limitations outlined in commercial claims forms and policy documentation
- Documented and communicated all claim activity quickly and efficiently
- Interviewed and corresponded with claimants and witnesses
- Ensure customer has a clear understanding of the entire claims process
- Maintained expert-level knowledge of Statutory insurance regulations, policies, procedures, and best practices
- Drafted statement of loss to summarize damages, payments, and underlying policy coverage
- Analyzed first reports of loss and underlying file material to determine if claim was suspect and determine coverage for Commercial property claims
- Exercised proper judgment and decision making to analyze claims exposure, determine proper action, and appropriately settle claims
- Processed claims consistent with client and corporate policies, procedures, and best practices while upholding compliance with statutory, regulatory, and ethical requirements
- Performed fact-finding and investigated Commercial property damage, recorded information, and transmitted information to accurately determine potential indemnities
- Examined claims forms and other records to determine insurance coverage
- Negotiated settlements for moderate and complex large loss Commercial claims up to $3,000,000.00
- Negotiated settlements for moderate and complex large loss Residential claims up to $1,000,000.00
- Review Pre-Litigation claim files to determine best course of action to move claim towards settlement and avoid litigation
- Negotiate settlement of Pre-Litigation claims with Public Adjusters and Attorneys to avoid litigation.
Sr. Commercial Property Adjuster
WESTERN NATIONAL INSURANCE/UMIALIK INSURANCE
05.2020 - 05.2021
- Handling of Inland Marine, Commercial & Residential Property claims
- Framed investigations based on coverage limitations outlined in commercial, residential, and inland marine claims forms and policy documentation
- Documented and communicated all claim activity quickly and efficiently
- Interviewed and corresponded with claimants and witnesses
- Ensure customer has a clear understanding of the entire claims process
- Maintained expert-level knowledge of Statutory insurance regulations, policies, procedures, and best practices
- Drafted statement of loss to summarize damages, payments, and underlying policy coverage
- Analyzed first reports of loss and underlying file material to determine if claim was suspect and determine coverage for Inland Marine, Commercial & Residential property claims
- Exercised proper judgment and decision making to analyze claims exposure, determine proper action, and appropriately settle claims
- Processed claims consistent with client and corporate policies, procedures, and best practices while upholding compliance with statutory, regulatory, and ethical requirements
- Performed fact-finding and investigated Inland Marine, Commercial and Residential property damage, recorded information, and transmitted information to accurately determine potential indemnities
- Examined claims forms and other records to determine insurance coverage
- Negotiated settlements for moderate and complex large loss Commercial, Residential, and Inland Marine claims up to $2,000,000.00
- Part of companies Claims Social Committee.
PROPERTY CLAIMS ADJUSTER
ALLSTATE INSURANCE
04.2016 - 04.2020
- .Handling of moderate to complex Large Loss Commercial & Residential Property Claims
- Documented and communicated all claim activity quickly and efficiently
- Framed investigations based on coverage limitations outlined in commercial and residential claims forms and policy documentation
- Ensure customer has a clear understanding of the entire claims process through verbal and written correspondences
- Assessed damage to properties, determined insurance coverage levels and restrictions by thoroughly examining claims forms and associated records
- Conducted secondary evaluations of original investigations documentation and reports to facilitate smooth resolutions. Investigated properties, documented damages, and created estimates outlining repair costs
- Promoted client retention through high-quality service and follow through pursued continuing education and training programs to continue professional development
- Delivered an exceptional level of service to each customer by listening to concerns and answering questions
- Was Property Adjuster on Allstate's RCPS Board (Root Cause Problem Solving).
Catastrophe Property Adjuster
Worley Catastrophe Response LLC
08.2012 - 12.2015
- Drafted statement of loss to summarize damages, payments, and underlying policy coverage
- Conducted interviews, gathered detailed information, and completed field investigations
- Managed case load of 100+ clients while deployed for CAT claims
- Reduced loss ratios through fair and prompt processing of claims
- Analyzed first reports of loss and underlying file material to determine if claim was suspect and determine coverage for commercial & residential property claims
- Complied with company and insurance client's guidelines in claims processes, estimate writing and the closing of claims
- Processed claims consistent with client and corporate policies, procedures, and best practices while upholding compliance with statutory, regulatory, and ethical requirements
- Delivered an exceptional level of service to each customer by listening to concerns and answering questions
- Document information from customer calls and onsite service visits into the company's system using Word and Excel
- Assessed damage to properties, determined insurance coverage levels and restrictions by thoroughly examining claims forms and associated records.
CEO
Total Resource Contracting, INC.
05.2003 - 08.2012
- Overseen everyday business operations for sales and production
- Managed approximately 50 employees and 25+ Subcontractors
- Conducted interviews, gathered detailed information, and completed field investigations
- Compiled P & L statements to maximize profitability
- Conducted weekly sales meetings and production meetings
- Trained salesman on ethics
- Compiled company and safety guidelines for sales, production, and office personnel
- Conducted weekly safety meetings
- Ensure customer satisfaction through reliable and upstanding service
- Draft estimates, material margin reports, weekly goals for production and safety protocols
- Assessed damage to properties, prepared estimates, conducted meetings w/ vendors and suppliers.
Education
HIGH SCHOOL DIPLOMA(GED) - College Preparatory
LOWDNES CO. HIGH SCHOOL
Valdosta GA06.1994
Skills
- Proficient with SettleAssist, Xactanalysis, Xactimate and Navigator
- Damage Assessment
- Caseload Management
- Insurance policy coverage knowledge
- Advanced oral and written communication skills
- NFIP Registered Adjuster
- Strong Customer Service Skills
- Analytical
- Strong Knowledge of Policies and Procedures
- Claims file Management
- Ensure claims handling meets or exceeds State and Carrier guidelines
- Claims Investigation
- 20 years in commercial and residential construction as General Contractor
- Best Practices Implementation
- Report Writing
Certification
- Certified NFIP Flood Adjuster with active FCN Card
- Xactimate Certified
- Carrier Certified with State Farm and USAA
- TWIA/TFPA Certified
- HAAG Wind & Hail Certified
Timeline
Catastrophe Property Independent Adjuster
Field Pros Direct, Griston Claim Solutions, Alacrity Solutions, Davies Group, Allied American, Johns Eastern
10.2022 - Current
Sr. Commercial Property Adjuster
UPC INSURANCE
07.2021 - 10.2022
Sr. Commercial Property Adjuster
WESTERN NATIONAL INSURANCE/UMIALIK INSURANCE
05.2020 - 05.2021
PROPERTY CLAIMS ADJUSTER
ALLSTATE INSURANCE
04.2016 - 04.2020
Catastrophe Property Adjuster
Worley Catastrophe Response LLC
08.2012 - 12.2015
CEO
Total Resource Contracting, INC.
05.2003 - 08.2012
HIGH SCHOOL DIPLOMA(GED) - College Preparatory
LOWDNES CO. HIGH SCHOOL
- Certified NFIP Flood Adjuster with active FCN Card
- Xactimate Certified
- Carrier Certified with State Farm and USAA
- TWIA/TFPA Certified
- HAAG Wind & Hail Certified
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