Hi, I’m
Cheyenne Soto
Celina,TX
Summary
Detailed Oriented Property Adjuster (licensed) with several years of comprehensive experience investigating claims and determining correct amount of compensation for each case. Expertise in evaluating evidence such as photos and recordings to determine extent of damage. Proficient in calculating depreciation factors and replacement costs.
Overview
10
years of professional experience
1
Certification
Work History
National General Insurance Company
Inside Property Adjuster II
05.2023 - Current
Job overview
- Established trust with insured clients by demonstrating empathy and understanding throughout the entire claim process, fostering long-term customer loyalty to the company.
- Conducted site visits to accurately assess property damage, utilizing strong attention to detail when documenting findings for claim evaluations.
- Handled catastrophe claims efficiently, assisting affected communities by quickly assessing damages and processing claims after natural disasters.
- Developed strong relationships with contractors, ensuring high-quality workmanship during repair and restoration projects.
- Collaborated with legal teams to defend company interests in litigation, minimizing financial losses stemming from disputed claims.
- Carefully reviewed claim information to verify accuracy and avert fraudulent claims.
- Investigated claims by reviewing policy contracts to determine claim coverage based on cause and facts of loss.
- Used Xactimate to compile estimates for personal property and structure damage.
- Prepared sketch of floor plan and roofline and entered data into Xactimate to develop line-by-line item costs of damages.
- Clarified coverage of losses to policyholders and provided assistance in itemizing damages and finding alternative living arrangements.
- Establish coverage reserves within Department of Insurance requirements (21 days).
- Ensure all state required letters and documents are provided within required timeframes (i.e. settlement letters, partial denials, full denials, acknowledgment letters and etc) to include the state of California.
- Complete initial contact within the first 24 hours of first notice of loss.
- Responsible for handling the following perils: fire, water, smoke, hail, wind, lightning, power surge and boat.
- Handled moderate to complex damage.
- Review and process all supplements in a timely manner and provide update on review status.
- Reduced backlog of pending claims by prioritizing workloads and efficiently managing time-sensitive tasks.
- Achieved timely closures of assigned cases by setting realistic expectations for clients regarding the claims process duration.
- Assisted homeowners by coordinating vendor services, emergency repair, cleaning and contractors.
- Investigated and assessed damage to property and reviewed property damage estimates.
- Negotiated with policyholders and claimants to reach mutually satisfactory resolutions to include appraisal.
- Prepared summaries of damage, payments, and policy coverage.
- Identified fraudulent activities through careful review of documents, interviews, and investigation techniques that safeguarded company assets from unwarranted payouts.
Liberty Mutual
Catastrophe Claims Adjuster
05.2021 - 05.2023
Job overview
- Leveraged technical expertise to accurately estimate repair costs using industry-standard software applications like Xactimate or Symbility.
- Proactively managed workload during high-volume catastrophe events, prioritizing urgent cases for prompt attention.
- Maintained detailed records of all claims handled, resulting in accurate reporting and data analysis for management review.
- Supported regional catastrophe response teams as needed, demonstrating flexibility in adapting to diverse work environments across multiple states or territories.
- Increased policyholder retention by providing exceptional customer service during the claims process.
- Assisted in training new adjusters, sharing industry knowledge and best practices to enhance team performance.
- Identified subrogation opportunities through careful investigation of loss circumstances, maximizing recovery efforts for the insurer.
- Managed catastrophe claims caseload for timely resolution, ensuring client satisfaction and maintaining company reputation.
- Navigated complex multi-party losses with diplomacy, resolving conflicts and facilitating fair settlements.
- Negotiated fair settlements with contractors, public adjusters, and attorneys to resolve disputed claims amicably.
- Read over insurance policies to ascertain levels of coverage and determine whether claims would receive approvals or denials.
- Analyzed information gathered by investigation and reported findings and recommendations.
- Negotiated rebuild, mitigation, additional living and personal contents settlement agreements to resolve disputes.
- Assisted homeowners by coordinating vendor services, emergency repair, cleaning and contractors.
- Maintained contact with insureds, claimants, attorneys and public adjusters to determine indemnification status.
GEICO, Government Employees Insurance
Auto Claims Adjuster
09.2019 - 05.2021
Job overview
- Acted as a reliable point of contact for customers throughout the claims process, addressing their concerns with empathy and professionalism.
- Demonstrated expert knowledge of auto insurance policies and coverages, allowing for accurate assessment of damages and appropriate claim payouts.
- Documented all findings in concise reports.
- Enhanced customer satisfaction by efficiently managing auto claims and providing prompt resolutions.
- Issued payouts to claimants.
- Negotiated with claimants to settle claims.
- Assisted clients with navigating complex insurance policies, ensuring they understood the extent of their coverage and benefits available to them during the claims process.
- Maintained strong relationships with key stakeholders such as adjusters, agents, repair facilities, medical providers, and legal representatives for seamless collaboration throughout the claims process.
- Managed a high volume caseload without sacrificing quality or timeliness in delivering resolutions to clients'' auto accident-related issues.
- Examined photographs and surveillance and any other documents relating to claims.
- Managed portfolio of claims from initiation to closure, ensuring all customer interactions were handled professionally.
- Achieved significant reductions in processing errors through meticulous attention to detail in claims documentation.
- Negotiated settlements with claimants and repair facilities to control costs while maintaining high levels of customer satisfaction.
- Assessed complex claims and accurately determined value of damages.
- Coordinated with local body shops to assign repair jobs and obtained rental vehicles for customers for duration of restoration process.
- Carried and managed consistently heavy project workload through exemplary organizational, time management and collaboration talents.
- Strengthened relationships with repair vendors, ensuring quality repairs at competitive prices.
- Resolved complex claims efficiently, leveraging extensive knowledge of auto insurance policies and coverage.
Sedgwick County Sheriffs Office
Deputy Sheriff
10.2014 - 12.2020
Job overview
- Responded to emergencies by coordinating with first responders and providing assistance.
- Conducted investigations by gathering evidence and interviewing witnesses.
- Organized community outreach programs to promote safety and crime prevention.
- Investigated accidents by assessing scenes and gathering witness statements.
- Handled high-pressure situations calmly and professionally, minimizing risks to public safety.
- Collaborated with other law enforcement agencies for joint operations, resulting in improved efficiency and effectiveness.
- Assisted in the training of new deputies, sharing knowledge and experiences to help them excel in their roles.
- Investigated incidents and crimes, collected evidence, and recorded witness statements.
- Observed jail and inmate activity to maintain order and safety.
- Reduced criminal activity through diligent surveillance, proactive policing, and collaboration with local businesses and residents.
- Utilized advanced technology tools for efficient information gathering during investigations and daily operations.
- Facilitated inter-departmental training sessions, sharing best practices and enhancing collaborative efforts.
- Improved public trust with community policing initiatives, fostering positive relationships between sheriff's department and local residents.
- Reviewed and updated departmental policies, aligning procedures with current legal standards and best practices.
- Negotiated peaceful resolutions during conflict situations, minimizing need for force and reducing community tensions.
- Conducted searches of individuals, vehicles and premises.
- Utilized clear communication and interpersonal skills to build relationships with citizens.
- Provided testimony in court proceedings.
- Built excellent rapport and working relationship with community to build trust and improve upon communication.
- Performed rescue functions at accidents, emergencies and disasters by directing traffic and administering emergency medical aid.
- Participated in continuous firearms proficiency, defensive driving and arrest technique training.
- Reduced response times to emergency calls by optimizing patrol routes and strategies.
- Oversaw inmate transport to court hearings, maintaining strict security protocols to prevent escape attempts.
- Conducted detailed interviews with victims, witnesses, and suspects, gathering crucial information for case investigations.
Education
Wichita State UniversityWichita, KS
Bachelor of Science
University Overview
- 3.89 GPA
Wichita Heights High SchoolWichita, KS
High School Diploma
04-2013
University Overview
- Extracurricular Activities: Track, volleyball, basketball, choir, band, circle of friends (working with children with autism)
- Wichita ICT Elite and Venture Kids Member
- Elected Captain of Varsity volleyball team both junior and senior year
Skills
- Estimating repair costs
- Policy Analysis Expertise
- Damage Assessment Expertise
- Claims investigation
- Attention to detail
- Time management
- Critical thinking
- Computer literacy
- Coverage determination
- Casualty and property loss
- Fraud detection
Certification
- Ethics and Compliance Certification – Ethical Compliance Training Programs.
- Certified Risk Manager (CRM) - The National Alliance for Insurance Education & Research.
- Adjuster License #2462926 - Continuing Education courses successfully completed.
Timeline
Inside Property Adjuster II
National General Insurance Company
05.2023 - Current
Catastrophe Claims Adjuster
Liberty Mutual
05.2021 - 05.2023
Auto Claims Adjuster
GEICO, Government Employees Insurance
09.2019 - 05.2021
Deputy Sheriff
Sedgwick County Sheriffs Office
10.2014 - 12.2020
- Ethics and Compliance Certification – Ethical Compliance Training Programs.
- Certified Risk Manager (CRM) - The National Alliance for Insurance Education & Research.
- Adjuster License #2462926 - Continuing Education courses successfully completed.
Wichita State University
Bachelor of Science
Wichita Heights High School
High School Diploma
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