Clinton Smith
Kissimmee,FL
Summary
Organized and motivated employee eager to apply time management and organizational skills in various environments. Comprehensive knowledge of claims adjustments with special knowledge of inside and outside All Lines adjusting experience with Xactanylsis/Xactimate, CCC One/Mitchell software platforms.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Independent Property Claims Adjuster
Pilot Catastrophe Services
Tampa, FL
04.2023 - Current
- Corresponded with policyholders via phone or email concerning their claims.
- Explained loss coverage, assisted policyholders with itemizing damages and coordinated alternative living arrangements.
- Coordinated emergency repair, cleaning companies and contractors to optimize customer claim handling.
- Delivered exceptional customer service to clients by communicating information and actively listening to concerns.
- Provided training sessions for new staff members on proper procedures for adjusting claims.
- Investigated and documented property damage claims to determine the extent of insurance company's liability.
- Researched building codes and local ordinances to ensure compliance during repairs.
- Analyzed policy language to determine coverage availability or exclusion of losses.
Litigation Specialist
Alacrity Claims Solutions
Tampa, FL
05.2022 - 04.2023
- Investigated, analyzed and evaluated complex insurance claims for companies that have gone insolvent; and the 3rd party non-profit organization in Florida, USA.
- Investigated, analyzed and evaluated complex insurance claims to determine coverage and liability.
- Reviewed policy language to determine applicable coverages and exclusions.
- Researched building codes and local ordinances as they relate to a particular claim.
- Assisted with litigation management by coordinating with attorneys on legal issues associated with claims settlement.
- Negotiated settlements for property losses utilizing creative solutions that met both parties' needs.
- Analyzed complex construction contracts and change orders to ensure proper payment according to contractual obligations.
- Coordinated with stakeholders to ensure successful implementation of mitigation plans.
Catastrophe Claims Adjuster
Pilot Catastrophe Services
Mobile, AL
09.2021 - 05.2022
- Adhered to Allstate Insurance company and insurance client's guidelines in claims processes, estimate writing and claim closures.
- Handled hurricane Ida storm claims for several states of the United States of America from start to finish and evaluating if the automobiles qualified for expedited total loss handling.
- Recommended settlement offers and negotiated payment arrangements.
- Drafted statement of loss to summarize damages, payments and underlying policy coverage.
- Complied with company and insurance client's guidelines in claims processes, estimate writing and closing of claims, resulting in CCC One.
- Reduced loss ratios through fair and prompt processing of claims.
- Mentored eight new members of claims staff in proper procedures.
- Conducted claim and estimate re-inspections.
Claims Examiner
The Best Claims Solutions
St. Petersburg, FL
09.2017 - 09.2021
- Handled inside property residential claims for ASI/Progressive Insurance after initial inspection completion by field independent adjuster doing hurricane Irma and Harvey in the Florida and Texas regions.
- Issued payments to insured for covered claims with partial or full denial letters adhering to multiple states requirements i.e., Assignment of Benefits and Florida Mediation Letters.
- Provided quality customer service to assigned, insured and claimants throughout claims process to deliver timely service to customers.
- Assessed policy coverage and pulled contracts for review.
- Assessed damage to properties.
- Verified details with policyholders and requested additional information.
- Determined proper course of action and appropriately settled 20 claims weekly.
- Detailed coverage, liability and reasons for denial of claims to policyholders, attorneys and third-party providers.
Workers' Compensation Coordinator
Chubb Group of Insurance Companies
Richmond, VA
02.2014 - 09.2017
- Third party administrator for multiple employers through the United States of America and Overseas for foreign countries as a workers' compensation program covering injured employees.
- Reviewed compensation program and developed short- and long-term plans to increase efficiency and employee satisfaction.
- Offered subject matter expertise on employment regulations, compensation policies and personnel management procedures to optimize internal structures.
- Demonstrated self-reliance by meeting and exceeding workflow needs.
- Demonstrated leadership by making improvements to work processes and helping to train others.
- Improved operations by working with team members and customers to find workable solutions.
Property Field Adjuster
Nationwide Insurance Company
Richmond, VA
02.2012 - 02.2014
- Provided quality customer service to assigned, insured and claimants throughout claims process to deliver timely service to customers.
- Assessed policy coverage and pulled contracts for review.
- Assessed damage to properties.
- Determined proper course of action and appropriately settled twenty claims weekly.
- Adhered to company and insurance client's guidelines in claims processes, estimate writing and claim closures.
- Traveled to customer sites to evaluate fallen trees, leaking roofs and other issues to create accurate cost estimations.
- Evaluated and Identified subrogation potential for each claim handled.
Casualty Claims Specialist
Nationwide Insurance Company
Richmond, VA
03.2010 - 02.2012
- Communicated with many team members, policyholders, claimants and witnesses by telephone, email and written correspondence to gather facts of loss to aid in claim resolution.
- Determined cause and extent of damages by investigating claims with underwriters and insurance agents in field.
- Provided customer support to members, providers, billing departments and other insurance agency's regarding claims, appeals and eligibility.
- Maintained quality standards by reviewing claims while working off project list.
- Reviewed and adjusts auto claims by claim processing best claim practices guidelines.
- Performed investigations, evaluated, negotiated and settled total loss auto claims in collaboration with customers, auto body shops and service providers.
- Evaluated claims for possible fraud, contacting appropriate department for assistance and further investigation.
- Visited policyholders to investigate vehicle damage occurring during wide-spread catastrophes and natural disasters.
Education
Master of Arts - Public Administration And Services
University of Virginia
Charlottesville, VA05.2017
Bachelor of Science - Business Administration And Management
Virginia State University
Petersburg, VA05.2003
Skills
- Onsite evaluation
- All lines claim expertise
- Insurance fraud expertise
- Policy analysis
- Property adjusting
- Xactimate specialist
- Rules of evidence
- Customer service and support
- Claims file management processes
- Building construction knowledge
- Workers' compensation claims
- Problem resolution
- File management
Languages
English
Native/ Bilingual
Spanish
Professional
German
Professional
Certification
- IICRC Water Damage Restoration Certification 2024
- State Farm Auto Certification - 2022
- Tower Hill Certification - 2022
- Liberty Mutual Certification - 2022
- USAA Auto Certification - 2022
- TWIA & TFPA Certification - 2022
- Associate In Claims Designation- The Institutes.Org - 2022
- State Farm Estimatics Certification - 2017
- State Farm Policy Certification - 2017
- State Farm Wind/Hail Certification - 2017
Timeline
Independent Property Claims Adjuster
Pilot Catastrophe Services
04.2023 - Current
Litigation Specialist
Alacrity Claims Solutions
05.2022 - 04.2023
Catastrophe Claims Adjuster
Pilot Catastrophe Services
09.2021 - 05.2022
Claims Examiner
The Best Claims Solutions
09.2017 - 09.2021
Workers' Compensation Coordinator
Chubb Group of Insurance Companies
02.2014 - 09.2017
Property Field Adjuster
Nationwide Insurance Company
02.2012 - 02.2014
Casualty Claims Specialist
Nationwide Insurance Company
03.2010 - 02.2012
Master of Arts - Public Administration And Services
University of Virginia
Bachelor of Science - Business Administration And Management
Virginia State University
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