Heather Harden
Summary
Equipped with strong problem-solving abilities, a willingness to learn, and excellent communication skills, poised to contribute to team success and achieve positive results. Demonstrates competence, loyalty, and hardworking attitude in tackling tasks effectively. Quick learner and adaptable to any job, making well-suited for exploring various areas of the insurance industry. Recognized multiple times as a top closer in the property and casualty claims department, taking great pride in this achievement. Continuously staying on top of education to expand knowledge and become more versatile within the insurance industry.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Property Claims Adjuster
Pilot Catastrophe Services
10.2024 - 11.2024
- Review claim and coverage
- Used Guildewire, Xactanalysis systems, and Microsoft software.
- Verifying information in the claim file- insured(s) name, cause of loss, loss location, risk and mailing address, name of firm representing (if any), date of loss, policy number, policy type, form and applicable endorsements, mortgage/lienholders, deductible and policy limits,coverage, prior claims.
- Contacting policyholder(s) or representative.
- Assign field adjuster and follow up.
- Set reserves
- Assisted homeowners by coordinating vendor services, emergency repair, cleaning and contractors.
- Issue payments
- Negotiated claim settlements and recommended litigation when claims could not be settled.
- Coordinated and managed field investigations, outside engineers, contractors and cause and origin experts.
- Developed and maintained working relationships with independent adjusters and contractors to assist in prompt claims handling.
- Conducted day-to-day administrative tasks to maintain information files and process paperwork.
- Delivered exceptional customer service to policyholders by communicating important information and patiently listening to issues.
Property Claims Adjuster
CNC Catastrophe & National Claims
01.2022 - 05.2023
- I worked CAT and daily claims for Velocity Insurance and I also worked CAT claims for People's Trust Insurance.
- Worked different types of claims from intermediate claims to complex claims
- Followed the best practices and procedures of CNC and comply with legal and ethical standards.
- Accessed my emails and voicemail while providing quick responses.
- Communicated with policyholders, public adjusters, vendors, attorneys, field adjusters, and necessary parties.
- Researched policy language
- Used systems in Microsoft software and in Xactanalysis, Xactcontents, Xactimate, and Citrix.
- Made payments, performed audits, and set reserves.
- Letter writing.
- Accurately note the claim
- I uploaded files, convert files from word to pdf or separate out photos from the reports
- Attended meetings, workshops, and continuing education classes
- Negotiated claim settlements and recommended litigation when claims could not be settled.
- Exercised proper judgment and decision making to analyze over 10-20 claims per week.
- Investigated claims by reviewing policy contracts to determine claim coverage based on cause and facts of loss.
- Coordinated and managed field investigations, outside engineers, contractors and cause and origin experts.
- Clarified coverage of losses to policyholders and provided assistance in itemizing damages and finding alternative living arrangements.
- Assisted homeowners by coordinating vendor services, emergency repair, cleaning and contractors.
Property Claims Adjuster
State Farm
09.2021 - 11.2021
- CAT claims for State Farm
- Reviewed new files to determine current status of property claim and developed a plan of action.
- Followed up with insured individuals regarding premium and deductible payments.
- Performed live scopes through video calls, and I would take pictures and measurements
- Determine COL and proceed forward with coverage
- Assigned field adjusters to the residence.
- Used correct templates for letter writing such as no contact, denial, coverage letter,
- Completing daily tasks
- Made payments and set reserves
- Use of Microsoft software
- I made sure all information in the claim was correctly noted and all tasks were completed within the file before closing.
- I practiced time management and worked through my claims efficiently
Independent Adjuster Helper
Matt McDaniel
11.2012 - 12.2012
- Performed admin duties for the adjuster.
- Communicated with policyholder to schedule an appointment for the adjuster to come out and inspect.
- Traveled to on-site locations of loss on scheduled or sudden notice, addressing phone-recorded statements, securing photos and measurements and assisted documenting scope of property damage.
- Kept electronic claim files properly documented with accurate, clear and timely information and reports reflecting adjustment activities and substantiating any payments made.
- Maintained claims data in Microsoft systems,while also accessing and updating spreadsheets to keep up with claim activity.
Education
High School Diploma -
Good Shepard Academy
05-2004
Bishop State Community College
Mobile, ALSkills
- Phone Etiquette
- Customer Service
- Computer skills
- Claims investigation
- Multitasking and organization
- Problem-solving
- Casualty and property loss
- Claims Handling
- Policy interpretation
- Highly motivated
- Best practices implementation
- Claims file documentation
Certification
- NFIP- 2025 Adjuster Presentation (6 hour) - FEMA Coming Soon- February 25, 2025.
- Pilot's- California Earthquake Certification- Completed
- Pilot's California fair Claims Certification- Completed 0
- Certificate of completion All State Auto Adjusting, All State Auto Knowledge, All State how to handle advance charges, GOAT steep Assist, All state Service Skills, as well as 3 days of Inside Adjuster Academy Certification. July and August of 2024 Successfully completed- certificate
- CNC- Commercial Loss Training Issued 07/16/2024- Successfully completed- Certificate
- AdjusterPro - Navigating Ocean and Inland Marine Insurance, Certificate, 03/31/24
- State Farm - Various Certifications, 2021
- State Farm - SF Auto Certification, SF Estimatics, SF policy - Successfully Completed- Certificate
Licenses
NIPR - INSURANCE, TEXAS DEPARTMENT OF
- Issued Aug 2022 - Expires Oct 2026 2890397
NIPR - North Carolina Department of Insurance
- Issued Sep 2022 - Expires Mar 2024 NPN- 19973864
NIPR - DEPARTMENT OF INSURANCE FOR STATE OF KENTUCKY
- Issued Nov 2021 - Expires Oct 2025 DOI-1170036
NIPR - Arkansas Insurance Department
- Issued Nov 2021 - Expires Oct 2025 NPN19973864
Department of Florida Financial Services
- Issued Jun 2021 - Expires Oct 2025 W757911
Timeline
Property Claims Adjuster
Pilot Catastrophe Services
10.2024 - 11.2024
Property Claims Adjuster
CNC Catastrophe & National Claims
01.2022 - 05.2023
Property Claims Adjuster
State Farm
09.2021 - 11.2021
Independent Adjuster Helper
Matt McDaniel
11.2012 - 12.2012
High School Diploma -
Good Shepard Academy
Bishop State Community College
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