Summary
Overview
Work History
Education
Skills
Timeline
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Joanne A. Peroo

Tampa

Summary

I am an enthusiastic seeing a new adventure within the realm of claims. My years of hands-on experiences in litigation, specifically, Commercial General Liability and Commercial/Personal Auto brings a plethora of knowledge into this role as Commercial Auto Claims Specialist: 20 Years + of claim experience (Personal and Commercial Lines) Former Business Owner/Operator Mentor and Leader in different categories, within CGL and Commercial/Personal Auto Passionate and resourceful with innovative and new ideas, especially when it comes to being inclusive and diversified Analytical decision making, proficient with time management and organized Exceptional communication skills, both written and oral

Overview

27
27
years of professional experience

Work History

Litigation Claims Consultant

The Hartford Insurance
03.2021 - Current
  • Responsible for delivering superior customer service and successfully investigating, reserving, recommending, and implementing strategies to resolve claims consistent with corporate claim standards, policies and procedures and statutory, regulatory and ethics requirements
  • Partner with Staff Legal, panel and independent counsel to resolve General Liability cases including Premise Liability, Operations Claims, Product Liability, Professional Claims, Advertising Injury claims, Homeowner Liability, Employment Liability, Data Breach exposures and Commercial Non Owned Auto, including UM and UIM
  • Plan, recommend, reserve and execute file strategies including investigation, valuation, disposition and settlement of assigned claims, in a manner consistent with corporate claim settlement policies and procedures, and statutory, regulatory and ethics requirements
  • Properly assess the exposure of assigned claims
  • Plan and organize, establish priorities, anticipate issues, determine realistic completion dates, know and communicate the status of assignments, appropriately manage vendors
  • Develop advanced functional knowledge to appropriately interpret and apply insurance coverage
  • Develop technical and jurisdictional expertise
  • Maintain current knowledge of claim loss cost management initiatives, and utilize them appropriately and in a manner consistent with company practices and procedures
  • Identify and properly mitigation, subrogation, and other recovery opportunities
  • Assisting Team Leader with Huddles and Floor walk for Q & A Sessions and Peers
  • Support and help create a team environment that celebrates diversity and inclusion
  • Mentor individuals within the litigation and core workspace
  • Support and assist in building a high performing team with diverse characteristics, where individual differences are valued
  • Build appropriate rapport and constructive and effective relationships with people inside and outside the organization
  • Collaborate meetings with Counsel, Coverage Counsel, Manager, Claims AVP, Home Office Consultants, Major Case Unit when appropriate
  • Utilize verbal and numerical critical thinking skills to gather information, apply sound reasoning and draw appropriate conclusions; make sound decisions based upon mixture of analysis, experience and judgment
  • Accurately resolve complex coverage and compensability issues
  • Possess the ability to investigate, evaluate and negotiate highly complex claims to appropriate disposition
  • Possess superior analytical and critical thinking skills; expert knowledge of complex medical terms, excellent time management abilities
  • Possess the advanced technical knowledge to properly reserve highly complex claims
  • Properly apply statutory laws and regulations of applicable jurisdiction
  • Demonstrate advanced expertise to utilize claim management practices to effectively manage loss costs
  • Expertly contribute to loss cost management by recognizing potential for Subrogation and Special Investigation
  • Customer Service
  • Maintain dedication to meeting or exceeding expectations and requirements of internal and external customers
  • Obtain first-hand customer information; use it for improvements in products and services
  • Establish and maintain effective relationships with customers, gaining their trust and respect
  • Demonstrate diplomacy and tact to effectively avoid or diffuse high-tension situations

Senior Claims Adjuster & Analysis/Owner Operator

Li`Aise Services LLC
10.2017 - 01.2021
  • Small Business Owner/Operator/Manager/Self Employed Adjuster (IA)
  • Coordinate claim handling as needed for desk adjusters on litigated and non-litigated claims for both CGL, Commercial Auto and Personal Auto lines of coverage
  • Strategic liability and coverage decisions and reserve recommendations
  • Provide superior customer services to all parties
  • Provide complete investigations, including statements, scene investigations, secure public records, 911 calls, police report, fire reports, medical examiner's report, social media searches
  • Adjust property damage and bodily injury claims for commercial and personal claims in a timely manner
  • Compose needed letters, including releases upon settlement(s), and detailed reports
  • Attend trials and mediations
  • Recommend attorneys and experts, as needed
  • Provide Venue Researches
  • Respond and file Arbitration as needed

Senior Field Adjuster and Trainer

Sierra Claim Services
01.2016 - 10.2017
  • Exclusive field investigation upon requests
  • Third Party Administrator for out of state insurance carriers
  • Assist with training and developing of forms, letters, reports and claim process
  • Negotiate settlements and met with claimants/plaintiffs for release signing or total loss relinquishment (title & needed DMV forms)
  • Reserve recommendations on both property and bodily injury exposures
  • Address multiple compete claims and arrangements for global mediations
  • Communicate with Adjusters, Defense Counsel, Plaintiff's Counsel and Management as needed

Senior Claims Resolution Specialist III/ Supervise/Mentor/Trainer

Liberty Mutual Insurance Co
01.2013 - 12.2015
  • Analyze Coverage, Contracts, Sub-Contracts, Liability, Case Laws and Statutes
  • Adjust complex claims on a daily basis, both commercial and personal lines
  • Investigate catastrophic injury and soft tissue injury claims from initial stages to resolution
  • Assist with training and development process for litigation and non-litigation matters
  • Hire Counsel for Litigation matters and retain necessary Experts as needed
  • Notify Agents, Underwriters, Excess/Umbrella carriers and Third Parties of exposures and risks
  • Negotiate claims at earliest opportunity
  • Develop and implement strategies for quality outcome
  • Attend Examinations Under Oath, Depositions, Jury selections, Trials and Mediations

Senior Claims Examiner/Senior Claims Examiner/ CAT/ Litigation Adjuster

Progressive Insurance Co
04.2004 - 01.2013
  • Evaluate complex bodily injury claims for Large Loss Unit/Litigation
  • Analyze Policy/Contract Coverage while planning and conducting investigation(s)
  • Determine Liability, Compensability, and Damages
  • Recommend and post reserves, including expenses
  • Maintain accurate records and handle administrative responsibilities associated with processing and payment of claims
  • Communicate with Policy Holders, Attorneys, Police Officers, Investigators, Medical Examiner's Office, Management and other Outside Vendors/Experts
  • Determine recommendations for experts: Estate Attorneys, Cause and Origin Experts, Economics Experts, Independent Adjusting firms
  • Evaluate claims for potential fraud

Casualty Field Adjuster

One Beacon Insurance Co
01.1998 - 01.2004
  • Adjust products liability and CGL claims
  • Evaluate and analyze Self Insured Retention (SIR) claims
  • Conduct investigation for a team of Adjusters and Defense Counsel
  • Secure statements from witnesses, claimants and insureds
  • Trial preparations
  • Court research for next to kin and surviving relatives
  • Attend Arbitration on a weekly basis
  • Secure signed medical authorizations and medical records
  • Secure public housing records and request expert opinion
  • Met with Insurance Agents Assist with developing a Mentor /Mentee system

Education

Bachelor of Arts - Business Communication

University of Phoenix
Tempe, AZ

Skills

  • 20 Years of claim experience (Personal and Commercial Lines)
  • Former Business Owner/Operator
  • Mentor and Leader in different categories, within CGL and Commercial/Personal Auto
  • Passionate and resourceful with innovative and new ideas, especially when it comes to being inclusive and diversified
  • Analytical decision making, proficient with time management and organized
  • Exceptional communication skills, both written and oral

Timeline

Litigation Claims Consultant

The Hartford Insurance
03.2021 - Current

Senior Claims Adjuster & Analysis/Owner Operator

Li`Aise Services LLC
10.2017 - 01.2021

Senior Field Adjuster and Trainer

Sierra Claim Services
01.2016 - 10.2017

Senior Claims Resolution Specialist III/ Supervise/Mentor/Trainer

Liberty Mutual Insurance Co
01.2013 - 12.2015

Senior Claims Examiner/Senior Claims Examiner/ CAT/ Litigation Adjuster

Progressive Insurance Co
04.2004 - 01.2013

Casualty Field Adjuster

One Beacon Insurance Co
01.1998 - 01.2004

Bachelor of Arts - Business Communication

University of Phoenix

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Joanne A. Peroo