John Messenger

• Handle all aspects of a claim: From start to finish, including investigating the cause of the loss or damage and determining if an event was accidental or not.
• Interview claimants and witnesses: Assess injuries, determine liability, and evaluate unrepresented bodily injury claims.
• Document the claims process: Keep claim files up-to-date and collaborate with legal counsel on claims when necessary.
• Process total loss settlements from start to finish
• Attention to detail, analytical skills, and strong communication abilities.
• Maintain professionalism in challenging situations and interact with policyholders.
• Examined claims forms and other records to determine insurance coverage.
• Answered customer questions regarding deductibles.
• Improved claim resolution times by efficiently managing a caseload of 180+ claims per month.
• Prepared summaries of damage, payments, and policy coverage.
• Reviewed police reports, medical treatment records, and physical property damage to determine extent of liability.
• Negotiated with policyholders and claimants to reach mutually satisfactory resolutions.
• Conducted comprehensive interviews of witnesses and claimants to gather facts and information.
• Maintained compliance with state regulatory requirements through meticulous documentation and adherence to company policies.
• Evaluated coverage accurately by interpreting complex insurance policies and applying them to specific claim scenarios.
• Provided exceptional customer service, addressing concerns, and answering questions.
• Facilitated smooth transitions for policyholders during the claim process by liaising between various departments, ensuring all parties were informed and engaged.
• Achieved cost savings through successful subrogation efforts, recovering funds from responsible parties in various claims scenarios.
• Identified potential fraud indicators early in the investigation process, protecting company assets from potential losses due to fraudulent activity.
• Provided exceptional customer service during emotionally difficult situations for policyholders following accidents maintained a perfect 100% customer satisfaction score.
• Researched claims and incident information to deliver solutions and resolve problems.
• Read over insurance policies to ascertain levels of coverage and determine whether claims would receive approvals or denials.
• Delivered exceptional customer service to policyholders by communicating important information and patiently listening to issues.
• Analyzed information gathered by investigation and reported findings and recommendations.
• Followed up with insured individuals regarding premium and deductibles payments.
• Identified suspicious losses and contacted manager for investigative assistance.
• Provided exceptional customer service, addressing concerns, and answering questions promptly.
• Verified insurance claims and determined fair amount for settlement.
• Attended industry conferences and workshops to stay current on trends and developments within the field of claims adjusting.
• Developed strong relationships with repair vendors, ensuring quality service and fair pricing for clients in need of repairs after an incident.
• Provided exceptional customer service during emotionally difficult situations for policyholders following accidents or natural disasters.
• Contributed to a positive work environment through active participation in team meetings and collaborating on cross-functional projects.
• Negotiated favorable settlements with claimants, attorneys, and other insurance carriers to minimize financial risk for the company.
• Achieved high customer satisfaction ratings by providing clear and timely communication throughout the claims process.
• Identified insurance coverage limitations with thorough examinations of claims documentation and related records.
• Conducted day-to-day administrative tasks to maintain information files and process paperwork.

• Optimized claims management by reducing claim resolution times through efficient handling of a caseload exceeding 20 - 50+ claims per month, ensuring timely and accurate settlements while managing 345 total Future medical claims.
• Claim closing ratio of 418% for third quarter of 2024.
• Conducted thorough reviews of claims forms, policies, and medical documentation to assess coverage and liability.
• Delivered exceptional customer service by promptly addressing inquiries about claims status,
• Ensured compliance with state regulations by maintaining meticulous documentation and adhering to company policies, passing audits with 100% compliance
• Collaborated with cross-functional teams on complex cases, contributing to process improvements and a more cohesive work environment
• Stayed ahead of industry trends by attending conferences and workshops, incorporating new knowledge into daily practices and improving team efficiency
• Maintained and updated claims data using the IVOS system, ensuring efficient claims processing and reducing administrative errors.

• Revitalized an underperforming department by reducing response time from 30 days to under 48 hours; streamlined claims adjudication from 2–12 months down to 45 days
• Championed valuation claims process by providing expert guidance and fostering trust with clients during challenging claim situations
• Managed high-volume claims inventory with timely, accurate processing and rebuttal feedback, ensuring compliance with all contractual, military, civilian, and regulatory requirements
• Monitored and analyzed productivity and accuracy metrics to ensure claim adjudication met departmental goals for timeliness and quality
• Collaborated with cross-functional teams to improve departmental efficiency and reduce adjudication errors
• Reviewed and resolved complex claims issues, including delays and denials; approved awards and payments within company and client guidelines

Reduced permit submittal time from 1–6 months to 48 hours in underperforming department

• Resolved year-long inspection backlog within 6 months
• Increased monthly sales appointments from 20 to 46 in CEAS role
• Prepared and submitted permit packages; ensured timely approval and retrieval
• Collaborated with jurisdictions and engineers to resolve redlines and meet changing requirements
• Coordinated inspections and ensured milestone completion for operational readiness
• Managed permit fee collection and reimbursement
• Qualified leads and scheduled appointments for solar and energy storage sales

• Collaborated with COO & I.T. Department to streamline Salesforce CRM system to work seamlessly and effortless Permit submittals with AHJ Websites.
• Prepare, draft, and compile permit packages for 36 different AHJ's, Authority Having Jurisdiction
• Responsible for all permit follow-up, completion, and delivery.
• Communicated project status to client
• Record and code accounting details for all charges and checks related to permits and file any documents
• Stayed up-to-date on California laws and licensing requirements to complete accurate and efficient permits

• Applies strategic and analytical thought-process when assessing bond requests for up to $1 million
• Negotiated terms and conditions of payment to maximize profit margins and protect against loss
• Achieved 100% audit scores from Department of Insurance for following reporting and documentation regulations
• Determined financial needs by assessing existing coverage and aligning new products and services with long-term goals

• Coordinated all underwriting functions for standard and substandard applications reviews performed at 100% accuracy
• Interviewed clients, examined applications, deeds, contracts and financial statements to qualify and protected profit margins
• Mitigated company risk by rejecting applications when requirements were not furnished, RNF, or if risk is not acceptable, RNA
• Performed all processes and posted bonds to court, providing prompt jail release for defendants
• Complied with all financial aid guidelines and regulations, including state and federal requirements