Jose Chavez
Des Moines,IA
Overview
11
11
years of professional experience
Work History
Senior Claims Representative
Society Insurance
Des Moines, Iowa
01.2025 - Current
- Settle large and complex claims by determining insurance carrier’s liability.
- Handle mediations, arbitrations, and subrogation within authority level.
- Determine coverage by meeting with insureds, securing evidence, inspecting losses, investigating incidents, interpreting and explaining policy coverage, and determining subrogation.
- Document repairs by scoping losses, hiring experts, preparing estimates, and reviewing exposures.
- Complete claims by obtaining, providing, and exchanging information with relevant third parties.
- Prepares reports by collecting, analyzing, and summarizing claim information.
- Manage litigated files and recommends litigation by analyzing negotiated settlement options and evaluating evidence.
- Resolve litigated claims by referring cases to attorneys, analyzing state statutes, evaluating evidence, and working with the attorneys in developing strategy for resolution of the case.
Senior Resolution Manager
Gallagher Bassett Claims Services
Des Moines, Iowa
05.2023 - 10.2024
- Handle claims consistent with clients' and corporate policies, procedures, and standard methodologies in accordance with statutory, regulatory, and ethics requirements.
- Investigate, evaluate, and resolve complex General Liability and Auto Liability claims, applying your claims experience and analytical skills to make informed decisions and bring claims to resolution.
- Work in partnership with our clients to deliver innovative solutions and enhance the claims management process.
- Think critically, solve problems, plan, and prioritize activities to optimally serve clients.
Claims Examiner
LOWE'S HOME IMPROVEMENT CENTERS
Des Moines, IA
08.2022 - 04.2023
- Reviewed new claims assigned for proper loss coding and coverage.
- Determined liability of assigned claims by taking statements from employees, installers and claimants and closed files in a timely matter.
- Made same day contact with customers and claimants, obtaining facts of loss, and developing action plan.
- Tendered select claims based on company guidelines, ensuring successful risk transfer and handling.
- Proactive approach on assigned claims, bringing files to a conclusion or settlement.
- Maintained updated documents and file notes, accurately reflecting all claim handling activity.
Claims Adjuster
STATE AUTO INSURANCE COMPANY
West Des Moines, IA
08.2021 - 08.2022
- Managed all new and pending first and third-party auto claims.
- Determined policy status and reviewed coverage on assigned claims.
- Settled claims on time and efficiently, delivering exceptional customer service and excelling across company metrics.
- Contacted policyholders, claimants, and other parties involved in loss incident, promptly setting expectations, and developing an action plan on initial exposure assignment.
- Conducted investigations, determining coverage, liability, and damages.
- Ensured regular and timely follow ups were made on assigned exposures, bringing files to a timely conclusion while keeping customer informed throughout life of the claim.
- Maintained electronic records, accurately and thoroughly documenting all handling activity.
Claims Representative, Liability
SEDGWICK CLAIMS MANAGEMENT
West Des Moines, IA
11.2019 - 08.2021
- Received new losses and transfer files for review and investigated coverage and generated denial letters as well as Reservation of Rights letters.
- Reviewed high level bodily injury demands.
- Paid invoices to defense counsels, shops, insured’s, claimants, vendors, and others.
- Set up rentals and repairs for insurers and claimants.
- Determined what was needed to bring all the files to a timely conclusion while establishing a good rapport with assigned client account and claimants.
- Received litigation, commercial, injury, non-injury, liability claims daily, investigating facts of loss, ordering police reports, and obtaining statements from all parties involved.
- Assigned defense counsel to claims, addressing lawsuits and negotiating settlement with attorneys.
- Determined liability by taking recorded statements from claimants and witnesses, reviewing police reports and any other supporting information provided.
Senior Claims Representative
CONTINENTAL WESTERN GROUP
Des Moines, IA
03.2019 - 10.2019
- Investigated loss, evaluated exposures, established accurate reserves, and managed defense and settlement or conclusion of litigated and higher severity commercial auto claims.
- Worked to adjust auto claims in a prompt, equitable manner by analyzing coverage, liability, and damages, evaluated reserves, negotiated settlement based upon company guidelines.
- Worked assigned total losses on vehicles from reaching settlement to disposing of the salvaged auto.
Fast Track Representative
AIG INSURANCE
West Des Moines, IA
08.2015 - 09.2018
- Determined liability and negotiated all types of claims in a timely fashion.
- Provided vehicle estimates, confirming compliance with company guidelines.
- Maintained good and accurate records for all claims handled, answering client and broker questions from in relation to the claims process.
Claims Service Representative
FARM BUREAU FINANCIAL SERVICES
West Des Moines, IA
03.2014 - 08.2015
- Took first notice of loss (FNOL) from personal and commercial lines customers.
- Efficiently negotiated and settled assigned claims with all customers.
- Investigated, evaluated, and promptly concluded personal lines auto and property claims that did not require field investigation.
Timeline
Senior Claims Representative
Society Insurance
01.2025 - Current
Senior Resolution Manager
Gallagher Bassett Claims Services
05.2023 - 10.2024
Claims Examiner
LOWE'S HOME IMPROVEMENT CENTERS
08.2022 - 04.2023
Claims Adjuster
STATE AUTO INSURANCE COMPANY
08.2021 - 08.2022
Claims Representative, Liability
SEDGWICK CLAIMS MANAGEMENT
11.2019 - 08.2021
Senior Claims Representative
CONTINENTAL WESTERN GROUP
03.2019 - 10.2019
Fast Track Representative
AIG INSURANCE
08.2015 - 09.2018
Claims Service Representative
FARM BUREAU FINANCIAL SERVICES
03.2014 - 08.2015