Joshua Hardeman
Spring,Texas
Summary
Results-driven Risk and Claims Investigations Specialist with a proven track record in evaluating multi-line losses and identifying exposure while ensuring strict regulatory compliance across auto, property, and complex claims. Expertise in conducting thorough investigations, assessing liability, and detecting fraud indicators, combined with a strong ability to apply policy language to support defensible decision-making. Recognized for maintaining meticulous, audit-ready documentation and fostering collaboration with legal and Special Investigations Unit (SIU) teams to enhance internal controls that mitigate organizational risk. Committed to delivering high-quality outcomes that protect company interests and uphold industry standards.
Overview
1
1
Certification
7
7
years of professional experience
Work History
Insurance Claims Auto Consultant
Allstate / National General
06.2025 - Current
- Managed approximately 35 calls and 7 claims per day
- Conduct detailed risk assessments on auto losses from first notice of loss through resolution, evaluating liability, coverage, and potential exposure.
- Investigate unclear or disputed claims by gathering statements, reviewing evidence, and applying policy language to support defensible decisions.
- Maintain strict compliance with internal controls, regulatory requirements, and documentation standards to ensure audit readiness.
- Identify fraud indicators and subrogation opportunities, escalating complex cases to SIU or subrogation teams when appropriate.
- Manage a high-volume caseload while maintaining accuracy, timely follow-up, and consistent communication with policyholders, claimants, and partners.
- Assess vehicle and property damage, interpreting repair implications to determine financial impact and risk exposure.
Sr. Coverage Damage Unit Specialist
GEICO
12.2022 - 06.2025
- Led complex, multi-line investigations involving structural, water, auto, and litigated losses, determining coverage and exposure across diverse claim types.
- Handled confidential and high-risk claims involving celebrities, employees, and government entities, ensuring strict compliance and secure documentation.
- Collaborated with SIU on fraud, misrepresentation, and bad-faith investigations, providing detailed findings and evidence analysis.
- Drafted Reservation of Rights and denial letters using precise policy language to mitigate legal and compliance risk.
- Maintained 100% compliance with state-specific regulations, ensuring documentation accuracy and audit-ready files.
- Served as a subject matter expert on policy interpretation, risk identification, and investigative best practices.
- Mentored junior adjusters on investigative techniques, compliance standards, and risk mitigation strategies.
Insurance Claims Specialist
GEICO
07.2022 - 12.2022
- Managed approximately 40 calls and 10 claims per day.
- Investigated auto and property claims by conducting interviews, assessing liability, and analyzing documentation to determine risk exposure.
- Negotiated settlements based on evidence, policy language, and regulatory requirements.
- Supported quality assurance and process improvement initiatives to strengthen internal controls and reduce operational risk.
- Delivered consistent, empathetic communication to maintain customer satisfaction and reduce escalations.
Grocery Lead
H-E-B
12.2019 - 01.2021
- Tracked top-10 and bottom-10 product performance to refine ordering accuracy; phased out non-selling inventory and enforced stock rotation protocols to minimize shrink and recover margin lost to theft and expiration.
- Oversaw inventory control processes, identifying shrink trends and implementing corrective actions to reduce financial risk.
- Trained five staff on compliance, safety standards, and operational procedures to minimize incident risk.
- Coordinated workflows and vendor interactions to maintain accurate inventory levels and prevent operational disruptions.
Education
Bachelor of Science - Criminal Justice, Psychology
Sam Houston State University
Huntsville, Texas12-2020
Skills
- Risk Assessment & Mitigation
Fraud Detection & SIU Collaboration
Multi-State Regulatory Compliance
Liability & Exposure Analysis
Internal Controls & Documentation
Multi-Line Claims Investigation (Auto, Property, P&C)
Policy Interpretation & Coverage Analysis
Subrogation & Recovery Strategy
Negotiation & Dispute Resolution
Cross-Functional Collaboration
Root Cause Analysis
Stakeholder Communication
Training & Mentoring
Technical Skills
Salesforce CMS Xactimate Microsoft Office Suite Claims Management Systems Risk & Compliance Documentation Tools
Accomplishments
Recognized as a two-time recipient of GEICO's Chairman's Club and ACE Club awards — elite designations reserved for associates who consistently exceed performance targets in production, quality, and customer satisfaction.
Certification
- Lean Six Sigma Green Belt — Nov 2023
- Salesforce (Expert Level) — Dec 2022
- Insurance Adjuster Licenses: Texas, Oklahoma, Wyoming, Louisiana, Wisconsin, New Mexico
Timeline
Insurance Claims Auto Consultant
Allstate / National General
06.2025 - Current
Sr. Coverage Damage Unit Specialist
GEICO
12.2022 - 06.2025
Insurance Claims Specialist
GEICO
07.2022 - 12.2022
Grocery Lead
H-E-B
12.2019 - 01.2021
Bachelor of Science - Criminal Justice, Psychology
Sam Houston State University