JUSTIN ESSICK

• Reduced claim processing time by implementing streamlined procedures and efficient documentation practices.
• Enhanced customer satisfaction by promptly addressing and resolving complex claim issues through thorough investigation and analysis.
• Expedited claims settlements with successful negotiation strategies and effective communication skills.
• Improved team productivity, providing comprehensive training to junior adjusters on industry best practices and company guidelines.
• Minimized company exposure to financial risk by diligently identifying fraudulent claims and coordinating with legal teams for resolution.
• Achieved high accuracy rates in claims evaluation by consistently applying knowledge of policy coverage, liability assessment, and damage valuation.
• Optimized workload management, prioritizing time-sensitive cases to ensure timely resolutions for clients.
• Developed strong relationships with external partners such as repair shops, medical providers, and legal professionals to facilitate seamless claim resolutions.
• Managed a diverse caseload of property and casualty claims while maintaining strict adherence to state regulations and internal guidelines.
• Implemented cost-saving measures by effectively negotiating settlement amounts within authorized limits while ensuring fair compensation for policyholders'' losses.
• Maintained detailed records of all case-related activities, ensuring accurate documentation for auditing purposes and future reference.
• Participated in ongoing professional development opportunities such as industry conferences, workshops and webinars to stay current with industry trends and advancements.
• 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.

External Claims Resource - Field (Property Hail/Wind)

• 3-4 properties inspected daily.

• Catastrophe Group RR - Hail/Wind - Worked over 60 claims from open to close.
• Inspected 2-4 properties daily.

• Collected and summarized information in reports required by client, local, state and federal government.
• Investigated claims by reviewing policy contracts to determine claim coverage based on cause and facts of loss as well as policy agreement.
• Carefully reviewed claim information to verify accuracy and avert fraudulent claims.
• Used Xactimate/Xactanalysis to compile estimates for personal property and structure damage.
• Prepared sketch of floor plan and roofline and entered data into Xactimate & Eagle View Measurements to develop line-by-line item costs of damages.
• Presented evidence and produced reports and other documents as evidence if required.
• Settled claims after determining clients coverages, liability and authority levels.
• Interviewed insured, claimants and witnesses and requested official reports as part of investigations.
• 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.
• Read over insurance policies to ascertain levels of coverage and determine whether claims would receive approvals or denials.
• Regularly provide status updates and maintain contact with all parties associated to the loss, and provide written status updates as required by local municipal guidelines.

• Investigated daily property claims interacting first hand with customers and providing exceptional customer service during times of need.
• Carefully reviewed claim information to verify accuracy and avert fraudulent claims.
• Performed over five hundred field investigations of damaged properties over seven months time.
• Coordinated and managed field investigations, outside engineers, contractors, and cause and origin experts.
• Prepared comprehensive reports to negotiate purchase price and repair of properties.
• Prepared sketch of floor plan and roof structure and entered data into Xactimate to develop line-by-line item costs of damages.
• Used XactContents to create line by line estimates for personal property.
• Scoped and photographed reported damages and surrounding structures including undamaged structures and personal property for documentation purposes.
• Conducted day-to-day administrative tasks to maintain information files and process paperwork.
• Examined claims forms and other records to determine insurance coverage.
• Negotiated draft settlement agreements to resolve disputes.
• Maintained claims data in Enterprise Claims Systems software.
• Directed claims negotiations within allowable limit of $50,000.00 and supported successful litigation for advanced issues.
• Testified on behalf of agency as part of criminal and civic proceedings.
• Corrected payment and Claim Category codes to properly classify Wind and Hail claims vs. Catastrophe Claims.

• Answered customer telephone calls promptly to avoid on-hold wait times.
• Used company troubleshooting resolution tree to evaluate technical problems and find appropriate solutions.
• Met customer call guidelines for service levels, handle time and productivity.
• Managed between 20-30+ calls a day assisting customers with entry into online payment accounts for electronic pay stubs.