Summary
Overview
Work History
Education
Skills
Timeline
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Lance Ratliff

Crandall,TX

Summary

Dynamic Claims Adjuster with a proven track record, excelling in claims investigation and settlement negotiation. Recognized for reducing processing times and enhancing customer satisfaction through effective communication and critical thinking. Highly motivated to deliver results while maintaining compliance and minimizing financial risk for the company.

Overview

32
32
years of professional experience

Work History

Claims Adjuster

Sedgwick Claims Management
10.2023 - 05.2025
  • Identified potential fraud indicators early in the investigation process, protecting company assets from potential losses due to fraudulent activity.
  • Reduced processing time for property damage claims by accurately assessing repair costs and negotiating with contractors.
  • Facilitated smooth transitions for policyholders during the claim process by liaising between various departments, ensuring all parties were informed and engaged.

Claims Adjuster

North American Risk Services
02.2022 - 03.2023
  • Conducted comprehensive interviews of witnesses and claimants to gather facts and information.
  • Evaluated coverage accurately by interpreting complex insurance policies and applying them to specific claim scenarios.
  • Improved claim resolution times by efficiently managing a caseload of 50+ claims per month.

Claims Adjuster

Clear Point Claims
09.2017 - 01.2022
  • Prepared summaries of damage, payments, and policy coverage.
  • Provided exceptional customer service during emotionally difficult situations for policyholders following accidents or natural disasters.
  • Attended industry conferences and workshops to stay current on trends and developments within the field of claims adjusting.
  • Managed catastrophic loss events effectively by coordinating rapid response efforts and providing support to impacted policyholders.

Installer

Closets by Design
06.2017 - 09.2017
  • Laid out materials and system components to prepare for installation.
  • Operated tools, equipment, and machinery according to safety standards.
  • Installed complete systems at new residential and business construction sites.
  • Enhanced customer satisfaction by providing timely and accurate installations.

Claims Adjuster

ICA Claims Now Davies
02.1993 - 03.2017
  • Negotiated favorable settlements with claimants, attorneys, and other insurance carriers to minimize financial risk for the company.
  • Examined claims forms and other records to determine insurance coverage.
  • Verified insurance claims and determined fair amount for settlement.
  • Maintained compliance with state regulatory requirements through meticulous documentation and adherence to company policies.
  • Worked with large numbers of adjusters for Catastrophes.
  • Graded and review field adjusters submitted paperwork.
  • Conducted thorough investigations of complex insurance claims, gathering evidence and analyzing relevant documentation.
  • Contributed to a positive work environment through active participation in team meetings and collaborating on cross-functional projects.
  • Achieved high customer satisfaction ratings by providing clear and timely communication throughout the claims process.

Education

High School Diploma -

Arlington High School
Arlington, TX

Psychology

Ranger Jr College
Ranger, TX

Psychology

Navarro Jr College
Corsicana, TX

Skills

  • Critical thinking
  • Claims investigation
  • Active listening
  • Highly motivated
  • Decision-making
  • Settlement negotiation

Timeline

Claims Adjuster

Sedgwick Claims Management
10.2023 - 05.2025

Claims Adjuster

North American Risk Services
02.2022 - 03.2023

Claims Adjuster

Clear Point Claims
09.2017 - 01.2022

Installer

Closets by Design
06.2017 - 09.2017

Claims Adjuster

ICA Claims Now Davies
02.1993 - 03.2017

High School Diploma -

Arlington High School

Psychology

Ranger Jr College

Psychology

Navarro Jr College

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