Latoria Choyce

• Managed a team of 25 adjusters while addressing & providing guidance on over 3,000 claims for all total loss & casualty issues.
• Reviewing all payments & reserves for approvals and denials.
• Addressing all total loss DOI complaints by investigating the claim handling process & providing a resolution to the adjusters to resolve the claim within DOI complaint timeframe.
• Then issuing a written response letter to the state DOI agent & complainant while making sure all claims were handled within Tesla policy guidelines & state requirements.
• Along with addressing all claim escalations, storage disputes, & appraisals.
• System Used: Xl, XactAnalysis, Livewire, Eagleview, CTABS & different storm tracking systems to confirm date of losses. AZGO system for Allianz. Raptor, Copart, IAA, LexisNexis, Audatex, ARMS- for rental, CCC systems for Tesla.

• Managed multiple insurance carrier accounts for All Line TPA claims.

• Reviewed medical records, billing & expenses along with facts of loss & injuries to settle claims.
• Negotiated settlements with insured, claimants & attorneys within state & Allianz policy guidelines.
• Along with attending mediations with appointed counsel.

• Managing a team of 17 adjusters, investigating claims facts of loss and evaluating policies for applicable coverage of losses for Daily and Catastrophe wind & hail claims in GA, IL, IN, KY, MI, OH, PA, SC, TN, VA, IA, MN, WI.
• Reviewed & approved all payments for each adjuster.
• Resolved all escalation & complaints from insureds, agents, contractors, & PA's.
• Assist adjuster with resolving claim issues through file review, collaboration, settlement negotiations & supplement reviews.
• Reviewed & re-wrote all denial submissions for final approval.
• Trained adjuster on all Grange processes & procedures.
• Prepare write-ups for underwriting when damages that predate the policy were not addressed or if there were changes in the property conditions since policy origination that needed to be addressed.
• Also managed a team for Hanover Insurance Daily and Catastrophe all peril claims.

• Handling Daily Boat, Commercial, Farm & Ranch claims.
• Ensure photos of damage are in line with repair estimates and support facts of loss.
• Communicate with contractors, HOA's, vendors, and other adjusters throughout the claim process from first notice of loss to final settlement.
• Addressing supplement request.
• Determining if a claim will be a subrogation, liability for HOA claims.
• Determining if a boat loss will be total loss & salvageable.
• Writing partial denial & full denial letters.
• System Used: Xl, XactContents, ECS Systems, Assurant,& ClaimXperience, XactAnalysis, EagleView, Queue Manager, AccuWeather, Copart, NADA.

• CAT Claims for Winter Storm Uri.
• Investigate facts of loss and evaluate policies for applicable coverage for Winter Storm Uri freeze & water damage claims.
• Making initial contact with insured, assigning claims to field adjusters, leak detection & engineers for inspections.
• Reviewed field adjuster, leak detection & engineer findings to present findings to the insured, settle claims, supplement request, writing and issuing state required letters.
• Collaborate on FA estimates through Xactimate 28 for estimate corrections & supplements.
• Resolved 10 to 15 claims a day with an approval limit of $25k.
• Highest claim loss amount paid $200,000.
• Writing partial denial & full denial letters.
• Handling ALE & Personal Property losses.
• Creating Exposures, setting reserves, and issuing all payments throughout the claim process.
• Working hands on with Engineers, HVACI, Leak Detection Companies, insureds, PA's & contractors to determine Winter Storm Uri water & freeze related damages.
• Handling all supplement requests.
• Handling Appraisal process.
• Educating INS on FEMA & SBA Loans assistance for Winter Uri losses not covered by insurance carriers.
• Systems Used: Claim Center (Guidewire), XactAnalysis, Xactimate 28, ClaimXperience, Xl, AWS & ISO.

• Handled all Winter Storm Uri claims for Freeze & Water damages.
• Decisioned & wrote all final decisioning letters for the Wellington assignment.
• Made all closing calls.
• Trained new adjuster on decisioning & writing denial & partial denial letters along with understanding policy coverage.
• System Used: Image right, Virtual Claims assistant, Xactimate 28 & Teams.

• Investigated hail & wind claims facts of loss and evaluated policies for applicable coverage of losses for Daily and Catastrophe claims.
• Worked hands on with the policyholders, contractors, mortgage companies, public adjusters, & attorneys to reconcile Hail & Wind damage property claims.
• Writing partial denial & full denial letters.
• System Used: Xl, XactContents, ECS Systems, Assurant, & ClaimXperience, XactAnalysis, EagleView, Queue Manager, AccuWeather.

• All Perils, Hail, Wind, Water Loss Daily & CAT Claims Bertha & Fay.
• Investigated claims facts of loss and evaluated policies for applicable coverage of losses for Daily and Catastrophe claims for Bertha & Fay.
• Assisting other ECR's with completing task to move claims to closing.
• Worked hands on with the policyholders, contractors, mortgage companies, public adjusters, & attorneys to reconcile damages for property claims.
• Ensure photos of damage are in line with repair estimates and support facts of loss.
• Communicate with contractors, vendors, and other adjusters throughout the claim process from first notice of loss to final settlement.
• Writing partial denial & full denial letters.
• System Used: Xl, XactContents, ECS Systems, Assurant, & ClaimXperience, XactAnalysis, EagleView, Queue Manager.

• Florida Daily Water Loss, Wind & CAT Claims.
• Investigate claims facts of loss, evaluating policies for applicable coverage of losses for Daily, and Catastrophe claims.
• Making initial contact with insured, assigning claims to FA, reviewing field adjuster findings, present findings to the insured, settle claims, supplement request, writing and issuing state by state required letters.
• Worked hands on with the policyholders, contractors, mortgage companies, public adjusters, engineers & attorneys to reconcile all water & wind damage for property claims.
• Ensure photos of damages are in line with damage estimates and support facts of loss.
• Communicate with public adjusters, attorneys, contractors, vendors, SIU and other adjusters throughout the claim process from first notice of loss to final settlement.
• Also, when needed, working with experts to confirm cause & origin of losses. (Engineers, leak detection companies, & mold detection companies such as AirSpec).
• Obtain Recorded statements for property losses.
• Confirming that all FL guidelines are met through the claims process.
• Negotiated supplement requests from vendors, contractors, policyholders & public adjusters.
• Writing partial denial & full denial letters.
• Educating and updating policyholders throughout the claims process until claim is completely resolved.
• Remote desk adjusting.
• Systems Used: Citadel, Alacrity, IRIS, Symbility, Image Right.

• All Perils Daily & CAT Claims.
• Investigate claims facts of loss, evaluating policies for applicable coverage of losses for Daily, and Catastrophe claims.
• Making initial contact with insured, assigning claims to FA, reviewing field adjuster findings, present findings to the insured, settle claims, supplement request, writing and issuing state by state required letters.
• Worked hands on with the policyholders, contractors, mortgage companies, public adjusters, & attorneys to reconcile all perils damage for property claims.
• Ensure photos of damages are in line with damage estimates and support facts of loss.
• Communicate with contractors, vendors and other adjusters throughout the claim process from first notice of loss to final settlement.
• Investigate inventory, police reports, & fire investigation reports for personal property, fire, & theft claims.
• Negotiated supplement requests from vendors, contractors, & policyholders.
• Writing partial denial & full denial letters.
• Also handled Water Mitigation, Subrogation, Re-Inspections, ALE, Contents, Issued ACV payments, RD payments and supplement payments.
• Educating and updating policyholders throughout the claims process until claim is completely resolved.
• Writing Content Estimates.
• Systems Used: IMS, Symbility, Corelogic Weather verification, X-Lite, ISO, Enservio.

• All Perils Daily & CAT Claims.
• Investigate claims facts of loss and evaluated policies for applicable coverage of losses for Daily, and Catastrophe claims.
• Making initial contact with insured, assigning claims to FA, reviewing field adjuster findings, present findings to the insured, settle claims, supplement request, writing and issuing state by state required letters.
• Collaborate on FA & Contractor (Bright Serv) estimates through Xactimate for estimate corrections & supplements.
• Resolved 10 to 15 claims a day with an approval limit of $25k.
• Highest claim loss amount paid $170,000.
• Writing partial denial & full denial letters.
• Handling ALE & Personal Property losses.
• Ordering and reviewing Benchmark Reports for Hail & Wind claims.
• Ordering and reviewing Geomni & EagleView Reports.
• Creating Exposures, setting reserves, and issuing all payments during the claim process.
• Working hands on with Engineers, HVACI, & StrikeCheck to determine cause of loss.
• Handling all supplement requests.
• Systems Used: Claim Center (Guidewire), XactAnalysis, Xactimate, ISO, Bright Serv.

• Investigated claims facts of loss and evaluated policies for applicable coverage of losses.
• Also confirmed if the claim loss met the NCJUA / NCIUA guidelines for coverage.

• Investigated the claims facts of loss and evaluated policies for applicable coverage of losses for Hurricane Ida Wind & Flood claims for the state of NY, CT, RI, NJ.
• (Issued an emergency NY license during this process)
• Settling Claims per state guidelines for Kingstone Insurance..
• Handled Flood coverage claims.
• Writing partial denial & full denial letters per each state required guidelines.
• Handled Personal Property losses.
• Educated insureds on the FEMA & NY assistance programs for non-covered Flood losses.
• System Used: Sims Claims Systems, Image Right, Mite! Connect, XactAnalysis.

Collaborated with engineers, attorneys, and public adjusters to resolve claim issues effectively.

Ensured alignment of damage photos with estimates to support loss facts.

Streamlined property loss adjusting by communicating with contractors and vendors via XactAnalysis.

Negotiated supplement requests from vendors, contractors, and policyholders while updating estimates in Xactimate.

Drafted partial and full denial letters to convey claims decisions clearly.

Handled water mitigation subrogation, re-inspections, ACV payments, and RD payments efficiently.

Educated policyholders throughout the claims process, providing updates until resolution.

Investigated claims and evaluated policies for coverage of daily and catastrophe losses.

Collaborated with policyholders, contractors, mortgage companies, public adjusters, and attorneys to reconcile hail and wind damage claims.

Processed over 40 claims weekly through phone and mail, managing estimate adjustments and supplement requests.

Updated estimates in Xactimate to reflect current information as needed.

Resolved claim issues by verifying compliance with city, state, and county code enforcement regulations.

• Drafted partial and full denial letters to communicate decisions clearly.

• Handled total loss auto claims for hurricanes Harvey and Irma.

Contacted vendors, body shops, tow yards, and auto finance companies to resolve claims.

Negotiated fair settlements for total loss cases with policyholders.

Collaborated with agents and adjusters to ensure timely claim resolution and payments.

• Provided exceptional customer service throughout the claims process.

Executed loan modification settlement tasks for GSE and non-GSE residential mortgages, utilizing external tools.

Conducted ongoing performance feedback and analysis to enhance quality and production efficiency.

Performed loan-level and process-level reviews within modification processing group.

Maintained a comprehensive checklist for each process responsibility, ensuring completion of assigned projects.

Developed processes and procedures for FNMA and FHLMC non-delegated transactions.

Traveled to various sites to ensure compliance with CFPB timelines in Ocwen processes.

Provided first and second quality control checks for underwriters and modification processors.

Trained modification processors on underwriting and closing processes for GSE loans, balancing non-delegated submissions.