Le'Creshia Hardin
Dallas,TX
Summary
Friendly Auto Claims Adjuster experienced in evaluating claims to determine liability, ensuring validity and negotiating settlement value. Talented at completing loss reports, confirming coverage and answering clients' inquiries. Sound knowledge of damage assessment procedures and claims investigations.
Overview
7
7
years of professional experience
Work History
Independent Auto Claims Adjuster
EA Renfroe
DALLAS, TX
01.2023 - 11.2023
- Completed required investigations on referred files within established timeframes.
- Identified and obtained evidence to ascertain claim value.
- Explained premiums owed to policyholders, agents and underwriters.
- Gathered information from various third parties to determine claim acceptability.
- Negotiated and settled claims according to information presented through reports, research and data verification.
- Coordinated benefits while applying applicable deductibles, co-insurance and out-of-pocket costs.
Independent Property Claims Adjuster
Crawford & Co. (State Farm, Progressive))
05.2022 - 11.2022
- Auto Line Specialty
- Specialty vehicles
- Detailed Inspection diary input
- Experienced: Field and Total loss adjuster
- Allstate Certified
- State Auto & Policy Certified
- American Family Certified
- 30 Active licenses, Worked with the catastrophe team to investigate, negotiate, and close property claims for various perils
- Interviewed policy holders, evaluated damage, interpreted insurance policies with Xactanalysis
- Wrote es mates using Xactimate, worked with contractors, and reviewed large loss and supplement claims
- Reviewed prior losses, made coverage decisions and issued payments when appropriate.
- Reviewed policies to determine appropriate levels of coverage and assist with approval or denial decisions.
- Analyzed information gathered by investigations and reported findings and recommendations.
- Explained loss coverage, assisted policyholders with itemizing damages and coordinated alternative living arrangements.
- Reduced loss ratios through fair and prompt processing of claims.
- Delivered exceptional customer service to clients by communicating information and actively listening to concerns.
- Drafted statement of loss to summarize damages, payments and underlying policy coverage.
- Contacted banks to acquire credit information.
Independent Auto Claims Adjuster
Crawford & Co. for State Farm
04.2022 - 05.2022
- Individual contract adjuster; Clarified coverage of losses to policyholders and provided assistance with liability establishment
- Negotiated and closed claims with 50k settlement authority and assisted with collision and comprehensive liability disputes including but not limited to recorded statements with daily task requirements to be met at a high production rate.
- Delivered high level of customer service and support by answering questions and returning phone calls quickly.
Independent Auto Claims Adjuster
Eberl Claims for State Farm
08.2021 - 02.2022
- Processed claims within approved authority limits ($50,000)
- Conduct investigations, negotiations, and settlements of first and third property damage claims
- Properly interpret and apply knowledge of auto policy required as well as contact including but not limited to insureds, claimants, law enforcement, repair facilities, lease/lien holders and attorneys.
- Assist in training less experienced claim representative in answering questions as they called into complex team for direction.
Independent Auto Claims Adjuster
Pilot Catastrophe for State Farm
05.2017 - 01.2021
- Multiple carriers; Field and Inside appraiser; Inspection of vehicles to determine extent of company’s liability
- Make approval/denial decisions and negotiate settlements with claimants in accordance with policy provisions
- Peril: hail closed claims: 268 claims closed, selected to assist with supplement claims
- Daily meetings, emails, reports, task assignments; billing, invoices, face-to-face customer service; vehicle inspections & data transfer into estimating system for claim processing and payment issuance on site.
- Negotiated total loss settlements by reasonably applying company estimates to benefit both client and company needs.
- Negotiated settlements with customers and lien holders paid out total loss settlements and obtained necessary documents to process titles for branding.
- Coordinated benefits while applying applicable deductibles, co-insurance and out-of-pocket costs.
Education
SANFORD -
EL CENTRO, BROWN COLLEGE
01.2008
Bachelor of Science - DBA
COLUMBIA SOUTHERN UNIVERSITY
Skills
- Property Damage Assessment
- Case Presentation
- Client Interviewing
- Team Collaboration
- Critical Thinking
- Claims Evaluation
- Vehicle Damage Assessment
- Active Listening
- Relationship Building
- Coverage Assessment
- Decision Making
- Coaching and Mentoring
- Sourcing and Compiling Information
- MS Office
- Risk Assessment Software
- Damage assessment
- Database-savvy
- Claims handling
- Auto damage appraisal
- Claims process explanation
- Customer service expertise
- Written Communication
- Teamwork and Collaboration
- Problem-Solving
- Self-Motivated
- Excellent Communication
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
The supernatural is the natural not yet explained.
Elbert Hubbard
Timeline
Independent Auto Claims Adjuster
EA Renfroe
01.2023 - 11.2023
Independent Property Claims Adjuster
Crawford & Co. (State Farm, Progressive))
05.2022 - 11.2022
Independent Auto Claims Adjuster
Crawford & Co. for State Farm
04.2022 - 05.2022
Independent Auto Claims Adjuster
Eberl Claims for State Farm
08.2021 - 02.2022
Independent Auto Claims Adjuster
Pilot Catastrophe for State Farm
05.2017 - 01.2021
SANFORD -
EL CENTRO, BROWN COLLEGE
Bachelor of Science - DBA
COLUMBIA SOUTHERN UNIVERSITY
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