Summary
Overview
Work History
Education
Skills
Certification
Timeline
Awards
References
Awards
References

Lisa Watford

Land O Lakes,Florida

Summary

Results-driven Adjuster with 7-year proven track record in efficiently processing Property and Auto claims including complex, large loss, and high net worth cases. Expertise lies in insurance policy analysis, claims investigation, and successful negotiations. Possesses technical proficiency in claims management software, legal regulations, with exceptional customer service. Highly organized and extremely motivated.

Overview

6
6
years of professional experience
1
1
Certificate

Work History

LARGE LOSS PROPERTY CLAIMS ADJUSTER

ALACRITY SOLUTIONS
Hammond, LA
08.2022 - 11.2023
  • Managed moderate to complex property losses in claim ownership role, demonstrated expertise in assessing scope of damages for high-net-worth claims of (150k+).
  • Evaluated policies for coverage limits, exclusions, endorsements, and deductibles.
  • Contacted policyholders regarding First Notice of Loss (FNOL), determined if coverage will be extended or denial of claim is warranted. Engaged in active listening with insureds and deescalated high-stress situations when necessary.
  • Established cause of loss and determined exposures.
  • Conducted on-site virtual inspections or assigned field adjusters for comprehensive loss site evaluations.
  • Reviewed field adjuster reports, photos, expert documentation, and damage estimates for prompt loss decisions.
  • Coordinated vendor services such as contractors, experts, emergency and mitigation services.
  • Established reserves. Negotiated settlement of claims with vendor partners, contractors, and Public Adjusters.
  • Composed and reconciled Estimates using claim management software.
  • Authorized payments within limits, assured 100% of claim settlements were issued on or before specified state, carrier deadlines. Determined if supplemental is warranted.
  • Managed dairy to achieve flawless track record, all claims that underwent review consistently received 93% accuracy rating, highlighting meticulous attention to detail, and commitment to maintaining highest standards while moving claim to closure.

PROPERTY CLAIMS ADJUSTER

PILOT CATASTROPHE SERVICES, INC.
Mobile, AL
08.2020 - 06.2022
  • Oversaw 20-80 daily claims in Stewardship role maintaining 100% of quality standard.
  • Investigated property damage to determine coverage and liability.
  • Assisted policyholders with itemization of damages, emergency repairs, and additional living expenses.
  • Analyzed claim data such as photographs, diagrams, witness statements, and police reports.
  • Assessed value of damaged property and contents based on market trends and depreciation factors.
  • Authorized payments for claims up to $30,000.
  • Identified red flags and submitted claims to Special Investigation Unit (SIU) for further scrutiny if warranted.
  • Composed Reservation of Rights, Coverage Denial letters, and meticulous claim file notes.
  • Delivered exceptional customer service to policyholders with 100% completion of Initial Contacts made within specified timeframe, proactively communicated claim statuses, actively listened and resolved policyholder's concerns.

COMPLEX LIABILITY/TOTAL LOSS AUTO ADJUSTER

ALACRITY SOLUTIONS
Hammond, LA
08.2017 - 01.2020
  • Managed heavy workload of 80+ pending claims simultaneously due to strong organizational, time management and collaboration skills consistently met established deadlines.
  • Analyzed auto insurance claims to determine facts of loss, validity, accuracy, coverage, and liability for Total Loss and Complex Auto claims.
  • Determined Comparative Negligence liability by conducting recorded statements with all parties involved.
  • Reviewed customer polices' and resolved coverage issues precisely and promptly.
  • Utilized software to assess Total Loss eligibility promptly and informed policyholders accordingly.
  • Evaluated repair estimates for reasonableness and accuracy prior to authorizing repairs.
  • Arranged appointments with repair facilities, set reserves, and issued payments to first and third parties.
  • Evaluated salvage values for totaled vehicles using market data analysis.
  • Negotiated settlements with customers and lien holders, paid out total loss settlements, and obtained necessary documents to process titles for branding.
  • Reviewed claims for subrogation potential.
  • Provided 100% excellent customer service in call center environment to assist consumers appropriately.

Education

BACHELOR OF ARTS - HUMAN SERVICES

CHESTNUT HILL COLLEGE

Skills

  • Claims Handling in Property and Auto Claims
  • Claims File Management
  • Advanced Computer Skills in Microsoft Office and Claim Applications (ie, Guidewire, ECS, Claim Vision, Xactimate, and Core Logic Symbility)
  • Estimation and Inspection
  • Claims Investigation and Liability
  • Regulatory Awareness and Compliance
  • Productivity and Customer Service
  • Communication and Collaboration
  • Record Keeping and Reporting
  • Policy Interpretation
  • Interviewing Techniques

Certification

  • NICTA
  • California Earthquake
  • California Fair Claims
  • NFIP Authorized Adjuster (FCN 0011859871)
  • Property and Casualty Adjuster Licenses (Florida (Resident); Texas; Louisiana; Michigan; North Carolina; South Carolina; Oregon, Mississippi; Indiana; Georgia)

Timeline

LARGE LOSS PROPERTY CLAIMS ADJUSTER - ALACRITY SOLUTIONS
08.2022 - 11.2023
PROPERTY CLAIMS ADJUSTER - PILOT CATASTROPHE SERVICES, INC.
08.2020 - 06.2022
COMPLEX LIABILITY/TOTAL LOSS AUTO ADJUSTER - ALACRITY SOLUTIONS
08.2017 - 01.2020
CHESTNUT HILL COLLEGE - BACHELOR OF ARTS, HUMAN SERVICES

Awards

2005 Snelling Personnel Services Employee of the Year

References

REFERENCE AVAILABLE UPON REQUEST

Awards

Snelling Personnel Services Employee of Year

References

REFERENCE AVAILABLE UPON REQUEST

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