Lori Crittenden
Winterset,IA
Summary
Complex Claims Advisor with over 38 years of experience in the Property and Casualty Insurance Industry managing large, complex, litigated files to conclusion. Detail-orientated approach by leading investigations to identify the various exposures, determine proper reserves, and work to conclude the claim through settlement negotiations. Expansive agribusiness background. Dedicated and hardworking with internal drive to deliver excellence. Interested in new challenges and opportunities to utilize my expansive experience for career growth and advancement. Strive to provide excellent customer service to Members.
Overview
39
39
years of professional experience
Work History
Complex Claims Advisor
Iowa Communities Assurance Pool - Sedgwick
09.2019 - Current
- Responsible for adjustment and litigation of medium to complex professional liability, general liability and auto liability claims
- Manage attorneys assigned to the case, defense expense and litigation budgets, and overall litigation
- Assist staff in managing multiple conflicting priorities
- Knowledge of Iowa, Nebraska, and Illinois governmental immunities and tort claims acts
- Produce liability and litigated claims-related detailed claim and client board reports
- Attend mediations, settlement conferences and trials, as required.
- Streamlined litigation processes for improved efficiency and cost effectiveness.
- Conducted thorough investigations of complex claims to ensure accurate evaluations and appropriate reimbursements.
- Evaluated and settled complex insurance claims in strict timeframes.
- Maintained contact with claimants and attorneys to determine treatment status.
- Examined claims forms, lawsuits and other records to determine insurance coverage.
- Determined liability outlined in coverage and assessed documentation such from police and healthcare providers to understand damages incurred.
Senior Claim Representative
Berkley Agribusiness
02.2010 - Current
- Responsible for adjustment of moderate to large complex and litigated Business Auto Liability and Commercial General Liability claims throughout the United States
- Manage litigated files including assignment of defense counsel and working towards resolution
- Attend key depositions, mediation/settlement conferences and trials
- Investigate liability, coverage, damages and exposures to establish reserves
- Prepare large loss, reinsurance and other required reports
- Deliver exceptional customer service to insureds, agents, and customers and provide regular updates
- Mentor and assist with training and development of casualty adjusters
- Currently hold 18 Non-Resident Adjuster licenses
- Manage license renewal and compliance by completing required continuing education.
Senior Adjuster
Rain And Hail, LLC
06.2006 - 02.2010
- Manage litigated Property and Casualty claims
- Responsible for investigation, reserving, coverage determination on moderate/large complex claims throughout the United States
- Worked with corporate counsel, local defense, and coverage counsel on investigation, resolution, negotiations and settlement of claims
- Supervise independent adjusters and assigned tasks as necessary to assist with field investigations
- Responsible for identifying coverage and legal issues, preparation of reservation of rights and coverage disclaimer letters
- Negotiated settlements; attended mediation and settlement conferences; coordinate independent experts
- Communication with insureds, claimants, attorneys, physicians and others
- Training and mentoring of claim staff.
Senior Claims Representative
West Bend
05.2005 - 06.2006
- Multi-line field adjuster - responsible for adjusting, investigations, determination of coverage, and settlement of all property, casualty, and liability claims
- Responsible for establishing and recommendations on reserves
- Experienced with both Personal and Commercial lines
- Meet with insureds, claimants, contractors, attorneys and others, as necessary, to investigate and finalize losses
- Supervised litigated files as assigned and work with defense counsel and insureds on resolution
- Provided exceptional customer service to agencies by providing claim assistance and updates to agents and their staff
- Prepared claim reviews
- Provided detail as requested on specific claims and various accounts.
Claims Specialist
The Cincinnati Insurance
10.1998 - 05.2005
- Multi-line Field Adjuster - Responsible for all aspects of commercial and executive personal lines claims in assigned territory
- Adjusted and investigated all property, casualty, and worker's compensation claims
- Scoped property losses, wrote repair estimates and worked with independent contractors as needed
- Wrote auto repair estimates and worked with body shops
- Conducted field and scene investigations and interviews to investigate losses
- Met with insureds, claimants, contractors, attorneys, and physicians as necessary to investigate, monitor and resolve claims
- Supervised and managed litigated claims including assigning defense and coverage counsel
- Provided excellent customer services to assigned agencies and met with them weekly to update on claims inventory
- Met with insureds and prospective insureds concerning insurance and claims related issues
- Managed medical case managers and vocational counselors on workers compensation claims
- Served as Manager in charge, as required with our manager's absence
- Provided supervision and assistance to the Des Moines' claims unit, as well as to home office supervisors, managers and staff
- Served as Trainer and Mentor for Des Moines' claims unit.
Senior Workers Compensation Claims Adjuster
Farm Bureau Financial Services
01.1986 - 10.1998
- Responsible for investigation and determination of compensability and benefits for workers compensation in accordance with the Iowa Workers Compensation Act
- Responsible for overseeing and supervision of all claims in my assigned territory
- Assisted with the training and supervision of claims staff
- Supervised litigated files as assigned
- Attended mediation/settlement conferences, hearings, and depositions
- Worked with defense counsel and insureds on resolutions of claims
- Responsible for providing assistance and training of insureds and other customers concerning various claims issues
- Conducted training sessions for insured's department managers on workers compensations issues and trends.
Education
Other Industry Education -
AIC Designation; INS Designation; Completed 6 CPCU Courses Working Towards CPCU Designation. Insurance Examinations: Property-Casualty Insurance; Legal Concepts And Doctrines, Claim Evaluation And Settlement, Fundamentals of Business Interruption Losses, Personal Auto Coverage, Advanced Property Claims, Advanced Casualty Claims, And Advanced Claims Investigations.
Bachelor of Arts - Business Management
William Penn University
Oskaloosa, Iowa01.1999
High School Diploma - Business Management
East Union Community School District
Afton, Iowa01.1981
Skills
- Excellent written and oral articulation skills
- Organized, reliable, and dependable
- Adaptable to adversity and change
- Results-oriented
- Excellent Problem Solving and Negotiation skills
- Proactive team player
- Excellent Time Management skills
- Relationship building
- Computer software knowledge
- High exposure claims experience
- Legal guidelines understanding
Timeline
Complex Claims Advisor
Iowa Communities Assurance Pool - Sedgwick
09.2019 - Current
Senior Claim Representative
Berkley Agribusiness
02.2010 - Current
Senior Adjuster
Rain And Hail, LLC
06.2006 - 02.2010
Senior Claims Representative
West Bend
05.2005 - 06.2006
Claims Specialist
The Cincinnati Insurance
10.1998 - 05.2005
Senior Workers Compensation Claims Adjuster
Farm Bureau Financial Services
01.1986 - 10.1998
Other Industry Education -
AIC Designation; INS Designation; Completed 6 CPCU Courses Working Towards CPCU Designation. Insurance Examinations: Property-Casualty Insurance; Legal Concepts And Doctrines, Claim Evaluation And Settlement, Fundamentals of Business Interruption Losses, Personal Auto Coverage, Advanced Property Claims, Advanced Casualty Claims, And Advanced Claims Investigations.
Bachelor of Arts - Business Management
William Penn University
High School Diploma - Business Management
East Union Community School District
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