Marina Nelson

• Supported 100+ active hurricane property claims remotely during cat events, moving each file from first notice to settlement within authority while meeting state regulatory deadlines.
• Reviewed policy coverage, deductibles, named-storm and wind/hail terms, limits, endorsements, and exclusions to accurately determine coverage for wind, water, and storm surge damage, while ensuring compliance with regulatory standards.
• Evaluated coverage parts A, B, C, and D for dwelling, other structures, contents, and loss of use, approving ALE and advance payments to expedite policyholder recovery.
• Analyzed wind and flood causation issues from field reports, engineer findings, and photos, issuing coverage positions, reservations of rights, and partial denial letters to clarify policyholder obligations.

• Held stewardship over 100+ active hurricane property claims during CAT surges and 25+ daily claims in non-CAT periods, guiding each file from first notice to settlement within authority and state regulatory deadlines.
• Applied stewardship over coverage decisions by reviewing policy language, deductibles (including named-storm and wind/hail), limits, endorsements, and exclusions for wind, water, storm surge, fire, theft, and other perils.
• Owned estimate accuracy by reviewing field adjuster estimates and photos in Xactimate, correcting scope, pricing, depreciation, and code upgrades prior to issuing payments and approving supplements.
• Oversaw Coverage A, B, C, and D, approving ALE and advance payments quickly during CAT events and keeping routine payments moving once volume slowed.
• Managed causation and coverage positions, identifying wind vs. flood issues and issuing coverage position, reservation of rights, and partial denial letters as necessary.
• Protected the financial integrity of each file by setting and updating reserves as scope developed, and flagging fraud, prior damage, ordinance and law issues, and subrogation opportunities to SIU or recovery teams.
• Resolved supplements, reinspections, and contractor or public adjuster disputes, reducing average cycle time while ensuring files remained audit-ready.
• Served as the policyholder's single point of contact, giving clear, empathetic updates on coverage decisions and payment timelines through both CAT surges and steady daily volume.

• Supported 100+ active hurricane property claims remotely during cat events, moving each file from first notice to settlement within authority while meeting state regulatory deadlines.
• Reviewed policy coverage, deductibles, named-storm and wind/hail terms, limits, endorsements, and exclusions to determine coverage for wind, water, and storm surge damage.
• Evaluated coverage parts A, B, C, and D for dwelling, other structures, contents, and loss of use and approving ALE and advance payments to help policyholders recover quickly.
• Reviewed field adjuster estimates and photos in Xactimate for scope, pricing, depreciation, and code upgrades, ensuring accurate line items and coverage application prior to payment release.
• Analyzed wind and flood causation issues from field reports, engineer findings, and photos, issuing clear coverage positions and necessary reservation of rights or partial denial letters.
• Managed supplements, reinspection requests, and contractor or public adjuster disputes, negotiating equitable settlements while maintaining audit-ready files with detailed notes.
• Updated reserves as scope expanded and flagged potential fraud, prior damage, and ordinance and law issues to SIU or management.
• Provided empathetic, clear updates to policyholders by phone and email on coverage decisions, payment timelines, and next steps, which supported strong customer satisfaction scores.

• Reviewed 100+ total loss files during CAT events, checked field adjuster appraisals and CCC One valuations for accuracy, and moved claims from first notice through settlement within authority.
• Checked policy coverage, deductibles, limits, and endorsements against field-completed valuations, then corrected values, taxes, fees, and coverage application in CCC when needed.
• Verified comparable vehicle condition, option adjustments, and state tax and title calculations, and worked with field adjusters to resolve discrepancies before settlement.
• Managed salvage and title tasks, including tow yard releases, salvage bids, lienholder payoffs, and title paperwork, ensuring accurate payment processing and reducing cycle time from x days to y days.
• Recorded file notes, flagged fraud and prior damage concerns to SIU, and updated policyholders on valuation and payment timelines, ensuring compliance with state regulatory deadlines.

• Supported management of 120+ active flood-related auto claims during cat events, reviewing photos, tow-yard reports, and repair shop estimates remotely to determine total loss or repair status.
• Built and negotiated valuations in CCC One, Mitchell, or Audatex using comparable vehicles, condition adjustments, and state-required tax and fee calculations, settling claims accurately within authority.
• Coordinated logistics with tow yards, salvage buyers, and rental vendors to achieve reduced average cycle time.
• Verified coverage, deductibles, and policy limits while documenting VIN, flood-line evidence, and file notes to assist audits, reinspections, and fraud review.
• Managed high call and email volume by providing empathetic updates to policyholders in crisis, clarifying coverage and payment timelines.

• Reviewed 30+ liability claims daily, analyzing police reports, witness statements, photos, and policy coverage to determine fault and ensure compliance with company and regulatory timeframes.
• Negotiated property damage settlements using repair estimates, and comparative negligence analysis to close claims fairly and lower payout costs.
• Completed recorded statements and liability interviews with insureds, claimants, and witnesses to build accurate claim files and identify fraud indicators.
• Updated reserves and logged claim activity in the claims system, achieving 100% audit compliance while meeting state regulation deadlines and carrier guidelines.
• Collaborated with repair shops and SIU to support litigated files and subrogation recoveries, ensuring timely claim resolution and maintaining customer communication throughout process.

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