Melissa Hornback

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• Investigate property damage and bodily injury claims to determine liability, coverage eligibility, and the appropriate compensation amounts.
• Effectively communicate with policyholders, third parties, attorneys, and clients to set appropriate expectations, provide claim progress and address inquiries in a timely manner.
• Negotiate timely settlements of total loss and bodily injury claims to ensure a fair resolution for all parties involved.
• Evaluate medical records as part of injury claim assessments, ensuring an accurate understanding of treatment costs and recovery timelines.

• Promptly investigated commercial general liability property damage and bodily injury claims to determine liability exposure, set reserves, and establish a plan of action for the client.
• Efficiently managed claim inventory and maintained appropriate diaries to ensure efficient claim handling in accordance with client and statutory requirements.
• Reviewed medical records, billings, damage estimates, and accident reports to accurately assess claim value.
• Negotiated fair and timely settlements within the granted authority established by the client.

• Managed a team of independent claim adjusters to ensure efficient and accurate claim handling.
• Conducted file audits and telephone monitoring to ensure quality standards, accuracy and adherence to established procedures and regulatory requirements.
• Monitored weekly production metrics to ensure optimal metric achievement, recommended strategic improvements and facilitated training sessions to implement best practices.

• Investigated complex liability claims by gathering relevant evidence, reviewing accident reports, speaking with witnesses, and assessing damages .
• Resolved questions of coverage by accurate interpretation and application of the insurance policy.
• Analyzed claims for potential subrogation recovery to mitigate losses on behalf of the company.
• Collaborated with internal teams, external experts, and legal counsel to effectively resolve claims in fair and timely manner.

• Investigated and processed Commercial Trucking & Equipment and Auto Dealership claims, ensuring accurate assessment of damages, losses, and liability while applying policy language and reviewing coverage to determine claim eligibility and appropriateness.
• Researched and remained current with state-specific compliance guidelines, ensuring adherence in all claim processing activities, including executing title processing procedures.
• Forecasted and allocated costs to finalize claim settlements, and considered all relevant factors to maintain cost-effectiveness and fairness.

• Investigated complex liability, coverage questions, and litigation claims while collaborating with external sources and gathering relevant evidence to effectively resolve complex matters.
• Established reserves to accurately allocate funds for potential claim settlements, identified subrogation potential, and examined demands for appropriate payment .
• Negotiated total loss claims and conducted market area research to achieve fair and reasonable total loss settlements.
• Conducted thorough research on state-specific total loss procedures to ensure compliance and accuracy with obtaining all required settlement documents and applying appropriate title branding.
• Prepared and managed arbitration files, ensuring all necessary evidence is presented with contentions.