Michelle Torres
Kerens,TX
Summary
Motivated Property/Auto Claims Adjuster specializing in Auto, personal, property and casualty loss and damages. Negotiates peaceful resolutions of all claims with emphasis on fairness and thoroughness. Trustworthy and dependable. Consistently achieving high success rates in claim settlements, underscoring my commitment to professionalism and results.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Property Claims Adjuster
Pilot Catastrophe Services- Allstate
07.2022 - 05.2023
- Collaborated with contractors to verify repair estimates, ensuring fair settlements for both policyholders and company.
- Assisted policyholders with understanding their coverage, providing clear explanations on policy terms and conditions throughout the claims process.
- Scoped and photographed properties for defects and damage.
- Used Xactimate to compile estimates for personal property and structure damage.
- Used software Eagle View for accurate measurement of roofs.
- Negotiated with first and third party to settle claims.
- Issued payouts.
Auto ECTA
The Best Claims- State Farm
06.2021 - 10.2021
- Acted as a reliable point of contact for customers throughout the claims process, addressing their concerns with empathy and professionalism.
- Documented all findings in concise reports.
- Enhanced customer satisfaction by efficiently managing auto claims and providing prompt resolutions.
- Utilized strong negotiation skills to settle disputed liability cases in a fair and reasonable manner, ultimately minimizing company exposure to financial risk.
- Streamlined the claims process by effectively coordinating with repair shops and rental car companies.
- Negotiated with claimants to settle claims.
- Issued payouts to claimants.
Auto Complex Total Loss
The Best Claims- State Farm
06.2020 - 01.2021
- Maintained compliance with state regulations and company policies while handling and resolving auto total loss claims.
- Accurately assessed vehicle damage, determined repair costs, and evaluated total loss thresholds for faster claim resolution.
- Built strong professional relationships with local body shops to facilitate smooth communication during the repair process for clients'' vehicles after accidents occurred.
- Reviewed police reports, photographs and other documentation to gain complete understanding of accident.
- Carried out day to day duties accurately and efficiently.
- Successfully negotiated settlements with claimants and insurers.
- Issued payouts to claimants.
Claims Consultant
United Healthcare Group
07.2013 - 04.2019
- Managed large caseloads effectively, prioritizing tasks to ensure prompt attention to urgent matters.
- Resolved complex claims, utilizing expert knowledge of policy coverage and industry regulations.
- Provided expert advice on coverage limits and exclusions, helping clients make well-informed decisions about their insurance needs.
- Negotiated favorable settlements for clients, maintaining a high success rate in claim resolutions.
- Maintained strong relationships with clients, fostering trust and loyalty through excellent communication skills.
Education
High School Diploma -
Corsicana High School
Corsicana, TX05.2014
Skills
- Xactimate
- CCC One
- Symbility
- Eagle View
- Bilingual
- Claims Processing
- Claims Investigation
- Insurance policy knowledge
- Excellent people skills
- Policy Interpretation
- Damage Assessment
- Policy investigations
- Valuation knowledge
- Accredited Claims Adjuster (ACA)
- Self Motivation
- Analytical Thinking
- Goal Setting
- Professionalism
Certification
- State Farm Auto Certification
- State Farm Estimatics Certification
- State Farm Policy Certification
Adjuster Licenses
- Texas
- Florida
- Minnesota
- Louisiana
- Michigan
Languages
Spanish
Native or Bilingual
Timeline
Property Claims Adjuster
Pilot Catastrophe Services- Allstate
07.2022 - 05.2023
Auto ECTA
The Best Claims- State Farm
06.2021 - 10.2021
Auto Complex Total Loss
The Best Claims- State Farm
06.2020 - 01.2021
Claims Consultant
United Healthcare Group
07.2013 - 04.2019
High School Diploma -
Corsicana High School
- State Farm Auto Certification
- State Farm Estimatics Certification
- State Farm Policy Certification
Adjuster Licenses
- Texas
- Florida
- Minnesota
- Louisiana
- Michigan
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