Patrick Tighe
Rockville
Summary
Proven Claims Adjuster with a track record of excellence at Network Adjusters, Inc., adept in policy investigations and delivering exceptional customer service. Highly experienced with insurance policy coverage analysis, significantly enhancing claims processing efficiency, with a focus on Commercial General Liability large loss and casualty claims. Skilled in risk assessment and fraud detection, consistently achieving resolutions that align with company objectives and regulatory compliance. Experienced in high exposure litigation claims. Excellently positioned to investigate, evaluate and settle high exposure third party general liability claims. Advanced abilities to decipher fraudulent activities, analyze data, confer with legal counsel and communicate with insurance brokers to gain details for processing claims. Organized, detail-oriented and dedicated to improving efficiency, productivity and profitability through continuous claims handling improvement. Analytical thinker skilled at developing innovative solutions to complex problems. Currently on track to receive CCP and ACP designations from CLM as well as CPCU designation from The Institutes within the next 18-24 months.
Overview
13
13
years of professional experience
Work History
Claims Adjuster
Network Adjusters, Inc.
07.2021 - Current
- Continually handle all pending claims in line with company's best practices
- Currently manage a portfolio of 150+ pending claims which consist of high-exposure general liability claims, including bodily injury, property damage, casualty, and excess/umbrella claims on a security program
- Experience handling third-party auto losses on Business Auto and Business Rental policies
- Collaborate with legal counsel to develop and execute cost effective litigation strategies, resulting in favorable outcomes on 85%+ of litigated cases
- Advanced analysis of contracts assessing risk transfer and limitation of liability
- Analyze and respond to tender demands in a timely manner
- Adept at drafting tender demand letters to third-parties pursuant to contractual obligations
- Participate in mediation, arbitration, and settlement conferences, successfully resolving claims cost effectively
- Provide regular updates and detailed reports to senior management and carriers on claim status, potential exposure, settlement valuation, and litigation procedural status
- Assisted with junior adjusters on claims handling best practices and litigation management
- Advanced ability to reserve claim files appropriately and accurately
- Conducted comprehensive interviews of witnesses and claimants to gather facts and information
- Prepared summaries of damage, payments, and policy coverage
- Reviewed police reports, medical treatment records, and physical property damage to determine extent of liability
- Negotiated with policyholders and claimants to reach mutually satisfactory resolutions
- Identified insurance coverage limitations with thorough examinations of claims documentation and related records
- Maintained claims data in multiple claim systems software
- Determined liability outlined in coverage and assessed documentation such from police and healthcare providers to understand damages incurred
- Prepared coverage letters, tender letters, and reservation of rights documents for managers or legal personnel when appropriate
- Read over insurance policies to ascertain levels of coverage and determine whether claims would receive approvals or denials
- Identified suspicious losses and contacted manager for SIU investigative assistance
- Report to carrier quarterly on high exposure claims via zoom or teams meetings
- Directed and coordinated various investigations conducted by field investigation team
- Negotiated complex settlement agreements to resolve disputes. This involves negotiations with exposures exceeding $1,000,000 policy limits, as well as exposures into excess/umbrella layers of coverage, typically with an underlying policy of $1,000,000 in policy limits
- Incorporated strategic objectives to achieve action plans
- Worked with private investigators and attorneys on preparation of evidence, witness statements, and other documentation in preparation for trial
- Delivered exceptional customer service to policyholders by communicating important information and patiently listening to issues
- Investigated and assessed damage to property and reviewed property damage estimates
Owner/Founder
Pipeline Coffee Company
12.2017 - 04.2021
- Managed day-to-day business operations
- Consulted with customers to assess needs and propose optimal solutions
- Enhanced operational efficiency and productivity by managing budgets, accounts, and costs
- Trained and motivated employees to perform daily business functions
- Established foundational processes for business operations
- Monitored market conditions to set accurate product pricing and take advantage of emerging trends
- Generated revenues yearly and effectively capitalized on industry growth
- Organized and attended trade shows and special events to showcase products, network with other businesses and attract new customers
- Negotiated price and service with customers and vendors to decrease expenses and increase profit
- Interacted well with customers to build connections and nurture relationships
- Tracked trends and suggested enhancements to both challenge and refine company's product offerings
- Assisted in recruiting, hiring and training of team members
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service
- Scheduled employees for shifts, taking into account customer traffic and employee strengths
- Trained and guided team members to maintain high productivity and performance metrics
- Supervised creation of exciting merchandise displays to catch attention of store customers
- Reduced financial inconsistencies while assessing and verifying billing invoices and expense reports
- Managed purchasing, sales, marketing and customer account operations efficiently
- Reduced budgetary expenditures by effectively negotiating contracts for more advantageous terms
- Identified and qualified customer needs and negotiated and closed profitable projects with high success rate
JV Soccer Coach
Kellenberg Memorial High School
08.2016 - 11.2019
- Promoted stretching, mobility work, and proper form to help athletes safely build strength
- Developed and led age- and ability-appropriate soccer training drills
- Established individual goals and monitored player performance to support achievement
- Engaged parents, players and staff to maintain open, constructive communications
- Evaluated players' performance and provided constructive feedback to improve abilities
- Built positive, productive training environments fostering team unity and camaraderie
- Facilitated team building activities and workshops to improve communication, collaboration and productivity
- Motivated athletes to become stronger, more agile, and more effective through training habits and proper nutrition
- Improved player behavior through modeling and disciplinary interventions
- Promoted love of game by assisting players with understanding positioning, play techniques, and teamwork strategies
Carpenter
II Cousins Inc.
05.2012 - 02.2017
- Followed established job site safety regulations and maintained safe and clean work area
- Planned projects by identifying necessary equipment, tools, and required assistance
- Planned and executed work with proper tools and materials to maximize productivity
- Completed installations of building structures, trim, flooring, and cabinetry
- Measured materials to determine sizes and quantity required for construction project
- Measured, drilled and sawed materials to perform successful home improvements
- Assisted in training new carpenters to demonstrate techniques, apply best practices and comply with protocols and regulations
- Cut, shaped and installed siding, roofing and framing to protect interior of properties from harsh weather conditions
- Built and hung custom doors and frames
- Measured, cut and installed drywall, paneling and other materials
- Read and interpreted blueprints and construction documents to determine project directives
Education
Business Administration And Management -
Sacred Heart University
Bridgeport, CT01.2011
Business Administration And Management -
Nassau Community College
Garden City, NY01.2010
Accounting And Business Management -
Adelphi University
Garden City, NY01.2009
Skills
- Active Listening
- Highly motivated
- Critical Thinking
- Team collaboration
- Decision making
- Settlement negotiation
- Coverage assessment and interpretation
- Insurance policy coverage knowledge
- Underwriting knowledge
- Familiar with fraud statutes
- Risk Assessment and Management
- Casualty and property loss
- Legal proceedings knowledge
- Licensed Claims Adjuster License in 25 states nationwide
- Caseload Management
- Record preparation
- Claims Investigation
- Damage Assessment
- Best Practices Implementation
- Advanced oral and written communication skills
- Regulatory Compliance
- Well versed in Microsoft Office
Accomplishments
- Maintained a consistent closing ratio in line with company standards.
- Successfully passed the NYS Series 17-70 Independent General Adjusters licensing exam which has been maintained and remains in compliance to date.
- Acquired and maintained independent general adjuster licenses in over 20+ states.
- Successfully completed the CLM (Claims and Litigation Management) schools of Casualty Claims I and Litigation Management I.
- Successfully founded, owned, and operated a retail and wholesale coffee company from the ground up.
- Successfully ran a fund-raising program through Pipeline Coffee Co. for the Health-working Hero's during the Covid-19 pandemic. Created a 'pay-it-forward' program which raised approximately $40,000 over the course of 2020 to 2021 in order to provide cups of coffee and breakfast sandwiches to the healthcare workers of 20+ healthcare facilities and hospitals, including healthcare workers who visited our two retail stores.
- Success coaching High School soccer team to championship victory in 2018.
Timeline
Claims Adjuster
Network Adjusters, Inc.
07.2021 - Current
Owner/Founder
Pipeline Coffee Company
12.2017 - 04.2021
JV Soccer Coach
Kellenberg Memorial High School
08.2016 - 11.2019
Carpenter
II Cousins Inc.
05.2012 - 02.2017
Business Administration And Management -
Nassau Community College
Accounting And Business Management -
Adelphi University
Business Administration And Management -
Sacred Heart University
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