Seasoned claims adjuster with two decades in insurance and risk management, focusing on auto liability and complex litigation. Demonstrated success in minimizing claim cycle durations and achieving positive outcomes through strategic negotiations. Prioritizes outstanding customer service and cultivates robust relationships with stakeholders. Known for a proactive approach to problem-solving and unwavering work commitment.
Hi, I’m
Patrick Westbrooks
Senior Claims Adjuster
Smyrna,GA
Summary
Overview
31
years of professional experience
5
Certifications
1
Language
Work History
Charles Taylor TPA
Senior General Auto Liability Adjuster
01.2023 - 12.2023
Job overview
- Including bodily injury and property damage claims and exposures. Total loss settlements/salvage negotiations. First and 3rd party bodily injury claims handling both unrepresented and attorney represented injury and property damage exposures. Handled case pending load on 200-144 monthly. To include School Bus Auto liability investigation and damages claims for Auto damage. Litigation handling included mediations/arbitration and bodily injury demand reviews/evaluation and settlements. Strong expertise in assessing liability, negotiating settlements, and managing litigation processes. Skilled in analyzing policy coverages, investigating claims, and communicating with insureds and attorneys. Proficient in various claims management systems and dedicated to providing exceptional customer service.
- Senior Property Claims Adjuster
Assurant Inc
Senior Property Claims Adjuster
08.2021 - 01.2022
Job overview
- Responsibilities: NFIP (National Flood Insurance Policy) Senior Property Claims Adjuster Handled residential and commercial property wind and hail plus flood damages claims caused by Hurricane Irma from start to finish which included multi-jurisdictional states. Claims caseload ranged from 150-300 flood claims. Interpreted National Flood Policy guidelines, rules and exclusions. Prepare denials and make partial and full settlement payments to policyholders. Managed property claims payments from 250, 000 - 500, 000 and with excess exposure components Managed complex property claims, leading investigations and negotiations with stakeholders effectively. Analyzed coverage, interpreted policy language, and provided timely claims resolutions. Utilized Xactimate software to estimate repair costs for property damage claims accurately.
Southwest Adjusters
Senior Property CAT Adjuster
10.2018 - 05.2019
Job overview
- Extensive expertise in interpreting policy language and determining coverage for property losses. Skilled in negotiating settlements with policyholders, contractors, and attorneys. Proven track record effectively managing large caseloads and meeting strict deadlines. Provided Quality Customer Service to Insureds. Review member-insured files for accuracy of policy payments. Issued payments on member insureds in a timely and accurate manner. Provided insured with information pertaining to policy coverage and expectation of claim. Responsible for 25k claim authority for Fair plan and Beach Polices Calculated and Configure Recoverable Depreciation and Supplemental Payments in Xactimate. Responsible for Full and Partial Declination of coverage determination decisions. Interpret and identify documents including estimates, invoices provide settlement to insureds. Processed appeals, disputes correspondence claims and supplements as well as analyzing coverage and loss applicability & assessment to policy.
ASI - CAT Claims
Senior Litigation Property Attorney
09.2017 - 12.2017
Job overview
- Responsible for negotiations/adjudication and settlement/resolution handling DP3, HO3, HO4, NH3 Coverage Analysis/Declinations/Coverage Decision using multiple Software Interfaces Tools Xactimate/Symbols/Xact-A/and Various other property & residential industry software tools Managed high Property & Residential Claims Pending from 100155 reserved over 5million inventory CAT le handling from initial investigation handling payments, supplements & recoverable depreciation Responsible for managing and reserving 100-175 Pending Property & Residential caseload Reduced high level of 5million residential Property claims down to 100 remaining only supplements 100%. Insured Policyholder Positive & Cost Effective Claims settlement outcome resolution Highly successful and productive negotiating 5 million Property & Residential Hurricane Irma Claims Property Residential CAT Claims Adjuster Managed high volume of Residential and Property Claims from inception to close Responsible for Initial Contact/Reserves/Claim Mgmt/Verification of Damages DP3, HO3, NH3 Coverage Analysis using software Xactimate/Pact-Analysis/Estimates & Collaboration CAT File Handling of Hurricane Irma & Harvey Claims adjudication of Florida & Texas and Georgia Accountable for Independent Adjustment of Pending caseload of 75-100 claims weekly Responsible for Quality Closures of 5-7 claims less daily to include Accurate & Timely Claim Payments 100% Insured Policyholder Claims Outcome Resolution Survey Satisfaction.
Georgia Insurers Insolvency Pool
Senior Insolvency Adjuster
06.2014 - 08.2017
Job overview
- Manage high volume of Non-Standard & Standard Auto & Casualty Claims 150-250 Inventory. Responsible for investigation, coordination, reserving, and adjudicating settling exposures with a high concentration of litigation claims involving multiple claimants. Successfully examination and locating other solvent insurance lines of coverage. Managed complex insolvency claims, coordinating with legal and financial stakeholders for resolution. Analyzed financial data and effectively communicated claim outcomes to clients. Strong knowledge of insolvency laws and regulations, ensuring compliance in claim handling. Led team mitigating losses and maximizing recoveries for creditors in insolvency cases.
Morgan & Morgan
Litigation Case Manager
09.2013 - 05.2014
Job overview
- Managed personal injury Auto Liability and Property Casualty Bodily Injury Exposures 80140 claims caseload daily. Responsible for maintaining 43% of personal injury caseload in demand status monthly. Managed a high caseload of complex litigation cases from inception to resolution. Conducted legal research, drafted pleadings, and communicated with clients and opposing counsel. Developed case strategies, coordinated with experts, and prepared for trial. Maintained detailed case les, tracked deadlines, and updated clients on case status.
Southern Casualty Ins. Co.
Claims Consultant/Contractor
03.2011 - 09.2013
Job overview
- Managed claims caseload Auto Liability and Casualty Bodily Injury Exposures Multijurisdictional States to include Louisiana, Georgia, Florida, Texas, Mississippi and other states. Led evaluation of hundreds of insurance claims, ensuring accurate settlement and client satisfaction. Developed and implemented strategies to streamline claims processes, improving efficiency and customer service. Collaborated with clients to assess property damage, negotiate settlements, and resolve claims disputes. Provided expert guidance on policy interpretation, coverage limitations, and claims documentation requirements. Responsible for accurate claim case reserving and casualty evaluation and maintained 100% weekly closure for daily 24hr contact on all new claims.
Assurance America Ins Co.
Litigation Claims Adjuster
08.2008 - 10.2010
Job overview
- Managed Property Exposures and Non-Standard Auto Claims Inventory Claims Caseload 180-200 for Multi-Jurisdictional States to include Louisiana, Georgia, Texas, Florida. Analyzed claims and negotiated settlements with clients, demonstrating strong negotiation skills. Resolved complex insurance claims quickly and efficiently, showcasing strong problem-solving abilities. Developed expertise in insurance policies and regulations, ensuring accurate claims processing. Collaborated with legal counsel to analyze and strategize complex litigation cases.
Firemans Fund Ins. Co.
Senior Litigation Adjuster
06.2006 - 07.2008
Job overview
- Managed 1 million to 4 million of General and Property Liability and Litigation exposures including premises and products completed operations, with a strong emphasis in Multijurisdictional States. Investigated and adjudicated auto liability claims exposures with minimum 1 million limits within multi-jurisdictional states, applying the appropriate negligence law. Liability Responsible for the litigation management of over 160 caseload required recommendations for mediation, arbitration, pre- and post-trial reporting as well as cost effective settings resolution. Conducted thorough investigations to evaluate liability and damages in complex litigation cases. Negotiated settlements with opposing parties to efficiently resolve legal disputes and claims. Drafted legal documents, including pleadings, motions, and settlement agreements. Managed a high-volume caseload with a focus on timely resolution and cost-effective outcomes.
Utiliquest LLC
Risk Manager
02.2004 - 03.2005
Job overview
- Maintained exposures of over 1-2 million dollars auto, fleet, and litigation inventory. Implemented comprehensive risk management strategies to minimize financial losses and protect assets. Developed and maintained strong relationships with insurance providers and other risk mitigation partners. Conducted thorough risk assessments to identify potential threats and vulnerabilities to the organization.
The Hartford Ins. Co.
Litigation Analyst
05.1999 - 04.2004
Job overview
- Managed and facilitated Property & Residential exposures with policyholders and negotiated litigation claims to resolution. Including Mediation, Arbitration and ADR remedies up to and including trials. Analyzed legal documents and researched case law to assist with litigation strategy. Prepared detailed summaries and reports for attorneys to facilitate case management. Conducted thorough investigations to gather evidence and support legal arguments. Collaborated with team members to develop trial presentations for court proceedings.
Superior Ins. Co.
Claims Representative III
02.1996 - 03.1999
Job overview
- Managed complex claims processes for over 500 clients, ensuring timely resolution. Negotiated and settled claims worth over $1 million with exceptional attention to detail. Conducted thorough investigations and obtained relevant information to support claims decisions. Provided excellent customer service, resolving issues efficiently and maintaining positive relationships. Scheduled and conducted pre-trial conferences, mediations, and arbitration proceedings. Augmented multiple lines and state exposures and evaluated medical reports and injury demand packages.
State Farm Ins. Co.
Senior Claims Adjuster
03.1993 - 01.1996
Job overview
- Responsible for negotiating property damage and serious bodily injury exposures. Over 100-200 Claims caseload handling auto property damage claims. Skilled in negotiating settlements with claimants, attorneys, and insurance companies. Extensive knowledge of insurance laws, policies, and regulations regarding auto liability claims. Strong communication skills in building rapport and resolving disputes with stakeholders.
Education
University of PhoenixDunwoody, GA
MBA from Business & Risk Management
01.2007
University Overview
University of CharlestonCharleston, WV
BS from Business Management
05.1987
University Overview
Skills
Customer support proficiency Negotiation strategies Legal expertise Organizational skills Decisive action Communication skills Multi-tasking ability
Certification
Xactimate & Xactanalysis Intermediate
Timeline
Senior General Auto Liability Adjuster
Charles Taylor TPA
01.2023 - 12.2023
Senior Property Claims Adjuster
Assurant Inc
08.2021 - 01.2022
Senior Property CAT Adjuster
Southwest Adjusters
10.2018 - 05.2019
Senior Litigation Property Attorney
ASI - CAT Claims
09.2017 - 12.2017
Senior Insolvency Adjuster
Georgia Insurers Insolvency Pool
06.2014 - 08.2017
Litigation Case Manager
Morgan & Morgan
09.2013 - 05.2014
Claims Consultant/Contractor
Southern Casualty Ins. Co.
03.2011 - 09.2013
Litigation Claims Adjuster
Assurance America Ins Co.
08.2008 - 10.2010
Senior Litigation Adjuster
Firemans Fund Ins. Co.
06.2006 - 07.2008
Risk Manager
Utiliquest LLC
02.2004 - 03.2005
Litigation Analyst
The Hartford Ins. Co.
05.1999 - 04.2004
Claims Representative III
Superior Ins. Co.
02.1996 - 03.1999
Senior Claims Adjuster
State Farm Ins. Co.
03.1993 - 01.1996
University of Phoenix
MBA from Business & Risk Management
University of Charleston
BS from Business Management