RALPH HARGROVE

• Currently working as a desk adjuster handling public adjuster and attorney represented claims for an IA firm that's a TPA for a FL carrier
• Review timeline and verbiage to determine if Florida Civil Remedy Notices, Intent to Litigate, and Assignment of Benefits followed FL
• DFS guidelines
• Respond with my findings to the attorney, public adjuster, or the assignee of benefits
• If valid, proceed with negotiating and settling losses within the guidelines of the FL
• DFS and carrier guidelines
• Scope losses, document damages, and write comprehensive estimates based on information and photographs gathered on-site while providing excellent customer service
• Negotiating attorney & public adjuster represented losses & made settlement recommendations to Armed Forces Insurance, Bankers, Berkley Southeast, Farmers Mutual of Nebraska, LIGA, Penn National, and Tower Hill
• Provide guidance on large and complex losses for Cincinnati Insurance, IAT Group, Markel, and NCJUA
• Directed claims negotiations within allowable limit of $100,000.00 and supported successful litigations for advanced issues.

• Processed complex and technically difficult large loss claims to completion and wrote comprehensive supplement estimates settling pre-trial attorney-represented claims
• Evaluated building materials and other characteristics of property losses, reviewed engineer reports, and wrote estimates based on information and photos provided
• Conducted forensic estimating through research and geographical location
• Reviewed reports and satellite imagery to determine causation and exposure
• Discussed reports with superiors and gave recommendations
• Improved customer satisfaction by providing timely updates and resolutions to their claims inquiries.
• Developed positive relationships with policyholders, fostering trust through transparency during the claim process.
• Reduced claim processing time by efficiently investigating and evaluating insurance claims.

Closed over 1,600 mediation files and settled claims face-to-face with the insured and mediator

• Achieved 98% closure rate, the highest closure rate of any Pilot adjuster in the program

• Wrote estimates in Xactimate Version 28 based on information documented at inspection and gathered information from the insured regarding damage to autos, homes, and businesses
• Investigated, estimated, and closed large losses, total losses, mediated, attorney-represented public adjustments, and complex claims