Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Robert Pratt

Red Oak,TX

Summary

To obtain knowledge and experience with the greatest departments of insurance. To lead, to teach and to be challenged in an industry that needs the best professionals. Motivated claims adjuster specializing in personal, property and casualty loss and damages. Negotiates peaceful resolutions of all claims with emphasis on fairness and thoroughness. Trustworthy and dependable. Service-oriented claims adjuster skilled at applying creative approaches to solving complex problems. Adept at developing profitable and quality-focused processes.

Overview

6
6
years of professional experience
1
1
Certification

Work History

Liberty Mutual - Property Desk Adjuster

Alacrity Solutions
Carrollton, TX
02.2023 - 10.2023
  • Resolved complex, severe exposure claims using high service oriented file handling
  • Analyzed information gathered by investigation and reported findings and recommendations
  • Maintained claims data in claims connect systems
  • Carefully reviewed claim information to verify accuracy and avert fraudulent claims
  • Investigated claims by reviewing policy contracts to determine claim coverage based on cause and facts of loss
  • Examined claims forms and other records to determine insurance coverage
  • Followed up on potentially fraudulent claims initiated by claims representatives
  • Researched claims and incident information to deliver solutions and resolve problems
  • Maintained contact with claimants and attorneys to determine treatment status
  • Generated, posted and attached information to claim files
  • Made contact with insurance carriers to discuss policies and individual patient benefits
  • Posted payments to accounts and maintained records
  • Processed and recorded new policies and claims
  • Collaborated with internal departments and external vendors to achieve fast resolution of claims
  • Negotiated claim settlements with claimants and attorneys to resolve claims efficiently and fairly
  • Analyzed and addressed escalated claims to resolve issues quickly
  • Followed up with customers on unresolved issues
  • Worked productively in fast-moving work environment to process large volumes of claims
  • Performed 75+ field investigations of damaged properties every month
  • Directed claims negotiations within allowable limit of $150,000.00 and supported successful litigations for advanced issues.
  • Handled supplemental claims

Security First Insurance - Property Desk Adjuster

Team One
Irving, TX
09.2022 - 02.2023
  • Investigated claims by reviewing policy contracts to determine claim coverage based on cause and facts of loss
  • Prepared sketch of floor plan and roofline and entered data into mobile claims to develop line-by-line item costs of damages
  • Coordinated and managed field investigations, outside engineers, contractors and cause and origin experts
  • Developed effective techniques to mitigate losses
  • Used Xactimate to compile estimates for personal property and structure damage
  • Scoped and photographed properties for defects and damage
  • Developed and maintained working relationships with independent adjusters and contractors to assist in prompt claims handling
  • Prepared comprehensive reports to negotiate purchase price and repair of properties
  • Identified insurance coverage limitations with thorough examinations of claims documentation and related records
  • Investigated properties to determine extent of damage and estimate repair costs
  • Clarified coverage of losses to policyholders and provided assistance in itemizing damages and finding alternative living arrangements
  • Worked productively in fast-moving work environment to process large volumes of claims
  • Analyzed and addressed escalated claims to resolve issues quickly
  • Updated claims system to track claim status and provide relevant information to other department
  • Prepared and presented detailed reports to management on claims issues to aid in decision making
  • Developed and implemented strategies to improve claim processes
  • Directed claims negotiations within allowable limit of $150,000.00 and supported successful litigations for advanced issues.

Liberty Mutual - Property Desk Adjuster

Alacrity Solutions
Carrollton, TX
08.2021 - 09.2022
  • Adjuster – National Catastrophe Team, Followed up with insured individuals regarding premium and deductibles payments
  • Reviewed new files to determine current status of injury claim and to develop plan of action
  • Testified on behalf of agency as part of criminal and civil proceedings
  • Collaborated with claims department and industry anti-fraud organizations to resolve claims
  • Followed up on potentially fraudulent claims initiated by claims representatives
  • Evaluated all evidence with ultimate goal of creating positive outcomes for client's claims
  • Investigated, determines coverage of loss and adjusts all elements of property loss claims of moderate-high severity
  • Established timely reserves and performed ongoing reviews throughout claims-cycle by estimating and validating value of claims
  • Worked with and provided claim-specific guidance to Field Adjusters
  • Managed over 50 policyholders daily
  • Investigated and assessed damage to property and reviewed property damage estimates
  • Verified insurance claims and determined fair amount for settlement
  • Prepared summaries of damage, payments, and policy coverage
  • Followed up with customers on unresolved issues
  • Reviewed applications and supporting documents to verify claims eligibility and accuracy
  • Adjusted and made corrections to claims estimates
  • Handled supplemental claims.

Light House Insurance - Field Adjuster

Mid-America Catastrophe
Mobile, AL
02.2021 - 04.2021
  • Examined claims forms and other records to determine insurance coverage.
  • Assisted homeowners by coordinating vendor services, emergency repair, cleaning and contractors.
  • Directed and coordinated various investigations conducted by field investigation team.
  • Researched claims and incident information to deliver solutions and resolve problems.
  • Analyzed information gathered by investigation and reported findings and recommendations.
  • Directed claims negotiations within allowable limit of $30,000.00 and supported successful litigations for advanced issues

All State - Property Claims Desk Adjuster

Pilot Catastrophe Services
Mobile, AL
08.2020 - 12.2020
  • Handled both first party and third party claims under multiple policy types and numerous endorsements.
  • Investigated origin and cause of claims by contacting appropriate parties.
  • Responded to customer inquiries, made appropriate decisions and closed files.
  • Verified insurance claims and determined fair amount for settlement.
  • Answered customer questions regarding deductibles.
  • Negotiated with policyholders and claimants to reach mutually satisfactory resolutions.

Field Property Claims Adjuster

Level III Adjusting Services
Dallas, TX
01.2018 - 02.2019
  • Investigated and determines coverage of loss and adjusts all elements of Property Loss claims
  • Conducted inspections of loss sites
  • Handled wind and hail claims in Dallas/Ft
  • Worth Texas area
  • Completed FNOL and initial inspection
  • Explained coverage and assisted policy holders with any questions or concerns
  • Prepared declination and reservation of rights letters
  • Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting
  • Worked flexible hours; night, weekend, and holiday shifts
  • Resolved problems, improved operations and provided exceptional service
  • Completed paperwork, recognizing discrepancies and promptly addressing for resolution
  • Led projects and analyzed data to identify opportunities for improvement.

Education

Bachelor of Science - Public Health / Health Sciences

Dillard University
New Orleans, LA
05.2018

Skills

  • Coverage determination
  • Insurance policy coverage knowledge
  • Hail and wind damage specialist
  • Policy investigations
  • Good communication skills (verbal, listening, writing), including ability to deliver difficult messages to
  • Personal, casualty and property loss
  • Interior water damage background

Certification

  • Texas All Lines Adjuster license (Home State)
  • Kentucky Independent Adjuster License
  • West Virginia Company Adjuster License
  • Oregon Adjuster License
  • Alabama Adjuster License
  • Michigan Non- Res Insurance Adjuster License
  • Delaware Independent Adjuster License
  • Oklahoma Independent Adjuster License
  • Maine Independent Adjuster License
  • New Hampshire Adjuster License
  • Idaho Adjuster License
  • Utah Adjuster License
  • TWIA certification
  • Saas certification
  • Xactimate Level 2 certification

Timeline

Liberty Mutual - Property Desk Adjuster

Alacrity Solutions
02.2023 - 10.2023

Security First Insurance - Property Desk Adjuster

Team One
09.2022 - 02.2023

Liberty Mutual - Property Desk Adjuster

Alacrity Solutions
08.2021 - 09.2022

Light House Insurance - Field Adjuster

Mid-America Catastrophe
02.2021 - 04.2021

All State - Property Claims Desk Adjuster

Pilot Catastrophe Services
08.2020 - 12.2020

Field Property Claims Adjuster

Level III Adjusting Services
01.2018 - 02.2019

Bachelor of Science - Public Health / Health Sciences

Dillard University

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Robert Pratt