Saletha Townsend
Maricopa,AZ
Summary
Experienced subrogation specialist with expertise in claims investigation, liability analysis, and recovery negotiations. Known for precise documentation, insurance law knowledge, and prompt resolution of complex files that improve recovery rates and reduce loss ratios.
Overview
1
1
Certification
7
7
years of professional experience
Work History
Senior Subrogation Specialist
Liberty Mutual
Chandler, Arizona
05.2022 - Current
- Reviewed Liberty Mutual subrogation claims to identify viable recovery opportunities.
- Negotiated settlements with third party insurers to enhance overall recovery rates.
- Negotiated settlement terms with claim and arbitration representatives.
- Prepared recovery demands for responsible carriers and third parties.
- Applied Liberty Mutual claims guidelines to resolve complex subrogation files.
- Investigated liability facts using policy files and accident reports.
- Coordinated evidence requests with adjusters, vendors, and legal teams.
- Documented claim activity in Liberty Mutual systems and case notes.
- Maintained detailed records on all assigned cases including documentation of all communications with third parties involved in a case or claim.
- Conducted research into applicable state laws regarding subrogation rights and limitations.
- Analyzed financial documents, including invoices and bills, to uncover potential recovery sources.
- Advised internal departments on best practices related to subrogation activities.
- Participated in training sessions designed to enhance knowledge of relevant laws and procedures related to subrogation activities.
- Reduced loss ratios through fair and prompt processing of claims.
Liability Claims Adjuster II
Allstate Insurance Co
Chandler, AZ
10.2019 - 11.2020
- Investigated potentially fraudulent claims, emphasizing thoroughness and quality to enhance claims integrity.
- Conducted investigations on referred files, ensuring compliance with established timeframes to support timely claim resolutions.
- Adhered to company and insurance client's guidelines in claims processes and claim closures.
- Drafted statements of loss summarizing damages, payments, and policy coverage to facilitate claims processing.
- Researched and verified insurance policy coverage.
- Reduced loss ratios through fair and prompt processing of claims.
- Coordinated direct repair assignments with local body shops and rental vehicles during restoration processes.
Claims Resolution Representative II
Liberty Mutual
Chandler, AZ
01.2021 - 05.2022
- Leveraged resources and auto claims expertise to evaluate and decide on claims for payment or denial.
- Coordinated communication with internal team members, policyholders, claimants, and witnesses through phone, email, and written correspondence to gather facts of loss for effective claim resolution.
- Explained complex regulations and policy guidelines to clarify the claims process for insured parties.
- Advised policyholders on vehicle repairs and body shop procedures, which enhanced customer satisfaction.
- Completed required investigations on referred files within established timeframes.
- Researched and verified insurance policy coverage.
- Drafted statement of loss to summarize damages, payments and underlying policy coverage.
- Mentored direct and indirect new members of the claims staff in proper procedure.
Education
High School Diploma -
Glendale High School
Glendale, AZ05-1999
Some College (No Degree) - Computer Science
Central Arizona College
Maricopa, AZ10-2026
Skills
- Claims investigation and management
- Settlement and liability oversight
- Claims strategy development
- Insurance verification
- Claims management software
- Strategic negotiation
- Attention to detail
- Verbal and written communication
- Professionalism
Certification
- Active License in multiple states
Timeline
Senior Subrogation Specialist
Liberty Mutual
05.2022 - Current
Claims Resolution Representative II
Liberty Mutual
01.2021 - 05.2022
Liability Claims Adjuster II
Allstate Insurance Co
10.2019 - 11.2020
Some College (No Degree) - Computer Science
Central Arizona College
High School Diploma -
Glendale High School