Sharl Tillman
St Louis,MO
Summary
Accomplished Property Claims Adjuster with a proven track record at Kemper Life, adept in policy interpretation and damage assessment. Skilled in leveraging technical knowledge and excellent people skills to process over 25 claims weekly, ensuring accurate, compliant, and timely resolutions. Expert in enhancing client satisfaction and mitigating losses through critical thinking and decision-making.
Overview
30
30
years of professional experience
Work History
Property Claims Adjuster
Kemper Life
12.2014 - Current
- Advised others on legal and regulatory compliance matters.
- Prepared reports of findings of investigations.
- Exercised proper judgment and decision making to analyze over 25 - 30 claims per week.
- Reviewed police reports, medical treatment records, and physical property damage to determine extent of liability.
- Investigated claims by reviewing policy contracts to determine claim coverage based on cause and facts of loss.
- Carefully reviewed claim information to verify accuracy and avert fraudulent claims.
- Developed and maintained working relationships with independent adjusters and contractors to assist in prompt claims handling.
- Developed effective techniques to mitigate losses.
- Used Xactimate XactAnalysis to compile estimates for personal property and structure damage.
- Identified insurance coverage limitations with thorough examinations of claims documentation and related records.
- 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 investigative assistance.
- Examined claims forms and other records to determine insurance coverage.
- Maintained contact with claimants and attorneys to determine treatment status.
- Analyzed information gathered by investigation and reported findings and recommendations.
- Investigated and assessed damage to property and reviewed property damage estimates.
Commercial Claims Adjuster
Firemans Fund
02.2002 - 04.2013
- Verified insurance claims and determined fair amount for settlement.
- Conducted comprehensive interviews of witnesses and claimants to gather facts and information.
- Reviewed police reports, medical treatment records, and physical property damage to determine extent of liability.
- Prepared summaries of damage, payments, and policy coverage.
- Answered customer questions regarding deductibles.
- Examined claims forms and other records to determine insurance coverage.
- Maintained suspicious claims database and prepared reports for supervisors.
- Evaluated insurance policies and analyzed damages to determine coverage.
- Negotiated with policyholders and claimants to reach mutually satisfactory resolutions.
- Documented all investigation activity and presented reports to management.
- Researched and analyzed policy contracts to verify proper payment of claims.
- Trained other claims staff members on proper handling and evaluation of injury claims.
Independent Insurance Agent
American Family Insurance
03.1994 - 09.2003
- Responded to customer calls swiftly to resolve issues and answer questions.
- Determined client needs and financial situations by listening and scheduling fact-finding appointments.
- Maintained high standards of customer service by building relationships with clients.
- Approached potential clients by using direct marketing mailings and phone contacts.
- Built relationships with clients using active listening and issue resolution to provide excellent service.
- Monitored changes in insurance industry to stay compliant with relevant laws and regulations.
- Negotiated with insurance underwriters to obtain better coverage and improved rates for clients.
- Prepared and reviewed insurance applications to verify compliance with regulations.
- Cross-sold insurance products to existing clients to reach sales targets.
- Investigated and processed claims swiftly to keep customers satisfied.
- Calculated premiums and established payment methods for sales.
- Analyzed customer needs to provide customized insurance solutions.
Education
OPEX Six Sigma - Licensing And Appointing
Fireman's Fund Offered
O'Fallon, MO04.1999
Senior Claims Law Associate - Claims
Fireman's Fund Offered
Ofallon03.1999
Skills
- Property Inspection
- Personal accountability
- Damage Assessment
- Logical
- Technical knowledge
- Claims Processing
- Excellent people skills
- Policy Interpretation
- Claims Investigation
- Analytical-minded
- Insurance policy knowledge
- Excellent time management skills
- Critical Thinking
- Claims Evaluation
- Client Interviewing
- Team Collaboration
- Policy investigations
- Coverage Assessment
- Decision-Making
- Active Listening
- Title Examination
Timeline
Property Claims Adjuster
Kemper Life
12.2014 - Current
Commercial Claims Adjuster
Firemans Fund
02.2002 - 04.2013
Independent Insurance Agent
American Family Insurance
03.1994 - 09.2003
OPEX Six Sigma - Licensing And Appointing
Fireman's Fund Offered
Senior Claims Law Associate - Claims
Fireman's Fund Offered