Sharone L. Smith
Summary
Dedicated and detailed oriented professional in contracts interpretation with a background in home insurance and auto liability claims. Comprehensive knowledge of Subrogation with special knowledge of property damage. Ability to apply knowledge and critical thinking skills to create efficient processes. Skills include various computer applications and analytical thinking.
Overview
19
19
years of professional experience
Work History
Subrogation Recovery Adjuster
GEICO, Government Employees Insurance
08.2010 - Current
- Receives payment recovery referrals from Claims Liability associates and maintains a pending of subrogation claims for physical damage.
- Prepares demand packages for opposing companies by obtaining necessary supporting documentation from the insured, the liability adjuster, or the auto damage adjuster as necessary ensuring all documents included are error-free and accurate.
- Customer contact - provides information regarding subrogation procedures, terms, and requirements. Notify opposing companies of our subrogation and right of recovery. Pursues funds owed by the adverse carrier by following a detailed resolution strategy to bring the file to a successful resolution.
- Tracks and monitors recovery payments as well as issue and process payments to internal customers. Also, verify receivables accuracies and issue refund payments to opposing companies as needed.
- Top performer in subrogation file evaluations and audits in accuracy and complying with federal/state insurance requirements.
- Communicates effectively with external and internal clients at predetermined intervals via telephone or written correspondence to obtain/notify of subrogation claim status.
- Evaluates claims for further recovery efforts (escalating to arbitration, litigation, etc.) as necessary.
- Increased overall productivity by managing a large caseload while maintaining strict attention to detail and accuracy in documentation.
- Ensured compliance with state regulations and company policies through diligent review of all claim-related materials.
- Maintained strong relationships with policyholders, agents, and colleagues by consistently demonstrating professionalism, empathy, and effective communication skills.
Liability Claims Adjuster
GEICO, Government Employees Insurance
08.2010 - Current
- Investigated auto and medical claims thoroughly, by obtaining statements and analyzing evidence from involved parties to determine fault accurately.
- Reduced claims processing time by implementing efficient workflow strategies and prioritizing tasks.
- Enhanced customer satisfaction by providing timely updates on claim status and addressing concerns promptly.
- Collaborated with legal teams for successful case resolutions, ensuring proper documentation was submitted.
- Analyzed and determined insurance policy coverages for incidents by researching and interpreting policyholder’s contract, in respect of insurance regulations and state statues.
- Processed payments on claims to policyholders and third-party vendors such as body shops, medical facilities, and banks based on policy provisions, company policies, and insurance regulations.
- Opened, closed, and adjusted company reserves in accordance with company practices to ensure reserve adequacy for payments.
Home Insurance Agent
Geico
08.2010 - Current
- Educated clients on the importance of adequate insurance coverage, fostering trust and loyalty among the existing client base.
- Efficiently managed policy renewals, ensuring timely processing and accurate coverage updates.
- Collaborated with underwriters to assess risk and determine appropriate coverage options for clients.
- Conducted thorough policy reviews with existing clients, identifying gaps in coverage and offering additional protection options when necessary.
- Facilitated smooth transitions between carriers when needed, minimizing disruptions to client coverage and maintaining positive relationships with all parties involved.
- Maintained accurate records of all transactions, ensuring compliance with company policies and regulatory requirements.
- Assisted clients in navigating the often complex claims process, ensuring they received fair and timely resolutions.
- Responded to customer calls swiftly to resolve issues and answer questions.
- Educated clients on insurance policies and procedures.
- Resolved customers’ complaints in a professional manner and ensured customers satisfaction.
- Created formula via Excel to analyze/forecast agent’s metrics as well as assisting in achieving departmental goals and requirements.
- Selected to work on special projects; transferred and rewrote home insurance policies to other underwriting companies by reviewing and analyzing customers’ needs and risk.
Business Manager/Interior Design Consultant
Expo Design Center/ Purpose By Design, Inc
01.2005 - 08.2010
- Project Management- oversaw installation of materials, and other design elements while establishing parameters and managing project schedule.
- Procurement of products, such as textiles, home accessories, furniture, and office materials.
- Developed space planning concepts, color palette selections, and textile presentations. Presented design proposals to clients to establish clear project expectations and goals.
- Assisted clients in selecting finishes, materials, flooring, counters, cabinets and appliances based on client needs and budgets for cohesive kitchen design projects.
- Collaborated with contractors and suppliers Negotiated price and service with customers and vendors to decrease expenses and increase profit. for smooth execution of design plans within budget.
- Communicated with customers and vendors positively with particular attention to problem resolution.
- Developed/Created subcontract solicitations to service customers and administered subcontracts and agreements.
- Reviewed invoices and approved and processed payment to subcontractors.
- Facilitated requests regarding product information, installations methods, and product upgrades.
- Consistently met sales targets by understanding client needs and offering personalized design services that exceed expectations.
- Ensured timely vendor payments by effectively managing accounts payable and maintaining strong relationships with suppliers.
- Generated invoices upon receipt of billing information and tracked collection progress.
Education
Bachelor of Arts - Business Administration
University of South Carolina - Columbia
Columbia, SCSkills
- Microsoft Suite
- Xactimate
- Project Management
- Contract Development
- Procurement
- Analytical thinking
- Skilled Multi-tasker
- Customer Service Oriented
PERSONAL INTEREST/HOBBIES
- Member of local Church’s Finance team
- Sunday School and New Members Orientation Instructor
- Coordinated and organized community events
- Military Spouse – previously volunteered with the American Red Cross
- Health and fitness
- Interior Design
Timeline
Subrogation Recovery Adjuster
GEICO, Government Employees Insurance
08.2010 - Current
Liability Claims Adjuster
GEICO, Government Employees Insurance
08.2010 - Current
Home Insurance Agent
Geico
08.2010 - Current
Business Manager/Interior Design Consultant
Expo Design Center/ Purpose By Design, Inc
01.2005 - 08.2010
Bachelor of Arts - Business Administration
University of South Carolina - Columbia
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