STEVEN M ANDERSON
Lakeland,FL
Overview
10
10
years of professional experience
1
1
Certification
Work History
Property Desk Adjuster
Clear Point Claims
, CA
05.2023 - 05.2024
- Investigated and analyzed property damage claims to determine coverage, liability, and damages.
- Communicated regularly with clients regarding status updates on their claims.
- Prepared comprehensive reports outlining findings from investigations into property damage claims.
- Maintained accurate records of all investigations into property damage claims.
- Coordinated efforts between adjusters, contractors, attorneys, appraisers, investigators., as needed.
- Delivered exceptional customer service to clients by communicating information and actively listening to concerns.
- Input claim information and payments into company database.
- Analyzed information gathered by investigations and reported findings and recommendations.
- Coordinated emergency repair, cleaning companies and contractors to optimize customer claim handling.
- Reviewed policies to determine appropriate levels of coverage and assist with approval or denial decisions.
- Explained loss coverage, assisted policyholders with itemizing damages and coordinated alternative living arrangements.
DeskAdjuster
Alacrity Solutions
02.2023 - 04.2023
- Explained the benefits of various travel insurance policies to clients.
- Advised customers on travel insurance policies according to their needs.
- Reviewed and evaluated insurance claims for coverage, accuracy, completeness and compliance with company standards.
- Analyzed policy language to determine applicable coverage and benefit levels.
- Negotiated settlements within prescribed authority limits.
- Advised customers on the status of their claim payments or denials.
- Maintained accurate records of all claim activities in accordance with company guidelines.
- Ensured that all claims were settled promptly and equitably according to established procedures.
- Completed required investigations on referred files within established timeframes.
Property Desk Adjuster
Burton Claim Service
, Florida
09.2022 - 12.2022
- Created or updated records with new files or information.
- Served as main point of contact for residential claims after Hurricane Ian.
- Verified details with policyholders and requested additional information.
- Set preliminary A&O reserves for potential LAE expense.
- Analyzed information gathered by investigations and reported findings and recommendations.
- Finalizing claims when submitted estimate requires no revision.
- Coordinated emergency repair, cleaning companies and contractors to optimize customer claim handling.
- Input claim information and payments into company database.
- Responsible for all Coverage decision determinations, Final scope/amount of damages, and determination for all lines of coverage.
- Explained loss coverage, assisted policyholders with itemizing damages and coordinated alternative living arrangements.
- Responsible for all Coverage decisions determinations, Final scope/amount of damages, and determination for all lines of
coverage. - Drafted statement of loss to summarize damages, payments and underlying policy coverage.
- Review of applicable policy form and endorsements, Coverage limits, and deductible.
- Letters of representation, contracts and/or assignments of benefits (AOB).
- Discuss the insured’s post-loss duties, obligations and efforts to protect the risk from further damage.
- Confirm the identity of lienholders/mortgagees, additional insureds, witnesses, third parties,
attorney or public adjuster representation, and AOB vendors.
Remote Desk Adjuster
Alacrity Solutions
Carrollton, TX
03.2021 - 08.2022
- Processed 1000+ Liberty Mutual claims in high volume claims atmosphere.
- Interviewed policy holders and other individuals associated with the claim during the investigation.
- Seamlessly coordinated vehicle inspections, determined liability, managed diary, and settled injury/medical pay claims
- Communicated with the policy holder regarding next steps and findings.
- Applied general knowledge of insurance policy, coverage, and regulations
- Reviewed estimates submitted via field adjusters for accuracy and made corrections if necessary
- Closed files within authority level and rendered checks to insureds
- Processed, closed, and paid large loss and total loss claims.
- Displayed excellent analytical abilities to review, exercise judgement, and evaluate claims in order to make sound decisions within authority level and recommendations within the chain of authority.
- Document reports, discussions, action plans and decision points.
- Handle negotiations and mediation
- Document and respond to all correspondence in a timely manner
- Excellent knowledge of claims procedures, policies, technology, state and federal laws, and insurance regulations.
- Provided top priority customer service in high paced environment
- Reviewed Auto Valuations
Remote Desk Adjuster
470 Claims
03.2020 - 03.2021
- Maintained a pending of approximately 75 claims
- verified policy information for accuracy to determine if coverage is applicable on new claims.
- Developed an investigative action plan to include resolution of coverage issues as required.
- Assisting with daily claim handling and closures
- Processing payments for small and large loss claims and residential claims
- Resolved moderate severity level claims using high service-oriented file handling techniques as defined by established guidelines.
- Ensured that timely contact is made with the insured and claimants as defined by established guidelines.
- Establishing and maintaining effective relationships w/ all involved parties
- Evaluated assigned claims on an ongoing basis and made recommendations for further task assignments to facilitate final claim disposition.
- Contact with Public Adjuster/Attorney to negotiate settlement of releases and awards.
- Assign Forensic Engineer to assist with giving a critical structural report.
- Upload and review of AOB received from PA or attorney.
- Conducted periodic spot checks of all assigned claim files in Guidewire not being followed in a regular diary to ensure compliance with internal and external procedures and guidelines.
- Provided all claims with an updated diary.
Desk Adjuster
FKS Insurance Services
03.2019 - 03.2020
- Received initial claim assignments and verify/investigate coverage, liability, damages, and documented all appropriate information verbally and in writing.
- Responsible for maintaining and growing a relationship between insurance company and current policyholders.
- Demonstrated proficiency with basic computer skills with word processing, spreadsheets, email and internet.
- Adjusts total loss claims within limit of authority.
- Examined claims data, reviewed facts of loss, verified coverage, evaluated settlement value and settlement options
- Performed total loss claims that require analysis and often require negotiation to reach settlement.
- Also responsible for focusing on the needs of loss participants. Identifies customer needs and works to meet those needs using appropriate customer service skills.
- Responsible for resolution of total loss settlements and salvage processing.
- Experience w/ assessing damages due to fire, hail, and daily claims. Processing payments for small and large loss claims residential claims.
- File Ownership
- Experienced in AS400. and Fusion system
Desk Adjuster
CNC Catastrophe & National Claims
02.2017 - 02.2019
- Reviewed residential property/auto claims for property with damages caused by HURRICANE HARVEY.
- Reviewed, examined and determined total loss eligibility
- Total loss handling
- Assessed subrogation damages and reimbursement eligibility within policy limits
- Filed inspections, and detailed comprehensive reports
- Loss of wages
- Additional living expenses
- QA and file reviewing
- FNOL
- Reviewed contractor and repair supplemental damages and issued payment accordingly.
- Conducted recorded statements, gathered detailed information and completed file investigations. Identified and collected evidence and determined its value to a specific claim.
- Explained premiums owed to policyholders, agents and underwriting.
Desk Adjuster
FKS Insurance Services
02.2016 - 12.2016
- Handled over 1000+ claims to resolution
- Initiated first contact
- Reviewed estimates and public adjusters demands
- Reviewed salvage and issued payments to insured contractors, attorneys and public adjusters
- Claim settling and subrogation
- Daily claims
- Original estimate reviews and issuing payments attached to the mortgagee.
- Supplemental damages
- Age/Brittle test slope determination
- Appraisal reports, actual cash value, depreciate, and subrogation reimbursements and payouts
- Resolution Team
- Examined properties with damages caused by wind and hail damage
Desk Adjuster
CRU ADJUSTERS
04.2014 - 02.2016
- Reviewed claims in DP1, DP2, HO3, HO4, & HW policies to confirm coverage for field adjusters for their estimates.
- Paid Member Claims after review of correct information given by field adjuster
- Audited files from other adjusters to ensure correct letters, payments and compliances had been followed.
- Reviewed compliance standards and due dates to assist the company in meeting its state authorized goals.
- Arranged and assisted insureds with the consultations of building consultants and building engineers to settle claims.
- Organized and handled supplements for large loss/total loss
- Established first contact with attorney/public adjusters representing the named insured. Set up defenses in preparation for suit (i.e. request for information, reservation of rights, sworn proof of loss, and recorded statements)
- Facilitated contact between the field adjusters and the representative of insured to ensure inspection completed.
- Despatched general contractors, engineers, leak detection, plumbers, etc. to determine cause and origin and estimate for repair/replacement for property damaged by covered peril.
- Negotiated inflated mitigation invoices
- Invoked examination under oath's and mediation.
- Responded to civil Remedy Notices
- Negotiated and Settled claims with attorney's and public adjusters for release to prevent suit.
Education
Accredited Adjuster Course: State Licensing and Appointment -
Pensacola State College
Skills
- NICTA
- Lexis Nexis
- Tower Hill
- NFIP Certified
- XACTIMATE level one certified
- California Fair Claims Practices
- State Farm Property and Auto Certification
- Federated National Field Certification
- Navigator/Guidewire
- Lumen
- CCC-1
- as400/Image Right
- Mitchell
- Audatex
- Automobile appraisals
- Property claims
- Strong interpersonal and communication skills
- Interviewing techniques
- Claims file management processes
- Property adjusting
- Xactanalysis
- Xactimate
- Homesite
Affiliations
6-20 All Line adjuster License States: Florida, Alabama, Georgia, Louisiana, Michigan, Mississippi, Oklahoma, Texas, North Carolina, South Carolina, Utah, Oklahoma, New York
Certification
Claims Specialist . Lexis Nexis . NICTA . Tower Hill . Xactimate Level 1 certified . NFIP certified . California Fair Claims Practices. Rope and Harness Certified
Timeline
Property Desk Adjuster
Clear Point Claims
05.2023 - 05.2024
DeskAdjuster
Alacrity Solutions
02.2023 - 04.2023
Property Desk Adjuster
Burton Claim Service
09.2022 - 12.2022
Remote Desk Adjuster
Alacrity Solutions
03.2021 - 08.2022
Remote Desk Adjuster
470 Claims
03.2020 - 03.2021
Desk Adjuster
FKS Insurance Services
03.2019 - 03.2020
Desk Adjuster
CNC Catastrophe & National Claims
02.2017 - 02.2019
Desk Adjuster
FKS Insurance Services
02.2016 - 12.2016
Desk Adjuster
CRU ADJUSTERS
04.2014 - 02.2016
Accredited Adjuster Course: State Licensing and Appointment -
Pensacola State College
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