Taj Edwards

* Wind storms and Tornadoes * Hurricane Beryl * Provided training and guidance on best practices for handling new and existing claims. * Developed procedures to streamline the claims process, improving overall efficiency. * Supervised a team of 12 claims examiners, ensuring efficient and accurate claims processing. * Conducted performance evaluations and provided coaching to enhance team productivity and quality. * Reviewed and authorized complex or high- value claims, ensuring compliance with policy terms, regulatory requirements, and company guidelines. * Served as the escalation point for complex claims disputes, resolving customer complaints through effective communication and negotiation. * Conducted regular audits of claim files, identifying areas of improvement and ensuring adherence to company standards. * Maintained accurate records of all claim activities including payments, denials, and appeals. * Assisted the claims examiner in reaching settlement agreements between the contractors and insureds. * Approved all indemnity and expense authority requests within the applicable managerial scope. * Reviewed and approved coverage letters including but not limited to; Full Declinations, Partial denials, Reservation of Rights, DOI Complaint Acknowledgements, or any letters which include the policy language. * Completed calendar file reviews/Audits to promote the appropriate file progression. * Maintained and revised policy procedures for compliance. *Identified and reassigned large loss and commercial claims to the appropriate handlers. *Collaborated with leadership to devise strategies to improve processes and risk controls as well as implement best practice guidelines.

*Hurricane Debby * Hurricane Helene * Hurricane Milton * CAIS Management (Onboarding, offboarding and information accuracy) * Operated as the liaison between client and firm relations * overseeing project implementation, production reports, financial and administrative oversight, while administering adjuster development and coaching opportunities. * Met with clients, firm leaders, project managers and stakeholders to report project progress. * Reviewed and approved payroll * conducted interviews for onboarding as well as made the executive decision regarding personnel release and/or offboarding. * Oversaw a CPIC Tier 3 team of 4 managers, and 40 Desk adjusters. * Worked with I.T./Managers to successfully to onboard adjusters to their new assignments. * Developed and implemented strategies for vendor onboarding, training, and performance management. * Recruited, hired and trained new hires to optimize productivity. * File reviewer

* Managed Commercial Products including, but not limited to: Worker's Comp., Commercial Auto, General Liability, Commercial Package Policies, Business Interruption, Property damage, and bodily Injury. * Reviewed and approved coverage to cover loss of income due to unexpected events disrupting business operations. *Reviewed and approved residential and commercial indemnity, expert, and vendor payments. * Drafted settlement letters for the assigned commercial desk adjuster. * Completed the settlement calls for the assigned desk adjuster explaining the merit of the coverage determination. * Composed denial letters, withdrawal letters, and completed the statement of loss. * General Liability * Reviewed Condominiums, small business, and commercial auto claims. * Heavy Machinery * hotels, hospitals, post offices, restaurants, playgrounds, dental offices, jewelry stores, churches. * Reviewed flood claims with the applicable endorsements. * Business owner policies * Condominium Policies(HW-6) * Apartment buildings * Reviewed and approved architect, building consultants, and crane vendors * Tarping and ladder assist approval

* Managed a team of 15 desk adjusters and 1 team lead (Residential and Commercial) * Investigated loss wages and business interruptions. * Regulated compliance, training, Onboarding, Orientation and communicated assignment expectations. * Reviewed client metrics and disseminated a daily/weekly plan of action to reach the carriers’ expectations. * Collaborated with the quality team regarding quality assurance reviews. * Reviewed and approved statement of loss which summarized damages, payments, and underlying policy coverage. * Ageas Select Home Insurance: Multi-peril, all risk and wind only policies. * Reviewed photos, reports, mitigation documents and itemized content lists to determine large loss exposure. * Named Storm Agnes. * Approved all large loss indemnity/expense authority reserve and payment requests. * Coordinated team meetings, Coaching Opportunities, and performance discussions. * Communicating recoverable and non-recoverable depreciation * Business owner policies (BOP) * General Liability * Reviewed Condominiums, small business, and commercial auto claims. * Heavy Machinery * hotels, hospitals, post offices, restaurants, playgrounds, dental offices, jewelry stores, churches. * Reviewed flood claims with the applicable endorsements. * Composing denial letters, payment letters, and completing the statement of loss * Reviewing dry logs and mold remediation invoices as well as establishing water mitigation assignments. * Reviewing comparative estimates, prior payments and contractor estimates for supplemental payments. * Negotiating and settling water mitigation and mold remediation invoices. * Proficient in handling limited fungi and water sump pump endorsements.

* Operated as the liaison between client and firm relations * overseeing project implementation, production reports, financial and administrative oversight, while administering adjuster development and coaching opportunities. * MCM Program (Managed claim model) leadership * Met with clients, firm leaders, project managers and stakeholders to report project progress. * Reviewed and approved payroll * conducted interviews for onboarding as well as made the executive decision regarding personnel release and/or offboarding. * Hurricane Ian * Hurricane Nicole * Large loss * ADR (Alternative Dispute Resolution) * Complex handling * Daily Claim handling * Oversaw teams of up to 7 managers, and 90+ Desk adjusters * The teams were split between residential and commercial adjusters and specialists. * Oversaw the General adjuster in a team environment. * Assumed residential and commercial policies through insolvency of different Florida carriers * Identified and created an experienced team that was efficient in handling business interruptions. * Multi-peril and wind only policies * Mobil homes * Condominium Policies(HW-6) * Apartment buildings * Reviewed and approved architect, building consultants, and crane vendors * Tarping and ladder assist approval * knowledgeable of natural disaster, flood, earthquake, negligence, wear and tear, and act of war exclusions * Appraisal, DFS and DOI Complaint Segment meetings with the carrier to devise a progressive strategy for the matter. * Salvage * Subrogation * 1st Party Liability * Reviewed Flood Declinations and partial denial letters with the managers to disseminate with their teams before being dispatched. * Reviewed and approved reserves/payments that exceeded $125,000 Indemnity. * Client/firm billing. * Orchestrated adjuster Deactivation through vendor administration/management. * Led the desk adjuster negotiations and settlement training in relation to settlement releases, concessions, and AOB Invoices. * Worked with IT to successfully TE onboard adjusters to their new assignments

* Managed matters as the Corporate Representative. * Reviewed and approved The Answers and Affirmative Defenses, propounded discovery, and postured for the Motion for Summary Judgement * Attended Depositions as the Corporate Representative * Attended Mediation, Arbitration, and trigger calls *Prepared documentation and the synopsis for the pre-trial, round table and water conferences * Approved the drafted Proposal for settlement * Acknowledged the Judge's Case Management Order designating the applicable trial deadlines * Assessed the Initial Case and Triage Evaluations * Assigned a pending of 80+ matters which were triaged for trial, discovery, scope & Pricing or settlement. * Reviewed the Motions to Compel, Limine, Dismiss, Sanctions, Extension of time, Summary Judgement, Protective orders, Deuces Tecum and any/all applicable motions. * Tendered the Indemnity and Expense Invoices pertaining to settlement and legal fees * Approved Defense Counsel's Budget *Reviewed the Initial Complaint, the dispute, the public adjuster's estimate as well as the Attorney's demand. * Reviewed the Opposing Counsel expert discovery, witness, and Exhibit list. * Granted authority to the defense counsel to proceed with negotiations for settlement candidates

* Supervised a team of up to 50 field adjusters (Residential and Commercial). * Coordinated team meetings, coaching opportunities, and performance discussions. * Managed the residential and commercial desk units * Approved large loss and commercial reserve approvals * Managed a team of 8 residential desk adjusters, field adjusters and 5 commercial desk adjusters. * Managed the field help desk and file reviewer submissions. * Liability * Sinkhole loss coverage (endorsement) * Personal property replacement cost endorsement. * Authorized architects, building consultants, and crane vendors. * HO-6 Policies. * HW-6 Policies. * Collaborated with the file reviewers and the field adjusters to ensure quality assurance within the prepared reports. * Reviewed photos, reports, mitigation documents and itemized content lists to determine large loss exposure. * Resolved escalated calls regarding delayed inspections. * Collaborated with leadership to devise strategies to improve processes and risk controls as well as implement the best practice guidelines. * Assisted the help room/field adjusters in estimate collaborating, final reviews and determining relative damages. * Compiled accurate reports to enforce definitive timelines, which prevent bad faith handling * Wind, Plumbing, and freeze claims.

* Alternative Dispute Resolution. * Managed a pending of over 125 litigated matters. * Managed late reported hurricane Irma claims as they approached and surpassed the Florida statute of limitations * prepared civil remedy notice Response letters and discussed with in-house counsel means of resolution. * Collaborated closely with counsel, attended mediation, arbitration, settlement conference, trial, and depositions. * Received appraisal demands, assigned appraisers as well as established declaration of appraisal. * Received Final award packets which included signatures for appraisers and the appointed umpire; as well as tendered the final award payment * Complex and large loss claim handling. * Daily & Catastrophe handling, including but not limited to; water, fire, wind, hail, and theft losses * Assigned and Executed Examinations under Oath * Reviewed Structural and Forensic Engineer reports for coverage determination/causation. * Reviewed and paid AOB's Mold remediation, water mitigation and tarp invoices according to industry standards. * handled sewer back-up/ sump pump endorsements, special limits, as well as other specialty exclusions . * Organized matters from the commencement of the complaint to the discovery period, through trial, settlement, and appeals. * Engaged in Opposing Counsel Negotiations towards final executed settlement releases. * Reviewed the initial complaint, the dispute, the public adjuster's estimate as well as the attorney's demand. * Reviewed the Summons& Complaint and Case management orders setting trial deadlines. * Settled and resolved all scope & pricing matters. * Granted authority to defense counsel on settlement candidates. * Assigned Expert re-inspections and amended discovery. * Reviewed the Motions to compel, dismiss, extensions of time, summary Judgement and protective orders

*Ovesaw One General Adjuster who was designated to handle all condominium, apartment wind only commercial policies. *Commercial *Assigned to oversee the handling of claims associated with Hurricane Sally, Delta, Laura, and Zeta. *Supervised a team of 12-15 Catastrophe adjusters. *Coordinated team meetings, Coaching Opportunities and performance discussions. *Reviewed the reports for salvageable property and subrogation inquiries. *Composed reports for quality controlled assurance. *Approved all indemnity and expense authority requests within the applicable managerial scope. * Reviewed and approved coverage letters including but not limited to; Full Declinations, Partial denials, Reservation of rights, DOI Complaint Acknowledgements or any letters which include the policy language. * Completed calendar file reviews/Audits to promote the appropriate file progression. * Serviced escalated claims, calls and discussions. * Maintained and revised policy procedures for compliance. *Identified and reassigned large loss and commercial claims to the appropriate handlers. *Collaborated with leadership to devise strategies to improve processes and risk controls as well as implement best practice guidelines.

* Communicating recoverable and non-recoverable depreciation * Business owner policies (BOP) * General Liability * Reviewed Condominiums, small business, and commercial auto claims. * Heavy Machinery * hotels, hospitals, post offices, restaurants, playgrounds, dental offices, jewelry stores, churches. * Reviewed flood claims with the applicable endorsements. * Composing denial letters, payment letters, and completing the statement of loss * Reviewing dry logs and mold remediation invoices as well as establishing water mitigation assignments. * Reviewing comparative estimates, prior payments and contractor estimates for supplemental payments. * Investigated loss wages and business interruption. * Negotiating and settling water mitigation and mold remediation invoices. * Proficient in handling limited fungi and water sump pump endorsements. * Managed 1000+ claims working remotely from home.

* Reviewed, negotiated, and settled the Assignment of Benefits linked but not limited to water mitigation, mold remediation and contractor work orders. * Created and received appraisal demands as well as establish the declaration of appraisal. * Reconciled estimates with contractors, Public Adjusters and Attorneys and all applicable legally represented claims * Reviewed and settled award estimates, created award packets as well as obtained final award signatures during the pre-litigation process. * Invoked appraisal and assigned Non conflicting umpires. * Xactimate Collaboration. * Prepped and assigned litigation. * Opened applicable exposures, set appraisal matters, and modified reserves accordingly * Analyzing coverage, endorsements, and exclusions applicable to HO3 ISO Policy, HO6, DP3, and DPM

* Reviewed and closed over 1000+ claims associated with damage caused by Hurricane Irma. * Reviewed Supplemental damages. * Negotiating and settling Residential and semi-large loss claims. * Examining Property Damages via Xactimate, Macro assistance and collaboration * MCM and claims center efficiency. * Global policy search efficiency. * Mediated handling through the complaints, litigation, and resolutions unit. * Identified Policies that are not currently in force and assumed policies. * Qualified and reassigned claims where appraisal, disputes and water mitigation were applicable. * Negotiate estimates and invoices with assigned reps to resolve disputed claimed damages. * Settled and issued payments with policy limits. * Reviewed Public Adjuster, Attorney, and LOR estimates including mold, and water mitigation invoices and AOB contracts * Comprised litigation and mediation letters and correspondence and advised of subrogation proceedings.

* Managed a pending of over 100 claims involved in litigation, arbitration, or mediation counsel. * Work with Defense Counsel to set up low settlement opportunities or PFS settlements. * 1st Party Florida Litigation. * Worked in tandem with Defense Counsel to develop No Peril Created Opening Induced Motion for Summary Judgement. * Participated in meditation, and depositions during arbitration hearings. * Reviewed compliance standards and due dates to assist the company in meeting its state authorized goals. * Participate in over 100 triggered calls with House Counsel, management, and Defense Counsel to develop the best defense strategy. * Presented over 300 files at panel conferences to determine proper litigation strategy. * Organize matters from the commencement of the proceedings to the discovery period, through trial, post-trial, settlement, and appeals. * Oversaw daily residential, commercial, tenant, and condominium policies that were damaged by covered perils.

* Handled over 4000+ claims to resolution * Property/Auto Desk adjuster * Property/Auto Field Adjuster * State Farm Fire and Property Certification * Examined properties with damages caused by wind and hail * Resolutions team * Total Loss and Liability Handling * Appraisal reports, determining Actual Cash Value, and depreciation * reimbursement payout * Age/Brittle test slope determination * Supplemental damages * Estimate Reviews * Issuing payments via Mortgage lender, insured, or attorney * Commercial adjuster * Multi peril and wind only policies * Mobile homes * Condominium Policies(HW-6) * Apartment buildings * Reviewed and approved architect, building consultants, and crane vendors * Tarping and ladder assist approval * knowledgeable of natural disaster, flood, earthquake, negligence, wear and tear, and act of war exclusions. * Salvage * Subrogation * 1st Party Liability * Reviewed Flood Declinations and partial denial letters with the managers to disseminate with their teams before being dispatched * Submitted large loss and commercial reserve authority requests. * Managed Condominium, apartment, wind only, and commercial policies. * Condominiums, prisons and detention centers, hotels, hospitals, post offices, restaurants, playgrounds, dental offices, jewelry stores, churches, barns related to livestock, grocery stores, hair salons and barbershops. * Water, freeze damage, fire, burglary and theft, customer injuries, Weather related, struck by lightning, wind damage, business interruptions. * Losses that were struck by foreign objects. * Familiar with Building consultants, condominium associations, architects, and crane usage via different vendors.

* Managed First-party property insurance litigation. * Case management * Legal document preparation * Trial preparation * Compliance and Reporting * Understanding of Civil Procedure and discovery processes * Prepare draft written discovery requests and responses, and summaries of depositions for approval by the litigation specialist. * Assisted the Litigation Specialist with the scheduling of pre-trial conferences and trial preparation sessions. * Assisted the Litigation Specialist with document preparation, document notarization, execution, and budget reviews. * Maintained up-to-date knowledge of state laws as regards housing and homeowner insurance compliance within state legislation/statutes. * Performed administrative duties such as filing, copying, binding, scanning and calendar regulation. * Worked with Defense Counsel and litigation specialist to set up low settlement opportunities or PFS settlements. * Reviewed compliance standards and due dates to assist the company in meeting its state authorized goals. * Participated in over 300 triggered calls with House Counsel, management, and Defense Counsel to develop the best defense strategy. * Organized matters from the commencement of the proceedings to the discovery period, through trial, post-trial, settlement, and appeals. * Oversaw daily residential, commercial, tenant, and condominium policies that were damaged by covered perils. * Collaborated closely with counsel, attended mediation, arbitration, settlement conference, trial, and depositions. * Established reserve requirements, adjusting reserves, as necessary, during the processing of the claim. * Produced litigation-supported documents, ordered transcripts from reporting services, and completed documentation requests from outside counsel. * Processed over 1,000 invoices from Defense Counsel and external vendors accurately and efficiently. * Maintained a working knowledge of the rules of civil procedure, and judicial council forms.