Thomas Britland

• Rresponsible for +$100M in loss reserves & payments annually.

• Direct Claims handling of losses exceeding $10M in exposure.

• Provided direct oversight of all property claims to ensure timely reserving, claim processing and settlement negotiations.

• Ensured claims handling complied with Statutory Requirements and Best Practices Guidelines.

• Established and maintained reporting to Sr. Management on Open/Closed claims, Reserves, Subrogation/Salvage, Catastrophe Losses and developing trends.

• Established reporting to reinsurers and provided support for collections efforts.

• Developed and Maintained National Database of experts for use in claims investigation and settlement process.

• Attended mediations and provided deposition and trial testimony.

• Leadership of National Claims Team which was responsible for +$50M in loss reserves & payments annually. Direct Claims handling of all losses exceeding $5M in exposure.

• Provided direct oversight of all property claims to ensure timely reserving, claim processing and settlement negotiations.

• Ensured claims handling complied with Statutory Requirements and Best Practices Guidelines.

• Established and maintained reporting to Sr. Management on Open/Closed claims, Reserves, Subrogation/Salvage, Catastrophe Losses and developing trends.

• Established reporting to reinsurers and provided support for collections efforts.

• Developed and Maintained National Database of experts for use in claims investigation and settlement process.

• Attended mediations and provided deposition and trial testimony.

• Leadership of a Nine-member team of Senior Property Analysts, Senior Collectors, and interns.
• Responsible for collecting, analyzing, and organizing data to support reinsurance billings for all ACE-USA property business including FAC, Q/S, XOL, CAT & Clash covers.
• Responsible for over $7B in reinsurance billings relating to Property, Inland Marine, Commercial & Rec Marine, Energy, Aviation/Aerospace, Equipment Breakdown, Multinational, Captive fronting & CAT losses.
• Obtained collection success of greater than 87% of all billings being recovered within 60 days and 96% within 90 days. (Exceeded goals by 12% & 11% respectively)
• Managed claims audits with reinsurer’s and business units.
• Presented “Reinsurance – Billing & Collections - Best Practices” Process Flow to multiple internal and external business partners.
• Provided trial/mediation testimony.
• Provided technical expertise and support to claims, legal, actuarial and reinsurance placement business units.

• Negotiated claim settlements and recommended litigation when claims could not be settled.
• Interacted with witnesses and claimants.
• Prepared reports of findings of investigations.
• Exercised proper judgment and decision making to analyze over 30 claims per week.
• Carefully reviewed claim information to verify accuracy and avert fraudulent claims.
• Investigated claims by reviewing policy contracts to determine claim coverage based on cause and facts of loss.
• Scoped and photographed properties for defects and damage.
• Developed and maintained working relationships with independent adjusters and contractors to assist in prompt claims handling.
• Coordinated and managed field investigations, outside engineers, contractors and cause and origin experts.
• Identified insurance coverage limitations with thorough examinations of claims documentation and related records.
• Negotiated Property settlement agreements to resolve disputes.
• Clarified coverage of losses to policyholders and provided assistance in itemizing damages and finding alternative living arrangements.

• Investigated and assessed damage to property and reviewed property damage estimates.
• Analyzed information gathered by investigations to report findings and recommendations.
• Examined appliances during operation to detect specific malfunctions such as loose parts or leaking fluid.
• Reviewed police reports, medical treatment records, and physical property damage to determine extent of liability.
• Verified insurance claims and determined fair amount for settlement.
• Conducted comprehensive interviews of witnesses and claimants to gather facts and information.
• Prepared summaries of damage, payments, and policy coverage.
• Documented all investigation activity and presented reports to management.
• Negotiated with policyholders and claimants to reach mutually satisfactory resolutions.
• Substantiated legitimate claims and denied unjustified claims.

• Negotiated settlement of claims of varying complexity and peril, achieving prompt, fair and equitable settlement of claim in cases of policy liability.
• Conducted prompt, thorough and fair investigation by obtaining relevant facts to determine coverage, origin and extent of loss.
• Kept electronic claim files properly documented with accurate, clear and timely information and reports reflecting adjustment activities and substantiating any payments made.
• Affirmed or denied coverage of claims based on facts and policy terms and conditions, developing information necessary to make advance, partial and final payments when appropriate.
• Reviewed and utilized financial statements to adjust moderately-sized business interruption losses subject to claims and potential payouts.
• Traveled to on-site locations of loss on scheduled or sudden notice, addressing phone-recorded statements, securing photos and measurements and documenting scope of property damage.
• Researched and analyzed policy contracts to verify proper payment of claims.
• Evaluated insurance policies and analyzed damages to determine coverage.

• Investigated and assessed damage to property and reviewed property damage estimates.
• Analyzed information gathered by investigations to report findings and recommendations.
• Examined claims forms and other records to determine insurance coverage.
• Verified insurance claims and determined fair amount for settlement.
• Conducted comprehensive interviews of witnesses and claimants to gather facts and information.
• Prepared summaries of damage, payments, and policy coverage.

• Performed all management duties, within a pilot office, associated with the hiring, training and direct supervision of fifty employees.
• Provided training to supervisors and all staff in four regional offices.
• Discussed staff development and training needs and provided schedule of continuing education opportunities.
• Verified employee performance with review of completed work assignments and techniques.
• Assisted in development and implementation of policies, procedures, and regulations for unit operations.
• Resolved issues through active listening and open-ended questioning, escalating major problems to manager.
• Hired, managed, developed and trained staff, established and monitored goals, conducted performance reviews and administered salaries for staff.
• Completed bi-weekly payroll for 50 employees.