Tonia Smith
Experienced Claims Adjuster
Cedar Hill,TX
Summary
Energetic and enthusiastic insurance professional motivated to succeed in fast-paced and deadline-driven professional environment. Comprehensive knowledge of claims adjustments with special knowledge of auto appraisals, property damages and CCC pathways estimations.
Overview
15
15
years of professional experience
Work History
CAT Claims Adjuster
Sedgwick Claims Management
Dallas , TX
10.2016 - 08.2023
- Inspect damages to homes from losses like fires, floods, and vandals by photographing, measuring, sketching, and assessing.
- Evaluated the extent of property loss and estimated the expense for repairing, replacing or compensating.
- Identified additional exposures including Personal Property/Contents, Additional Living Expense, Mold, and Ordinance related to property losses
- Conducted thorough investigations of insurance claims, assessing coverage and liability, to determine potential payment or denial.
- Analyzed policy language for determining coverage across multiple lines of business.
Auto Claims Adjuster
LoneStar
Dallas, TX
05.2012 - 12.2022
- Examined and assessed auto insurance claims thoroughly to establish their authenticity, correctness, and adequacy of coverage.
- Analyzed policy language to ensure compliance with state regulations and company policies.
- Gathered and analyzed facts from investigations to assess liability.
- Assessed damages to vehicles and property resulting from a variety of incidents.
- Negotiated settlements with claimants when appropriate.
Customer Service Representative
FedEx
Dallas, TX
08.2015 - 08.2021
- Ensured timely pickup, delivery of documents, packages, and mail.
- Organized pick-up and delivery routes daily to enhance efficiency.
- Maintained accurate records of all deliveries, including tracking numbers and signatures.
- Inspected vehicles for mechanical items and safety issues prior to operating them.
Claims Adjuster
Catastrophe Management Solutions
Richardson, TX
09.2008 - 11.2012
- Handled and processed assigned volume within Total Loss and Insurance Repair processes, adhering to established SLAs, policies, and procedures.
- Handled Service Potential and Actual Total Loss and Insurance Repair calls according to established requirements for call handling and correspondence.
- Managed end-to-end Total Loss and Insurance Repair processes, ensuring accuracy and adherence to regulations, policies, and procedures.
- Conducted field investigations, interviews, inspections, and surveys.
- Evaluated policy provisions, applicable laws, and other relevant information to determine claim payments or denials.
- Investigated property damage claims to determine coverage and liability.
Education
Certification - Insurance
Texas Licensing Company
Dallas, TX08-2019
High School Diploma -
Marlin High School
Marlin, TX05-1997
Skills
- Policy investigations
- Property adjusting
- Workers' compensation claims
- Rules of evidence
- Policy Interpretation
- Vehicle Inspection
- Insurance Policy Coverage Knowledge
- ClaimsPro
- Complaint Resolution
Timeline
CAT Claims Adjuster
Sedgwick Claims Management
10.2016 - 08.2023
Customer Service Representative
FedEx
08.2015 - 08.2021
Auto Claims Adjuster
LoneStar
05.2012 - 12.2022
Claims Adjuster
Catastrophe Management Solutions
09.2008 - 11.2012
Certification - Insurance
Texas Licensing Company
High School Diploma -
Marlin High School
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