Florene Alexander

Cell: 469-***-**** Email: ad3p8l@r.postjobfree.com

SUMMARY

Seven years of insurance claims handling and consulting experience. Experienced working in the insurance industry dealing with the public on various levels. Excellent assessment and decision-making skills. Compassionate and efficient. Eager to enhance my knowledge of the insurance industry. LICENSES

LICENSES AND CERTIFICATIONS

Texas (Residence License #2024187); Louisiana; Indiana; Georgia; Oregon; Minnesota; Michigan; Kentucky; Utah; Mississippi; North Carolina; Delaware; Florida; South Carolina; New York; Alabama; New Hampshire; Arizona; West Virginia; Montana; Idaho; Rhode Island; Oklahoma; Washington; and Wyoming. NFIP Auth Adjuster/FCN# 007*******; TWIA Certified; State Farm Auto & Property Certified, Allstate Auto Certified, and Scrum Master (CSM/Safe Certified). SKILLS:

• Phone Interviewing • Notary Public • Image Right

• Customer Service • Problem Resolution • AS400

• Microsoft Office

• Jira

• XactAnalysis & Xactimate

• Conflict Resolution

• Guidewire

• SharePoint

KEY ATTRIBUTES:

• Able to work in a team environment or as an individual contributor for the overall goals and objectives of the company.

• Thorough knowledge of the mortgage industry, auto and property insurance industry.

• Able to present facts clearly, ability to meet deadlines, and able to maintain confidentiality.

• Carriers contracted with State Farm, ASI/Progressive, Mercury Insurance, Bankers Insurance, UPC, American Family Insurance., Homesite, Mutual of Enumclaw Insurance, and North Carolina Joint Underwriting Association (NCJUA).

PROFESSIONAL EXPERIENCE

Clear Point Claim, LLC Desk Adjuster Charlotte, NC 08/10/2023 – 01/04/2024 Pacesetter Claims Services Desk Adjuster Tulsa, OK 04/10/2023 – 08/09/2023 Pilot Catastrophe Services Desk Adjuster Mobile, AL 01/10/2023 – 03/17/2023 Pacesetter Claims Services

Wardlaw Claim Services

Desk Adjuster

Desk Adjuster

Tulsa, OK

Waco, TX

09/26/2022 – 12/28/2022

07/24/2022 – 09/20/2022

Clear Point Claim, LLC Claims

Consultant/Desk

Adjuster

Charlotte, NC 01/26/2022 – 06/01/2022

TheBest Claims Solutions Desk Adjuster Phoenix, AZ 02/30/2021 – 10/22/2021 Compass Adjusting Services Desk Adjuster Benbrook, TX 08/26/2020 – 10/17/2020 Global Risk Solutions QA File Reviewer Bradenton, FL 12/04/2019 – 07/10/2020 Claims Support Services Desk Adjuster Dustin, FL 06/12/2019 – 10/17/2019 Property Loss Specialist Desk Adjuster Oregon, WI 01/08/2018 – 06/10/2019 Pilot Catastrophe Services Desk Adjuster Mobile, AL 02/12/2017 – 11/30/2017 Catastrophe National Claims Desk Adjuster Mobile, AL 10/09/2016 – 12/31/2016 Pilot Catastrophe Services Desk Adjuster Mobile, AL 07/09/2016 – 09/09/2016 Pilot Catastrophe Services Desk Adjuster Mobile, AL 11/19/2015 – 07/02/2016 Residential & Commercial Property Adjuster

• Analyzed claim exposure for Daily & CAT claims from light to moderate. Conducted interviews, and gathered detailed information to properly evaluate losses per the completed field investigations. Requested appraisals for claims that were going to mediation. Reviewed policy coverages with the insured(s), instructed the insured(s) step by step on the claims process, and followed up every seven days regarding the status of their claim.

• Maintained open communication regarding property damage with the insured(s), agents, attorneys, and PAs. Suggested settlement offers within the guidelines of the policy. Negotiated payment arrangements, and prepared Release Documents once an agreed-upon settlement had been reached.

• Provided comprehensive, well-informed responses to inquiries. Coordinated various vendor services, such as emergency repairs, mitigation, and contractors. Experience with handling business interruption and working with forensic accountants and building advisers for commercial claims.

• Communicated with insured(s) and contractors regarding the estimate, and collaborated estimates when necessary through Xactimate regarding measurements, materials, or missing line items. Communicated with vendors

(general contractors, mitigation, content, and short-term housing vendors).

• Issued supplemental payments when required, gathered, reviewed, and processed the insured(s) inventory list of damaged contents, and issued payment. Set up Additional Living Expenses. Obtained police reports, performed recorded statements, requested documentation of stolen contents, and involved the Special Investigation Unit when necessary.

Auto/General Liability/Total Loss Adjuster

• Took incoming calls from insureds, agent’s office, and claimants regarding Total Loss and General Liability Claims. Kept close communication with the insured, body shop, and other vendors. Set up car rentals.

• Reviewed claims exposure to determine the appropriate action to take based on my findings and policy. Issued payments, and analyzed photos, and estimates. Review photos and estimates. Requested VIR (Vehicle Inspection Report). Verified coverage and cause of loss.

• Processed Physical Damage claims, and determined liability. Calculated vehicle tax, title, state, and local fees in State Farm Insurance ESC (Enterprise Claims System). Determine if the vehicle is repairable or a Total Loss. Determine branding of titles in various states and issue a direction to pay.

• Performed vehicle inspections and wrote estimates through Audatex and issued payments on Comprehensive and collision claims. Communicate with the insured and body shops regarding the estimate and made adjustments when necessary to issue a supplement payment.

• Processed Commercial Auto claims by reviewing accident reports, statements, and other relevant documentation to determine coverage and liability. Requested police reports, obtained medical releases, and driving reports from the Department of Motor Vehicles (DMV). Reviewed medical documents, and billing invoices.

• Investigated the circumstances surrounding the accident or damages. Determined severity of bodily injury injury(s). Worked with the claimants, 3rd parties, and/or Attorney to negotiate a fair and amicable settlement within authority limit.

• Provided clear, prompt, and professional communication to policyholders, claimants, and other parties involved. Addressed inquiries, maintained regular updates, and provided explanations or clarification as needed.

• Examined forms to determine insurance coverage and conducted interviews with relevant parties to determine claim denial or settlement.

• Negotiated and managed third-party injury settlements and investigated and resolved General Liability (GL) claims, which involved bodily injuries and property damage resulting from products, services, or operations.

• Received inbound subrogation demands from 3rd party claimants and submitted the necessary documents to the Subrogation Dept.

• Negotiated and settled injury claims involving both first-party and third-party claimants. Evaluated all evidence to achieve a positive outcome for the client's claims. Litigation Adjuster, Pre and Post-suit.

• Analyzed the insurance policy to determine the scope of coverage and any limitations or exclusions that may apply to the claim. Handled pre-litigation claims and negotiated settlements to conclude the claims and prevent further litigation.

• Collaborate with the legal team to assess the strength of the claims and identify any obstacles that could hinder pre-trial settlements. Evaluated claims for potential settlement value and attended depositions, mediations, and trials, as necessary.

• Documented files, reviewed and maintained reserves for future claims. Reviewed attorney bills for accuracy and monitored litigation expenses.

• In cases where the carrier became insolvent, I handled litigated claims for both commercial and residential properties. Acted as a Corporate Representative on behalf of the carrier and responded to Notices of Intent

(NOIs) and Civil Remedy Notices (CRNs) for Florida claims.

• Reviewed and examined lawsuits, then referred them to defense counsel for further handling. Collaborated with defense counsel, prepared litigation plans, and assessed liability and damages. Property File Reviewer/Quality Assurance Professional

• Conducted thorough examination of claims submitted by Field Adjusters to ensure accuracy and adherence to carrier's guidelines and best practices.

• Collaborated closely with Adjusters to make necessary revisions to estimates, effectively minimizing downtime and streamlining claims processing.

• Prepared and delivered comprehensive interim and final work products, including diaries and invoices, to carriers, expediting the resolution of claims.

• Proactively identified and alerted management to potential issues or developments found in claim files.

• Provided valuable direction and guidance to Field Adjusters, ensuring their work products aligned with assignment requirements.

• Performed closed file audits on assigned claims, enforcing adherence to carriers' policies and procedures.

• Played an active role in modifying workflow processes and techniques, actively contributing to ongoing process development and improvement efforts.

Environmental Auditor

• Consulted with the client’s legal team to establish and implement guidelines and procedures to disburse payments properly and without any further legal action.

• Reviewed environmental property claims submitted by the desk adjusters for payment due to business interruption, and loss of income. Contacted claimants to set up closing dates and times for documents to be signed and payments made. Prepared release documents.

• Made sure all required documents were provided regarding the scenario of the claim. Reviewed claim notes to ensure the desk adjusters performed their due diligence. Approved claims for contingency, 1st, 2nd, and final payments. Cut checks for disbursement to the claimants and lienholders if applicable.

• Performed deed searches and other county websites to ensure ownership of the property. Reviewed Deeds, Divorce Decrees, Probate docs, and Affidavits of Heirship to determine legal ownership of the property in question. Logged all payments into Track Via for tracking purposes and the creation of daily reports for the client and their attorneys.

Team Lead

• Supervised a team of 8 to 10 adjusters who were responsible for handling daily and CAT (catastrophic) assignments in both auto and property insurance.

• Handled escalations, interpreted policies, and ran daily reports to ensure that the team met the carriers' standards.

• Audited claim files, and gave valuable feedback to team members. Collaborated directly with the carrier management team to address any issues that may arise involving the claim, insured party, or adjuster.

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