JAMES HARTRIDGE

adwi78@r.postjobfree.com

678-***-****

Professional Summary: Senior Property Adjuster with over 15 years of Claims Adjusting experience. Highly motivated, and skilled in analytical thinking and problem solving. A comprehensive background in evaluating, negotiating and settling large complex losses. Professional leadership skills, coupled with the ability to resolve claim issues, evaluate risk and set objectives and goals. Effective in working independently within a fast-pace environment as well as a team player to achieve corporate objectives. PROFESSIONAL EXPERIENCE

Pilot Catastrophe Team – Mobile, Alabama October 2022 to March 2023 Remote Desk Examiner/File Examiner – Residential & Commercial Property- Flood & Hurricane Damage

Evaluated & Reviewed IA field reports that included Dwelling, Other Structures, Contents, ALE and Subrogation.

Responsible for uploading the Final Report Stack, Cover Letter & Settlement Packet to the Carrier for review.

Responsible for Examining and determining which endorsements and coverage’s in the policies. RCBAP, SFIP, POL,

NFIP and Manufactured (Mobile) Home worksheet. Reviewing the FEMA Flood Insurance Manuals and Handbooks.

Utilized estimating software i.e., Xactimate, XactAnalysis and XactContents for reviewing FA final report estimates.

Kept the insured informed about the claim’s status with clear, effective, timely and accurate written/oral communications. Crawford & Company- Geovera Insurance Atlanta, Georgia March 2022 to October 2022 Inside Property Desk Examiner/File Examiner – Residential & Commercial Property

Evaluated & Reviewed IA field reports that included Dwelling, Other Structures, Contents, ALE and Subrogation.

Established and managed diary dates and tasks on all open claim files through the claim resolution process.

Kept the insured informed about the claim’s status with clear, effective, timely and accurate written/oral communications.

Utilized estimating software i.e., Xactimate, XactAnalysis, XactContents, Symbility, GuideWire,Word & Excel. Geovera Insurance – Tallahassee, FL and Crawford &Company- Atlanta, GA September 2020 to March 2022 Inside Property Desk Examiner/File Examiner – Hail, Flood and Large Loss

Evaluated & Reviewed IA field reports that included Dwelling, Other Structures, Contents, ALE and Subrogation.

Established and managed diary dates and tasks on all open claim files through the claim resolution process.

Determined proper policy coverages and applied best claims practices in accordance with company guidelines.

Managed files that were assigned to Appraisal and Litigation, involving PA’s and Attorneys.

Utilized estimating software i.e., Xactimate, XactAnalysis, XactContents, Symbility, GuideWire,Word & Excel. TD Insurance- Markham, Ontario Canada - CRU (Catastrophe Response Unit) March 2020 to September 2020 Inside Property Desk Examiner /File Examiner – Hurricane, Hail, Flood and Large Loss

Evaluated & Reviewed IA field reports that included Dwelling, Other Structures, Contents, ALE and Subrogation.

Established and managed diary dates and tasks on all open claim files through the claim resolution process.

Determined proper policy coverages and applied best claims practices in accordance with company guidelines.

Utilized estimating software i.e., Xactimate, XactAnalysis, XactContents, Symbility, GuideWire,Word & Excel. ASI Progressive Insurance – Nashville, Tennessee (CSS) April 2019 to March 2020 Inside Property -Desk Examiner/File Examiner – Hurricane, Hail, Flood and Large Loss

Evaluated & Reviewed IA field reports that included Dwelling,Other Structures, Contents, ALE and Subrogation.

Established and managed diary dates and tasks on all open claim files through the claim resolution process.

Determined proper policy coverages and applied best claims practices in accordance with company guidelines.

Utilized estimating software i.e., Xactimate, XactAnalysis, XactContents, Symbility, GuideWire,Word & Excel.

Evaluated supplement requests for accuracy and appropriateness and issued payments accordingly. Olympus Insurance – Palm Beach Gardens, Florida October 2018 to April 2019 Inside Property Desk Examiner/File Examiner – Hurricane, Hail, Flood and Large Loss

Evaluated & Reviewed IA field reports that included Dwelling, Other Structures, Contents, ALE and Subrogation.

Established and managed diary dates and tasks on all open claim files through the claim resolution process.

Determined proper policy coverage’s and applied best claims practices in accordance with company guidelines.

Managed files that were assigned to Appraisal and Litigation, involving PA’s and Attorneys.

Utilized estimating software i.e., Xactimate, XactAnalysis, XactContents, Symbility, GuideWire, Word & Excel. Seibels Insurance - St John’s & Centauri Insurance Companies Columbia, SC November 2017 to October 2018 Inside Property Examiner & Flood Examiner, Large Loss - Residential & Commercial Property

Evaluated & Reviewed IA field reports that included Dwelling, Other Structures, Contents, ALE and Subrogation.

Kept the insured informed about the claim’s status with clear, effective, timely and accurate written/oral communications.

Responsible for coordinating Vendors, Contractors, Restoration services and Emergency repairs services.

Utilized estimating software i.e., Xactimate, XactAnalysis, XactContents, Symbility, GuideWire, Word & Excel.. RSA Insurance – Mississauga, Ontario Canada CRU (Catastrophe Response Unit) February 2017 to November 2017 Inside Auto Adjuster - Total loss - Auto Liability

Investigated, evaluated and negotiated simple to complex auto total loss claims.

Prepared total loss damage evaluation to determine actual cash value of the vehicle.

Provided temporary transportation for customers by scheduling and coordinating rental car service during body shop repair.

Denied, settled, and authorized payment to a variety of auto claims based on coverage, appraisal and salvage value.

Evaluated and negotiated settlement of first and third party physical damage within settlement authority limits.

Negotiated any excessive storage charges and provide rental termination to first and third parties. Crawford & Company Atlanta, Georgia October 2016 to February 2017 Inside Property Flood Examiner: (WYO Program) National Flood Services Insurance Company

Reviewing/Examining IA field reports that included Dwelling, Other Structures & Contents.

Responsible for Examining and determining which endorsements and coverage’s in the policies. ie RCBAP, SFIP, POL,

NFIP and Manufactured (Mobile) Home worksheet. Reviewing the FEMA Flood Insurance Manuals and Handbooks

Responsible for Examining and determining which endorsements and coverage’s in the HO-2, HO-3 HO-4, HO-6 policies.

Policy decisions in applying correct endorsements, deductibles and exclusions to RCV or ACV final payments. TD Insurance – Ontario Canada, Toronto CRU (Catastrophe Response Unit) May 2015 to October 2016 Inside Auto / Auto Liability /Total Loss Adjuster

Investigated, evaluated and negotiated simple to complex total loss claims.

Responsible for negotiation with auto body and repairs shops

Determine policy status and coverage; review appropriate policies and endorsements for coverage, limits and deductibles.

Responsible for prompt contact with policyholders, claimants, witnesses, and other parties involved in the loss.

Denied, settled, and authorized payments to a variety of auto claims based on coverage, appraisal and salvage value. State Farm Insurance - Inside Auto Adjuster - Total Loss - Atlanta, GA (Wardlaw Claims Service) November 2014 to May 2015 State Farm Insurance - Inside Auto Adjuster-Total Loss - Tulsa, OK (Crawford & Company) February 2014 to November 2014

Investigated, evaluated and negotiated simple to complex total loss claims.

Denied, settled, and authorized payments to a variety of auto claims based on coverage, appraisal and salvage value.

Conducted investigation to determine cause, scope, and extend of damages and /or liability to vehicle.

Evaluated and negotiated settlement of first and third party physical damage within settlement authority limits.

Negotiated any excessive storage charges and provide rental termination to first and third parties

Provided temporary transportation for customers by scheduling and coordinating rental car service during body shop repair.. Liberty Mutual Insurance -Lake Mary, Florida (The Best of IRS) August 2013 to February 2014 Inside Property Examiner – Water Mitigation Specialist

Review and monitor mitigation estimates and final bills to ensure they are reasonable and appropriate for the work performed.

Accurately reviewed emergency water mitigation information provided by vendors, claim documentation to verify services performed.

Reviewed and responded to requests submitted for mitigation services to exceed applicable policy limit for emergency measures.

Negotiated with preferred and non-preferred vendors to assure invoices are in line with appropriate pricing and job scope.

Utilized Xactimate estimating software to adjust, make revisions and reconcile vendors mitigation estimates. BrightClaim Insurance - Norcross, Georgia October 2011 to August 2013 Property Content Field Adjuster - Residential & Commercial Flood, Fire, Contents and Theft Claims.

Conducted onsite inspections of damaged Personal Property Contents caused by Fire, Smoke, Water and Catastrophe.

Explained coverage of loss, assisted policyholders with itemization of personal content damages, emergency repairs and ALE.

Responsible for coordinating Vendors, Contractors, Restoration services and Emergency repair services.

Reviewed and responded to requests submitted for mitigation services to exceed applicable policy limit for emergency measures.

Negotiated with preferred and non-preferred vendors to assure invoices are in line with appropriate pricing and job scope.

Utilized XactContent estimating software to adjust pricing by age, depreciation, replacement cost & actual cost of personal items. Pilot Catastrophe Team - Mobile, Alabama September 2005 to October 2011 Inside Property Adjuster - Field Adjuster handling Property, Flood, Fire, Contents and Theft Claims. For large Residential & Commercial property loss - Companies included: (State Farm, Liberty Mutual & AllState Insurance)

Investigated and evaluated all relevant facts to determine coverage, directly pertaining to HO2, HO3, HO4 & HO6 policies.

Conducted prompt, thorough investigations by obtaining relevant facts to determine coverage, origin and extent of loss.

Effectively negotiate settlement of claims of varying complexity and perils. Achieving a prompt, fair and equitable settlement.

Kept the insured informed about the claim’s status with clear, effective, timely and accurate written/oral communications

NFIP and Manufactured (Mobile) Home work sheet. Reviewing the FEMA Flood Insurance Manuals and Handbooks

Responsible for coordinating Vendors, Contractors, Restoration services and Emergency repair services .

Utilized estimating software i.e., Xactimate, XactAnalysis, XactContents, Symbility, GuideWire, Word & Excel. Education:

Bachelor of Science in Architectural Studies Andrews University, Berrien Spring, MI Property and Casualty Licenses:

Georgia - License - Resident#2830227 GA Department of Insurance Commissioner Florida – License - Non-Res#P019309 FL Department of Financial Services Alabama – License - Non-Res#667-075 AL Department of Insurance Oklahoma – License - Non-Res#100-162-636 OK Department of Insurance Louisiana - License - Non-Res#614432 LA Department of Insurance Arkansas - License - NonRes#8664088 AR Department of Insurance South Carolina & Appraisal license - Non-Res#778830 SC Department of Insurance North Carolina - License -Non-Res#8664088 NC Department of Insurance Missouri – License - Non-Res#8664088 MO Department of Insurance Michigan – License – Non-Res #29528123 MI Department of Insurance Texas - All-line License - Non-Res#2001749 TX Department of Insurance Montana – License - Non-Res#100136894 MT Department of Insurance Canada Letter of Authority - License# 1904911-R Ontario Commission des services financiers de1’Ontario Alberta Insurance Council – License# A-2190562) Alberta Insurance Council

(NFIP) National Flood Insurance Program FCN-70002988 FEMA-Department of Homeland Security

(FEMA) Contractors Badge #308C16121B FEMA-Department of Homeland Security

*Xactnet Address adwi78@r.postjobfree.com

Contact this candidate