Claims Adjuster Complex

Heather Cornett

Atlanta GA • 317-***-**** • ***************@*****.*** • https://www.linkedin.com/in/heather-cornett-1527b411

Senior Claims Adjuster Litigation Specialist Mentor

Over 10 years of experience managing high-exposure, complex claims across bodily injury, property damage, and general liability. Proven expertise in litigation support, risk analysis, negotiation, fraud investigation, and mentorship. Adept at driving resolution strategies, supporting defense counsel, and delivering favorable claim outcomes. Thrives in fast-paced environments with minimal supervision.

Core Competencies

• Complex Claims & Litigation Management

• Coverage Analysis & Letter Drafting (ROR, Denials)

• Settlement Negotiation & Mediation

• Claims Investigation & Fraud Detection

• Team Mentoring & Training

• Client & Attorney Collaboration

• High-Volume Case Load Management

• Risk Assessment & Reserving

• Technical Proficiency (Xactimate, CCC, Guidewire, etc.)

Professional Experience

Hiscox Claims – Senior Complex Claims Specialist BI/PD/GL

Feb 2024 – Present

- Strategize and drive early resolution opportunities in Construction Defect and third-party property damage claims.

- Demonstrate deep knowledge of coverage triggers, time-on-risk allocation, and theories of liability across multiple jurisdictions.

- Draft and review detailed coverage analyses, ensuring accurate and defensible claim positions.

- Manage and partner with local defense counsel, overseeing litigation strategies and enforcing best practices in legal spend.

- Attend mediations and settlement conferences to facilitate timely resolutions.

- Continually assess exposure and reserve adequacy, keeping senior claims management informed of critical developments.

- Identify and flag potentially fraudulent claims for investigation by SIU.

- Maintain accurate, thorough claim documentation and collaborate with underwriting and actuarial teams.

- Liaise daily with insureds/brokers, delivering high-touch communication and case guidance.

- Apply expertise in ACV vs. RCV damage assessment to property claims.

Sedgwick – Commercial Claims Adjuster, Litigation Support BI/PD/GL

Oct 2022 – Feb 2024

- Managed 150+ high-severity commercial liability claims for national clients (Home Depot, Yellow YRC Trucking, T.H.E Insurance).

- Led defense strategy alongside local counsel on litigated files; prepared risk assessments and settlement plans.

- Drafted complex coverage letters including RoRs and denials; resolved high-value product and premises liability claims.

- Mentored junior adjusters; improved claim handling accuracy and litigation readiness.

- Identified trends and suspicious patterns to flag fraudulent claims in collaboration with SIU teams.

Independent CAT Adjuster (Contract)

Feb 2021 – Sep 2022

- Responded to catastrophe events, managing property and liability claims across multiple states for various insurer’s including QBE, PURE Insurance, State Farm and Allstate

- Drafted coverage letters and handled negotiations for both personal and commercial policies.

- Provided litigation support and strategy for disputed claims, driving favorable resolutions.

Genpact BrightClaim – Auto BI/Total Loss Adjuster

Jul 2019 – Jan 2021

- Handled complex personal lines claims involving bodily injury, total loss, and diminished value for Farm Bureau and Root Insurance.

- Trained adjusters in advanced claim resolution, coverage interpretation, and best practices.

- Managed Medicare/Medicaid reporting; conducted negotiations to secure favorable settlements.

Trifecta Services – Independent CAT Adjuster

Sep 2017 – Jun 2019

- Managed up to 15 high-exposure claims daily, specializing in complex liability for both personal and commercial lines.

- Served as Catastrophe Response Team lead for national carriers including State Farm and Allstate.

- Trained peers in industry software (Xactimate, Simbility) and claims procedures.

Liberty Mutual Insurance – Senior Adjuster / Interim Manager / Trainer

Jan 2008 – Jul 2017

- Oversaw training, coaching, and quality assurance for team performance.

- Managed property damage and injury claims across personal and commercial auto lines.

- Played key roles in agency licensing, commercial billing, and IT support initiatives.

Education

• Journalism, IUPUI – Indianapolis, IN

• Business Administration, Moorpark College – Moorpark, CA

Licenses & Certifications

• Licensed P&C Adjuster (NY, TX, FL, LA, GA etc… – License #2916037, NPN#15932544)

• State Farm Certified Pursuing AINS Certification

Technical Skills

• Claims Software: Xactimate, CCC Autoverse, Mitchell, NexGen, Simbility

• Systems: AS400, Guidewire, JURIS, Risx-Facs, ClaimXperience

• Other Tools: Microsoft Office, Outlook, Citrix, IManage, Team Connect, TEAMS, Zoom

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