Senior Claims Adjuster Property, Casualty & Liability
Resume:
Linda Trahan
*****.********.*****@*****.***
Phoenix, Arizona
Professional Summary
Experienced Senior Claims Adjuster with over 10 years of expertise in managing complex property, casualty, and liability claims. Adept at investigating, evaluating, and resolving claims while ensuring compliance with legal and regulatory requirements. Skilled in policy interpretation, negotiation, and delivering superior customer service. Proficient in leveraging data analysis and claims management systems to optimize workflows and reduce losses.
Core Competencies
• Claims Investigation & Evaluation
• Risk Assessment & Mitigation
• Policy Coverage Analysis
• Settlement Negotiation
• Regulatory Compliance
• Litigation Management
• Client Relationship Management
• Data Analysis & Reporting
• Claims Management Software (e.g., Guidewire, Xactimate, Claim Central, Tymetrix, etc.)
• Process Improvement
Professional experience
04/2023 – 7/2025 Gallagher Bassett Services, Remote
Senior Commercial and General Liability Specialist/ Floating Adjuster (Contract Assignment)
Worked on contract assignment as “floating” adjuster, handling Commercial Auto and General liability losses.
Handles Commercial General Liability, Liquor Liability, Completed Operations, Commercial Auto, Construction liability, Construction defect, Garage Keepers Liability, AE&O, BOP, CGL, EPLI, and Homeowners Liability based on Claim Guidelines, where analysis of situations or data requires an in-depth evaluation of variable factors
Presents cases to Sr. Management for reserving and direction, as required by Claim Guidelines.
Processed Workers Compensation for the state of California
Established and maintained case files, logs and indexes in relation to workers compensation losses for the state of California.
Handled BI,UM, PIP and UIM for personal injuries related to auto accidents.
Processed casualty and property auto losses.
Resolved claims involving slips, falls and animal bites..
Processed litigation claims with the handling of the discovery process and triage.
Bodily injury exposures up to 500k-10 million involving amputations and fatality losses. As well as complex injuries.
Premise losses involving farm crops, structures, grass, trees and fences.
Construction loss and defect claims with exposures up to 400k+
Approved settlement budgets in time matrix and litigation settlements.
Handled EPL, E&S and D&O claims for multiple clients.
Developed and managed workers compensation claims' action plans to resolution, coordinates return-to-work efforts and approves claim payments.
Processed mediation and litigations triage files via virtual conference calls.
Managed a caseload of litigated and non-litigated construction claims under commercial general liability policies.
Processed bed bug related losses, fires and food Bourne illnesses.
Reviewed coverage and set liability for business, commercial and hospitality policies.
Handled pollution, health hazard and sexual abuse claims..
Managed construction defect losses in relation to retail, hospitality professional lability and restaurant food chains..
Handled claims involving severe and catastrophic injuries. While this is a Small Commercial role.
12/2020 – 3/2023, Davies Group Littleton Group, Cerritos CA
Commercial Property and Bodily Injury Claims Supervisor
Handled Commercial Auto, Trucking and Cargo claims for various Self-Insured companies
Trucking and Cargo claims included several industries including Produce, Construction Equipment, and Furniture stores.
Managed complex auto claims, coverage liability and damages.
Maintain effective claim file documentation and diary system.
Handled Property and casualty damage for TPA with exposures up to 900k+..
Investigated commercial losses involving tractor, trailer and cargo damage
Processed total loss damage to tractor and trailer property damages.
efficiently and independently manage small commercial claims that present the highest complexity, exposure and/or complex coverage or liability issues.
determine coverage, liability, set and adjust reserves, evaluate the claim, manage the litigation and negotiate settlements.
work within prescribed authority limits handling claims and investigate and determine liability of all parties involved.
ensure delivery of high-quality customer service to protect our insured, and assets of the company. And of course, demonstrate the highest level of expertise and sound judgment in complex matters;
Bodily injury exposures up to 500k+ involving soft tissue bodily injury losses from sprains related to property damage.
Bodily injuries resulting in fatality and funeral expense for casualty and property losses.
Handled surety bond losses and filed bond and indemnity losses.
Generate Xactimate estimates onsite for damaged property.
Facilitated Workers Compensation claims with self insured carriers.
Calculated WC disability benefits and facilitating the injured employees return to work.
Recognize critical files and immediately report them to management.
Consult with management on files involving complicated negotiations, applicable compromise recovery agreements and complex liability litigation.
Suit claim handling and processed triage of files in association with the suit file.
Handled medical leave and workers compensation losses with expense reserve of 100k
Slip and falls, soft tissue, bi complex claims with direct BI settlements.
Tender request, tender out to others and coverage experience.
04/2016 – 10/2020, Esurance, Mesa, AZ
Senior Claims Examiner - General Liability / Bodily Injury
Handled auto property damage repairs associated with BI auto injury losses.
Managed litigated cases involving legal processing of litigated files
Managed litigated cases related to auto, claims dispute attended mediations, arbitrations and court hearings as necessary
Communicated with stakeholders, attorney and clients.
Collaborated with defense counsel, claim counsel and litigated claims management for strategic planing
Reviewing legal documents and ensuring appliance with initial suit handling and plan of action for casualty and property loses.
Handled CAT claims involving floods and tornadoes.
Maintain a case load of 100+ litigated files and attorney represented case loads.
Handled litigated files and assisted with the discovery process.
Reviewed and approved business owner coverage policies
Processed payment for business owner policies.
Adjusts complex auto and homeowner bodily injury claims with significant injuries (e.g. traumatic brain injury, disfigurement, fatality) and UM/UIM, and small business claims, as well as some auto physical damage associated with those claims. Identifies, confirms, and makes coverage decisions on complex claims.
9/2012 – 02/2016, Troxell Communications, Phoenix, AZ
Senior General Liability and workers compensation adjuster
Handled claims involving errors and omissions (E&O), directors and officers (D&O), and malpractice liability.
Established and maintained case files, logs and indexes in relation to workers compensation losses for the state of California.
Conducted in-depth investigations and analyzed policy language to determine coverage.
Oversaw claims litigation, attended mediations, and worked with outside counsel to resolve high-exposure cases.
Provided training to junior adjusters on policy interpretation and negotiation strategies.
Recognized for consistently exceeding performance metrics.
Handled a dual caseload of construction defect and workers’ compensation claims for various industries, including construction, manufacturing, and transportation.
Conducted field investigations and site inspections to gather evidence and support liability determinations.
Assisted legal teams with litigation management, attending mediations, depositions, and settlement conferences.
Investigated and managed work related injury claims, ensuring proper propping of accidents, coordinating medical treatment for injured employees.
Managed compensation and benefits due on long term indemnity claims, monitors reserve accuracy, and files necessary documentation with state agency. .
Processed complex lifetime medical and/or defined period medical claims which include state and physician filings and decisions on appropriate treatments recommended by utilization review. Maintains professional client relationships.
Education
Arizona State University 08/2013 – 5/2017 completed undergrad
Majored in Interdisciplinary Studies
Beaumont High School 01/2007 – 06/2010
Graduated with Honors, with 3.0 accumulative GPA.
Certification
Texas All line designated license 11/12/2016-5/31/2025
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