Insurance Adjuster

Carolyn S. Osborn_______________________________________________________________

**** *. *** *., *********, Indiana 47862 - qqapyu@r.postjobfree.com - Tel: 765-***-****

Personal Statement____________________________________________________________

Dedicated, highly qualified claim, risk management and fraud investigation professional with demonstrated investigation and defense strategies that have led to numerous cost savings to the company and the insureds. Strong understanding of the role claim processing plays in an insurance company's overall success. Consistently exceed performance targets. Known for high integrity, strong persuasive skills, relationship building, receiving ongoing accolades from clients.

Work Experience______________________________________________________________

Senior Field Claim Professional 1991- October 2009

Travelers Insurance, Indianapolis, Indiana

Senior Field Claim Professional Jul 1991-Oct 2009

Handled General Liability, Personal Auto Liability, Commercial Auto Liability, Commercial Property, Municipalities and Construction claims

Determine Coverage by interpreting policies

Investigation of the loss and exposure

Meeting face to face with insured and claimants. Inspected the loss scene

Determining any risk factors and reporting to Underwriting

Determine damages by obtaining documentation of the damages claimed

Established reserves

Brought claim resolution through negotiating or through litigation

Established litigation strategies and budgets

Attended depositions, mediations or trials

Completed all relevant reports

Prepared and presented files for claim review with insured and agents

Wrote estimates for damages

Field Multi-Line Adjuster, Sept 1989-Jul 1991

Handled Workers Compensation, Personal Auto and Homeowner, General Liability, Commercial Auto Liability, Commercial Property and Construction claims

Inside Claim Representative, 1989-1991

Determine coverage by interpreting policies

Investigating the loss over the phone contacts

Determine damages by obtaining documentation of damages

Resolution of the claim through negotiation or litigation

Claim Clerical Supervisor, 1981-1989

Supervising 4 clerks providing clerical support to 12 claim professionals

Claim Clerical, 1980-1981

Transmitting new losses

Doing dictation for the claim professionals

Issuing payments

Continual Education Courses:_________________________________________________

Influencing Others January 2009

Self Development December 2008

Negotiations for Liability Claims November 2008

Construction Basis July 2008

Business Writing March 2008

Achievements________________________________________________________________________

Associate in Claim Designation

Senior Claim Legal Associate

Knowledge Mapping, this is a presentation to new employees demonstrating the insurance industry

General Liability Tour Guide, meeting with potential insureds to highlight our claim department procedures

Participated on the Emergency Response Team, being dispatched to handle weather related catastrophe claims

Received Defense Verdict saving company a $120,000 exposure on allegation of mold due to water damage

Won an Arbitration for alleged Product Defect, saving company exposure of $44,000

File quality rating of 100% exceeding the company's target of 90%

Customer Service contacts within 24 hours 95% exceeds company target of 90%

File closing ratio of 100% based on monthly receipts of 50 or more

References___________________________________________________________________________

References available on request

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