April Thomas
Atlanta,GA
Summary
Accomplished and detail-oriented Skilled and results-driven Commercial Insurance Claims Adjuster with extensive experience managing small to large loss claims across diverse lines of commercial auto, property, and liability. Proven expertise in claims investigation, coverage analysis, reserve setting, and negotiating settlements within company authority and industry best practices. Demonstrated ability to handle complex claims, including total losses, litigated matters, and multi-party exposures, while ensuring compliance with internal guidelines and regulatory requirements. Proficient in claims management systems (CMS, Quickbooks), conducting scene and damage assessments, coordinating with TPAs, legal counsel, vendors, and policyholders, and delivering accurate, timely claim resolutions. Committed to minimizing loss costs and improving claim cycle times through proactive file management and strong analytical skills.
Overview
11
11
years of professional experience
Work History
Auto Commercial Adjuster
Midway Insurance
01.2024 - Current
- Investigate and evaluate commercial auto claims, including liability and physical damage, to determine coverage applicability and ensure adherence to policy terms and conditions.
- Review and assess tow invoices, coordinate vehicle relocations, and manage recovery of tractors and trailers from storage and tow facilities.
- Coordinate with independent and staff appraisers to review damage appraisals, determine repairs, and make total loss determinations in compliance with company guidelines.
- Draft and issue formal Proof of Loss and settlement letters in accordance with regulatory and internal requirements to facilitate timely claim resolution.
- Manage a high volume of inbound and outbound correspondence, ensuring prompt and professional communication with insureds, lien holders, vendors, and internal stakeholders.
- Manage an active caseload of 70–80 commercial auto claims, consistently achieving an average closure rate of 16 claims per month while maintaining accuracy and timeliness in file handling.
Auto Total Loss Adjuster
Insurance House
01.2020 - 01.2024
- Assessed field inspection reports and damage estimates to determine total loss qualification based on Georgia and North Carolina state threshold
- Utilized CCC One Total Loss Valuation tool to analyze market values and generate accurate and timely total loss settlement offers.
- Reviewed and negotiate settlement figures with claimants, insurers, and lien holders; successfully secured a net return of $101K, surpassing the company’s 2023 target of $85K.
- Negotiated Loss of Use and rental reimbursement claims with third parties to ensure fair settlements in line with policy provisions.
- Partnered with salvage vendors such as Copart to obtain accurate market valuations, process owner-retained quotes, and oversee the salvage bidding process for totaled units.
- Created and authored Reservation of Right letters and Declinations to insureds.
Client Partner
Ted Todd Insurance
01.2018 - 01.2020
- Welcomed clients to the agency and evaluated their needs to recommend additional products to add to their insurance portfolio such as life, boat, rental, and umbrella policies.
- Created and negotiated payment plans on outstanding premium balances at a 75% rate, exceeding the department’s closure goal of 60%.
- Underwriting liaison for the agency during the application and appeal process.
- Reviewed and processed all Homeowner’s inspections to ensure policy accuracy and to alert clients of any liability hazards on their property.
- Surpassed daily sales goals by 25% by cross – selling additional insurance items and encouraging policy bundling to clients.
- Sole licensed Life Insurance liaison in agency.
Property Claims Adjuster
State Farm
01.2015 - 01.2018
- Delivered quality customer service by assisting policy holders, agents, body shops and other insurance companies with setting up claims, recording statements, determining liability decisions, setting up repairs, and explaining coverages.
- Recognized for 3 On Spot Awards in March, May, and June 2016 for consistent quality scores of 100% when entering and adjusting claims.
- Processed and reviewed evidence for Subrogation Demands from other insurance companies.
- Qualified and issued Diminished Value on insurers and claimants vehicle utilizing the 17-c calculator and formula.
- Completed Underwriting reviews for surcharge evaluation purposes.
Education
Bachelor of Arts Degree - Communications
Georgia State University
Atlanta, GAAssociates of Arts Degree - Marketing
Florida State College
Jacksonville, FLSkills
- Claims Investigation & Adjustment
- Risk Assessment & Liability Analysis
- Settlement Negotiation & Vendor Coordination
- Policy Interpretation & Legal Compliance
- Catastrophe & Large Loss Claims Management
- Customer Service & Stakeholder Communication
- Fraud Detection & Subrogation
- Project Management & Team Leadership
Certifications
- Georgia Property & Casualty
- Texas Property & Casualty
- Oklahoma Property & Casualty
- North Carolina Property & Casualty
- Georgia Life Accident & Sickness
Timeline
Auto Commercial Adjuster
Midway Insurance
01.2024 - Current
Auto Total Loss Adjuster
Insurance House
01.2020 - 01.2024
Client Partner
Ted Todd Insurance
01.2018 - 01.2020
Property Claims Adjuster
State Farm
01.2015 - 01.2018
Bachelor of Arts Degree - Communications
Georgia State University
Associates of Arts Degree - Marketing
Florida State College
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