outside claim adjuster
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MIRIAM HAFTER 306 Dunwoody Drive * Blue Bell, Pennsylvania 19422 484-231-1872 * [email protected] LIABILITY CLAIMS: Liability Adjuster Top performing multi-state adjuster of complex liability claims in Casualty and Liability; Workers' Compensation; Homeowners, Personal, Commercial, and Automobi le; Product Liability; General and Business Liability. Seasoned professional wit h unique blend of business savvy and investigative skills. Exceptional ability to investigate, analyze, and determine the extent of liabili ty concerning damages, and effectively manage settlement with claimants. Excelle nt ability to communicate with specialists, agents, and witnesses to quickly ass emble documentation. Talented builder of rapport establishing trust with claimants to ensure best out comes for the organization. Bachelor in Business degree.
Settlement Negotiations * Subrogation Standards * Claim Recoveries Client and Vendor Relations * Field Investigations * Financial Allocation * Cons ulting Appraisals * Claims Investigation * Risk Management Associate in Claims Certification (In Pursuit) The Institutes, Malvern, Pennsylvania
Career note: Active volunteer and full-time mom from 1994 to present. CAL-WEST CLAIMS AND INVESTIGATIONS, Fountain Valley, California * 6/1987 - 6/199 2 Independent insurance adjusting firm serving Southern California. Independent Insurance Investigator Achieved excellent reputation conducting full investigations for clients, such a s, Biller Smith & Associates, USAA, Lloyds of London, and Coastal Insurance Comp any. Facilitated complex auto property damage, bodily injury, and commercial veh icle claims. Completed detailed analysis and development of facts or evidence, a nd conducted examinations under oath. Conducted accident scene evaluation, locat ed insured, claimants and witnesses, established appropriate reserves. Assigned property damage appraisals, conducted skip tracing, obtained and reviewed medica l and police reports, and delivered settlement recommendations. Achievements: * Recognized by Biller Smith & Associates as top investigator when requested to facilitate 100% casualty liability claim investigations. * Increased claim profits by 30% through exceptional customer service that resul ted in steady stream of referral business. * Reduced total payouts on assigned claims by completing swift and thorough reso lutions/settlements. * Settled 30% assigned cases directly with claimant avoiding costly attorney rep resentation. * Delivered client savings of $5K for each BI claim as a result of developing st rong relationships with claimants. * Achieved 90% reported on status of assigned cases prior to due date. * Responded to 100% fatality cases in less than 24 hour period with completed in
itial investigation/assignment reported back to client within 24 - 48 hours. ...continued MIRIAM HAFTER * Page 2 * [email protected] ADDITIONAL EXPERIENCE COMMERCIAL INDEX BUREAU, Baltimore, Maryland * 11/1993 - 4/1994 One of the oldest and most experienced private investigation firms in the Mid-At lantic Region. Investigator Excellent track record investigating wide range of claims, including, disability income, workers' compensation assessments, fraud investigations, insurance, and domestic scenarios. Delivered statements under oath, accident scene diagrams an d evaluations, skip tracing, and surveillance. MONTGOMERY MUTUAL INSURANCE CO., Sandy Spring, Maryland * 2/1993 - 9/1993 Property and casualty insurance company serving MD, DE, DC, NC, SC, VA and WV. Senior Claims Adjuster Top adjuster delivering persistent review of claim files. Confirmed closed files , closed reserves accordingly, resumed investigations on open claim files, and a djusted reserves according to outcome. Trusted by leaders to autonomously conduc t evaluation, disposition and settlement through effective negotiation of modera te to severe complex claims. Achievements: * Closed 55 of 220 open files and achieved zero reserves by closing all BI reser ves. * Minimized outstanding BI financial reserve allocation by 15% through settling claims at or below reserve amount. AGENCY INSURANCE COMPANY, Linthicum, Maryland * 6/1992 - 2/1993 Property and casualty insurance company serving MD, PA, VA and FL. Senior Claims Representative Delivered exceptional customer service by applying sound investigative technique s. Managed complex claims with significant exposure. Created detailed action pla ns to determine liability and negotiate settlement of claims. Achieved current s tate on all open claims. EDUCATION Bachelor of Business Administration Rider University, Lawrenceville, New Jersey COMMUNITY VOLUNTEER Laurel House, Norristown, Pennsylvania, 2000 - present Shelter for Battered Women and Children United Cerebral Palsy, Philadelphia, Pennsylvania, 2002 - 2005 Women's Center of Montgomery County, Jenkintown, Pennsylvania, 1994 - 1995
Wissahickon Middle School, Ambler, Pennsylvania, 2008 - present Blue Bell Elementary School, Blue Bell, Pennsylvania, 2001 - 2006 Congregation Beth Or, Ambler, Pennsylvania, 1998 - present
Settlement Negotiations * Subrogation Standards * Claim Recoveries Client and Vendor Relations * Field Investigations * Financial Allocation * Cons ulting Appraisals * Claims Investigation * Risk Management Associate in Claims Certification (In Pursuit) The Institutes, Malvern, Pennsylvania
Career note: Active volunteer and full-time mom from 1994 to present. CAL-WEST CLAIMS AND INVESTIGATIONS, Fountain Valley, California * 6/1987 - 6/199 2 Independent insurance adjusting firm serving Southern California. Independent Insurance Investigator Achieved excellent reputation conducting full investigations for clients, such a s, Biller Smith & Associates, USAA, Lloyds of London, and Coastal Insurance Comp any. Facilitated complex auto property damage, bodily injury, and commercial veh icle claims. Completed detailed analysis and development of facts or evidence, a nd conducted examinations under oath. Conducted accident scene evaluation, locat ed insured, claimants and witnesses, established appropriate reserves. Assigned property damage appraisals, conducted skip tracing, obtained and reviewed medica l and police reports, and delivered settlement recommendations. Achievements: * Recognized by Biller Smith & Associates as top investigator when requested to facilitate 100% casualty liability claim investigations. * Increased claim profits by 30% through exceptional customer service that resul ted in steady stream of referral business. * Reduced total payouts on assigned claims by completing swift and thorough reso lutions/settlements. * Settled 30% assigned cases directly with claimant avoiding costly attorney rep resentation. * Delivered client savings of $5K for each BI claim as a result of developing st rong relationships with claimants. * Achieved 90% reported on status of assigned cases prior to due date. * Responded to 100% fatality cases in less than 24 hour period with completed in
itial investigation/assignment reported back to client within 24 - 48 hours. ...continued MIRIAM HAFTER * Page 2 * [email protected] ADDITIONAL EXPERIENCE COMMERCIAL INDEX BUREAU, Baltimore, Maryland * 11/1993 - 4/1994 One of the oldest and most experienced private investigation firms in the Mid-At lantic Region. Investigator Excellent track record investigating wide range of claims, including, disability income, workers' compensation assessments, fraud investigations, insurance, and domestic scenarios. Delivered statements under oath, accident scene diagrams an d evaluations, skip tracing, and surveillance. MONTGOMERY MUTUAL INSURANCE CO., Sandy Spring, Maryland * 2/1993 - 9/1993 Property and casualty insurance company serving MD, DE, DC, NC, SC, VA and WV. Senior Claims Adjuster Top adjuster delivering persistent review of claim files. Confirmed closed files , closed reserves accordingly, resumed investigations on open claim files, and a djusted reserves according to outcome. Trusted by leaders to autonomously conduc t evaluation, disposition and settlement through effective negotiation of modera te to severe complex claims. Achievements: * Closed 55 of 220 open files and achieved zero reserves by closing all BI reser ves. * Minimized outstanding BI financial reserve allocation by 15% through settling claims at or below reserve amount. AGENCY INSURANCE COMPANY, Linthicum, Maryland * 6/1992 - 2/1993 Property and casualty insurance company serving MD, PA, VA and FL. Senior Claims Representative Delivered exceptional customer service by applying sound investigative technique s. Managed complex claims with significant exposure. Created detailed action pla ns to determine liability and negotiate settlement of claims. Achieved current s tate on all open claims. EDUCATION Bachelor of Business Administration Rider University, Lawrenceville, New Jersey COMMUNITY VOLUNTEER Laurel House, Norristown, Pennsylvania, 2000 - present Shelter for Battered Women and Children United Cerebral Palsy, Philadelphia, Pennsylvania, 2002 - 2005 Women's Center of Montgomery County, Jenkintown, Pennsylvania, 1994 - 1995
Wissahickon Middle School, Ambler, Pennsylvania, 2008 - present Blue Bell Elementary School, Blue Bell, Pennsylvania, 2001 - 2006 Congregation Beth Or, Ambler, Pennsylvania, 1998 - present
