• Investigate, evaluate, and adjust insurance claims to determine coverage, liability, and damages in compliance with carrier authority, company guidelines, and Department of Insurance regulations. • Analyze policy language and prepare accurate coverage correspondence, including reservation of rights and denial letters, as applicable. • Conduct thorough investigations, including interviews, site inspections, and review of police reports, medical records, photographs, and proof of loss. • Document claim activity and prepare detailed reports addressing coverage analysis, damage assessments, reserves, and settlement recommendations. • Negotiate fair and timely claim resolutions in accordance with legal requirements, industry standards, and assigned authority. • Communicate professionally with claimants, insureds, brokers, attorneys, and other stakeholders, providing timely updates and responsive customer service. • Collaborate with internal teams, including management, coverage, and accounting, and participate in carrier calls, presentations, mediations, and strategic discussions. • Maintain complete, accurate, and timely claim files in the claims management system, including diaries, notes, correspondence, and required documentation. • Monitor claim progress, meet established deadlines, and ensure ongoing regulatory and carrier compliance. • Stay current on industry trends, regulations, and best practices through ongoing training and professional development.