RAFAEL GRANADOS
Springfield,MO
Summary
As an experienced Auto Claims Adjuster, I bring a strong background in catastrophe response, field inspections, and multi-line claim handling. I've managed a wide variety of claims- including repairable, total loss, and storm-related- by producing accurate estimates, interpreting policy coverage, and reviewing repair shop supplements. I'm known for my adaptability in the field, effective communication with insureds, claimants, and third parties, and a collaborative approach to resolving complex claims.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Auto Field Adjuster
Shelter Insurance
Springfield , MO
08.2023 - Current
- Actively participated in on-site claims handling for named CAT events in Missouri, completing 21-day storm rotations and demonstrating adaptability in high-pressure environments
- Coordinated drive-in inspections by partnering with local Shelter agents and nearby businesses (e.g., car wash, church) to secure covered inspection space during severe weather
- Achieved fast claim cycle times during CAT rotations by completing thorough drive-in inspections and issuing payments within one hour per vehicle
- Demonstrate flexibility during CAT events by starting with drive-in assignments and transitioning to chase inspections as needed to complete remaining claims
- Earned recognition during CAT rotations from the Springfield MO claims manager, direct supervisor, and local Shelter agents for professionalism, responsiveness, and consistent high-quality work
- Investigate and resolve a variety of auto damage claims, including repairable, total loss, and catastrophe-related losses, ensuring accurate and timely settlements
- Conduct field inspections using Mobile Appraiser and write accurate estimates with CCC One and Quick Estimate tools
- Review shop estimates, supplement requests, and reinspections to confirm accuracy, ensure proper documentation, and resolve discrepancies while maintaining claim integrity.
- Recognized for maintaining one of the highest Hi Marley usage rates in the Springfield MO office, leveraging the platform to streamline communication with policyholders, claimants, and third parties
- Support peer adjusters by sharing expertise on specific claim types, improving communication methods, and offering tools to streamline workflows(CCC One, Mitchell)
Senior Claims Representative - Property Claims Adjuster
American National Insurance
Springfield, MO
12.2021 - 08.2023
- Managed a diverse portfolio of property claims, including Equipment Breakdown and Service Line, across multiple states, ensuring timely and effective resolution.
- Interpreted complex insurance policy language to determine coverage, demonstrating a high level of expertise and attention to detail.
- Communicated effectively with insureds and agents to provide clear explanations of coverage assessments and claim decisions.
- Conducted thorough investigations and collected necessary documentation to support accurate and fair coverage determinations.
- Issued well-reasoned coverage decisions, balancing the needs of the insured with policy guidelines and industry standards.
- Drafted formal correspondence with precision and professionalism, maintaining clear communication with all stakeholders.
- Collaborated with Underwriting to provide claim insights, contributing to the refinement of risk assessment and policy development.
- Maintained meticulous records of all claim activities, ensuring a comprehensive and auditable claim history in a high-volume work environment.
Claims Specialist - Auto, Specialty, and Fire/Theft
Progressive Insurance
Springfield , MO
01.2016 - 12.2021
- Managed a diverse portfolio of claims, encompassing personal auto, specialty vehicles, and fire/theft losses, ensuring comprehensive resolution for all parties involved.
- Conducted thorough field inspections of total loss vehicles at salvage locations, adeptly utilizing Mitchell estimating tools to assess and document damage.
- Investigated claim coverage meticulously, performing interviews and analyzing police reports, phone records, and supporting documentation to ascertain liability and detect potential fraud.
- Acted as a peer coach for the Fire & Theft team, enhancing team performance by sharing best practices and providing guidance on complex claim situations.
- Collaborated effectively with internal departments, including Underwriting, SIU, and Subrogation, to review repair shop estimates and facilitate seamless claim processes.
- Demonstrated exceptional organizational skills by handling a high volume of active claim files simultaneously, maintaining precise documentation and timely claim resolution.
Specialty Advisor - Credit Bureau Specialist
Chase Card Services (JPMorgan Chase)
Springfield , MO
12.2007 - 01.2016
- Conducted thorough investigations of credit bureau disputes involving credit cards, auto loans, student loans, and mortgage products, ensuring compliance and accuracy.
- Liaised effectively with customers to communicate resolution outcomes, maintaining high levels of satisfaction and trust in credit reporting processes.
- Played a key role in facilitating time-sensitive mortgage approvals by ensuring the integrity and availability of audit-ready documentation.
- Uphold stringent standards for credit reporting accuracy, contributing to the company's reputation for reliability in credit information management.
Skills
- Catastrophe (CAT) response
- Auto Damage Estimating
- Vehicle Field Inspections
- Attention to Detail
- Communication Skills
- Fraud detection & investigative documentation
Certification
Property and Casualty License in Georgia, Kentucky, Louisiana, New Mexico, Oklahoma, South Carolina, and Texas.
Timeline
Auto Field Adjuster
Shelter Insurance
08.2023 - Current
Senior Claims Representative - Property Claims Adjuster
American National Insurance
12.2021 - 08.2023
Claims Specialist - Auto, Specialty, and Fire/Theft
Progressive Insurance
01.2016 - 12.2021
Specialty Advisor - Credit Bureau Specialist
Chase Card Services (JPMorgan Chase)
12.2007 - 01.2016
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