Debra Combs Email & Phone Number

Cress Insurance, San Diego, CA 1/11 – 5/11Claims Representative• Identified, analyzed and determined coverage on Error & Omission policy claims that were issued to various, real estate agents, brokers, principals, loan officers, notary, property managers and other associated salespersons. • Utilized verbal and writing skills to effectively communicate the company’s position with regards to the claims investigation conducted and coverage determination. • Efforts resulted in the withdrawal of claims from the insureds and cost effective claims handling.American Claims Management, Carlsbad, CA 2006 - 2008 Construction Defect Adjuster• Identified, analyzed and controlled various comprehensive general liability risks by adjusting litigated property casualty claims. • Excellent verbal & writing skills allowed for successful interaction with the underwriting department and defense counsel to develop legal cost control strategies. • Efforts resulted in an overall two year reduction of 15% in legal cost for the claims litigation department. Golden Eagle Insurance, San Diego CA 1994 - 2006Senior Large Loss Specialist• Managed, evaluated, controlled and negotiated high exposure litigated and non-litigated multi-line primary and excess commercial policy claims. • Analyzed coverage, set reserves and reported to underwriting departments cost effective risk management control plans to minimize future losses. • Conducted on and off-site investigations with interviews & statements to determine liability. • Supervisory skills to include training claim assistants and substituting for manager when necessary. • Prepared & presented instructional PowerPoint sessions before the claims and underwriting departments.• Prepared & argued cases in small claims court, attended settlement conferences, arbitrations and monitored trials. Achieved the highest closing rate in the Calif. Regional office with the lowest settlement expenditures.Specialties: DocuTech Assurance provides complete inventory and insurance policy assessment services for home and business owners BEFORE a loss which also fosters transparency between the insured public and the insurance carriers.

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  Occidental College

  Political Science