Insurance coverage expert witnesses are experienced in the liability and risk stated within the terms an insurance policy. It is imperative to retain an insurance coverage expert witness for your case with experience matching the specific form of coverage is involved with the lawsuit in question. The terms of insurance coverage often changes depending on the specific details of each type of policy, whether it is a policy related to homeownership and other forms of property, automotives, engineering projects, life insurance, or other forms of coverage.
Insurance coverage encompasses the many details related to insurance policies, including insurance claims, insurance contracts, underwriting, premiums, risk management, insurance brokerage, premises liability, and product liability. Insurance coverage expert witnesses are often knowledgeable in specific types of policies, such as automotive insurance, flood insurance, workers compensation, business interruption insurance, ocean marine insurance, general liability insurance, umbrella and excess liability insurance, builders risk insurance, excess and surplus lines insurance, property insurance, casualty insurance, reinsurance, and other forms of coverage.
Insurance coverage expert witnesses are also knowledgeable in the proper procedures involved with taking out insurance coverage, including the establishment of insurance contracts and the rules and regulations contained therein. Such experts are licensed and certified as broker agents, surplus lines brokers, reinsurance/insurance arbitrators, underwriters, and other related professions. Insurance expert witnesses are often retained for insurance bad faith cases.
Attorneys have turned to ForensisGroup for the most authoritative of expert witnesses since 1991, making us a leader a in the field. Submit an expert request form or call us today to retain a highly qualified insurance coverage expert witness for your case.
I have spent over 50 years working in Insurance Regulatory Matters with a focus in global regulatory standards, ComFrame, reinsurance standards, capital standards, life insurance regulation, property/casualty reinsurance, title, mortgage guaranty and financial guaranty. I have also offered my services for more than 50 years as an insurance regulatory matters expert witness by providing deposition, consultations, and courtroom testimony.
I have more than 30 years experience in the healthcare/health insurance industry. My experience includes, but is not limited to, sales, sales management, sales distribution channels (including internal sales and outside broker/agents/consultants, operations (billing, claims, customer service), underwriting, product, compensation plans, and profit and loss management. My indirect responsibilities included, but not limited to, actuarial, finance, network development and contracting, compliance, and marketing. My experience includes Individual and Group products/business in commercial and government (Medicare) lines of business. I am offering my services as a healthcare expert witness.
I have over 40 years experience in Insurance with a focus in property management insurance, underwriting, casualty insurance, inland marine property insurance, risk management, D & O, Worker's compensation, and claims management. My background is in property coverage under builder’s risk (a type of Inland Marine insurance) and what is known as Completed Civil Works, such as operational bridges, tunnels, and dams. I have also worked as an insurance expert witness in New York for more than 30 years by offering consultations, deposition, and courtroom testimony.
I have over 20 years of experience in healthcare coding and over 15 years as a compliance expert, forensic coding expert, and consultant. My expertise includes healthcare service coding, documentation and compliance, statistical error rate prediction methods and health insurance fraud involving E/M coding, diagnostic testing and physical medicine services on behalf of both healthcare providers and insurance carriers. I have more than 15 years experience working as a medical billing expert witness in Pennsylvania by providing deposition, consultations and courtroom testimony.
With over 35 years experience in Financial Planning, my expertise is in estate planning for estate tax purposes and wealth transfer for multi generational business. I have additional knowledge in retirement planning, college planning, life insurance for individuals, group health insurance, disability insurance, 401k, and long-term care. I also have prior experience as a financial planning expert witness in Texas.
I have more than 35 years experience in the field of information technology with a particular focus in insurance industry and financial services sector. My experience includes entrepreneurship, project management, multiple platform application development, life insurance product knowledge, and problem resolution. I have also worked as an insurance information technology expert witness in Florida and have provided numerous clients with consultations, courtroom testimony, and deposition.
The Eighth Circuit Court of Appeals recently heard an appeal from a district court's denial of a motion for new trial on the basis of excluded expert evidence.A jury awarded an insured under a commercial-property insurance policy $76,000 for covered hail and wind damage to the exterior of two properties, but it found that the policy didn’t cover the water damage to the interiors.A hail storm damaged Appellant’s properties, and she sought coverage replacing the damaged portions of the homes. Insurance Company disputed the claims, and they went to trial on two of the properties. The parties didn’t dispute that hail and wind damage to the properties' exteriors constituted a covered loss under the policy. However, they disagreed on the amount of coverage and whether the policy covered water damage to the properties' interiors. Appellant claimed that damage to the roofs and windows let water seep inside and that the resulting interior water damage was a covered loss. Insurance Company said that water leaked into the properties because of deferred maintenance, not hail damage. As such, it refused to cover the interior damage.Appellant enlisted a public adjuster and a roofing consultant to assess the damage. The insurance expert inspected the properties and issued a written expert report, which described hail and wind damage to both properties' exteriors, particularly the roofs. The insurance expert observed interior water damage at both properties, and based on its location and its appearance shortly after the storm, he opined that it was from water entering the homes through the external damage. He also said that the roofs and other items at both properties should be replaced. Appellant’s roofing expert issued an expert report based solely on his review of the insurance expert's and Insurance Company's reports and photographs of the properties. In that report, he opined regarding on property that "[w]ater intrusion within the home may be the result of defects within the . . . roof caused by wind and hail impact." The report didn’t mention water damage to one of the property's interior but did note that the roof was damaged and that it required major repair or replacement.Appellant’s roofing expert wanted to take a core sample of the property's roof to determine how it was constructed, but snow and ice kept him from doing so at the time of his initial report. But he went to the property later to take the samples, which showed the presence of moisture both within a top roof layer and an older layer beneath it. The expert believed this indicated that the roof needed to be replaced rather than repaired. The parties deposed the roofing expert, and he mentioned these findings. However, Insurance Company’s counsel objected to his mentioning those findings without a supplemental report. Appellant’s roofing expert did draft a supplemental report, but Appellant didn’t disclose it at the time.The original deadline for Appellant to disclose expert witnesses and reports was postponed, largely on stipulation of the parties, six times, and the final amended progression order set the deadline. Appellant subsequently served Insurance Company with supplemental expert reports from both of her experts. The supplemental report from Appellant’s insurance expert included updated damages calculations for each property based both on updated pricing for materials and on the inclusion of interior water damage not presented in the insurance expert's original report. The supplemental report for Appellant’s roofing expert was the as-yet-undisclosed report her roofing expert drafted addressing the core-sampling results. At that time, jury trial was set, and the supplemental reports were thus untimely not only regarding the progression order but also under Federal Rule of Civil Procedure 26(a)(3)(B)'s requirement that such disclosures be made at least 30 days before trial. Subsequently, the trial was postponed because of Appellant's counsel's illness.Insurance Company moved to exclude the supplemental insurance and roofing experts’ reports. The district court noted that, although Appellant's disclosure was untimely under the federal rules at the time it was served, it wouldn’t exclude the reports based on this because Insurance Company had at least 30 days' notice due to the extension of the trial date. But the district court excluded any new items of damage in Appellant’s insurance expert's supplemental report, holding that it was “far too late for Appellant to raise new items of damage she has not previously claimed."The district court also excluded from the Appellant’s roofing expert’s report evidence concerning the moisture in the roof as a justification for her insistence that the roof be replaced. The district court observed that Appellant offered no credible excuse why she didn’t provide the supplemental report to Insurance Company at the time it was drafted. The lower court concluded that it would be prejudicial to Insurance Company to allow Appellant to raise a new theory on why replacement rather than repair was required because it didn’t have the opportunity to explore the moisture-in-the-roof theory of replacement during discovery. The trial judge also noted that, although the results of the roofing expert's core sample were discussed at his deposition, Insurance Company was not obligated to presume the issue of replacement due to roof moisture would be raised without a supplemental report.Appellant argued that she was so prejudiced by the incorrect exclusion of certain portions of the supplemental reports by her insurance and roofing expert that the district court should’ve granted her a new trial. Circuit Judge Clarence Beam wrote in his opinion that Federal Rule of Civil Procedure 16(f)(1)(C) allows a district court to "issue any just orders" to sanction parties for failure to follow a pretrial scheduling order and includes "prohibiting the disobedient party from . . . introducing designated matters in evidence" under Rule 37(b)(2)(A)(ii). Further, Judge Beam noted that in Patterson v. F.W. Woolworth Co. (8th Cir. 1986), the Court of Appeals stated that the factors that a court should consider in deciding whether to exclude the testimony of a witness not made known in a manner complying with a pretrial order include: (i) the reason for failing to name the witness; (ii) the importance of the witness's testimony; (iii) opposing party's required time to prepare for the testimony; and (iv) whether a continuance would be useful. These factors, the judge explained, have also been applied to supplemental expert reports disclosed later than provided for in a progression order.The Circuit Court held that the district court was within its discretion when it excluded certain portions of the supplemental expert reports and did consider the Patterson factors. As to the roofing expert’s supplemental report, the district court noted Appellant had no reason for the extreme delay of her disclosure—despite the fact that she had the report six months earlier; the lack of opportunity for Insurance Company to develop evidence and respond to the roof-moisture theory of replacement at the property; that she did not request a continuance; and that "[a] continuance at the eleventh hour was not appropriate." As to the supplemental report of her insurance expert, the district court again noted its "egregiously untimely disclosure" and observed that the new claimed damage was less than 5% of the total damages Appellant sought.Also, the Court held that Appellant wasn’t prejudiced by the exclusion of this evidence resulting in fundamental unfairness, as she could’ve called her roofing expert to support her interior-water-damage theory, which was included in both his original and supplemental reports. Appellant’s insurance expert's original report likewise presented similar opinions and even included the opinion that the roof of one of the properties needed to be replaced. The roofing expert's original report acknowledged that possibility.The Eighth Circuit agreed that the jury clearly rejected Appellant's claim to any interior damage whatsoever, and thus, the exclusion of the new items of interior damage didn’t prejudice that claim. The district court applied the law correctly under the federal rules and acted within the scope of its discretion in excluding certain portions from the supplemental expert reports. The decision was affirmed. Amplatz v. Country Mutual Insurance Company, No. 15-2645, 2016 U.S. App. LEXIS 9540 (Cir. 8 (Minn.) May 25, 2016).
My career as an Appraiser has spanned over two decades specializing in Antiques, Fine Art, and Residential Contents. I have experience appraising museum collections, galleries, private collections, institutions, estates and residential contents ranging from fine art and antiques to everyday household goods. I have additional expertise in insurance/replacement & market valuations to estate appraisals. My previous expert work as an appraisal witness experience includes offering consultations and courtroom testimony.
My career has spanned more than 35 years in the field of Risk Management and Insurance with a particular focus in the oil, gas, marine, and energy industries. I have experience in producing and handling energy, marine, D&O, political risks, liability, accounts and overseeing R&D. I have provided consultations and deposition as an energy insurance expert witness in Texas.
For over 40 years, I have worked in the Property and Casualty Insurance Industry by serving clientele in various fields, such as OCIP/CCIP/Wrap-Ups; Manufacturers; Pharmaceuticals; Oil Jobbers; Truckers; Retailers; Banks; Engineers; Aviation; Wildlife Parks, etc. My expertise includes Standard of Care in Insurance Agent Broker Errors & Omissions; Insurance Bad Faith; and Claims Handling Custom & Practice; Case Assessment; Insurance Policy Construction; Carrier Claims Negotiation / Coverage Disputes, etc. I have been providing expert witness services for more than 10 years as an Insurance Expert Witness In Texas in the areas of Flood Insurance, Commercial Ocean Marine Insurance, Commercial Auto Insurance, Agent Errors and Omissions, Pollution / Environmental Liability Insurance, and Business Income / Extra Expense Insurance.
I have more than 30 years of experience as a Life Underwriter. I am the Founder and Principal of an audit, advisory, and actuarial firm focusing on the development of proprietary discovery, analysis, forward modeling and negotiating techniques associated with the employee benefits industry. I also founded a research foundation that focuses on researching healthcare delivery, financing and consumer issues to expand the utility and transparency of statistical and mathematical metric techniques required to accurately forecast future trends. I have prior expert witness experience with consultations and deposition.
I have more than 45 years of experience as an Insurance Agent and Broker. My particular expertise is in insurance coverage analysis, and I am very familiar with all phases of the insurance industry, including consulting on bad faith, customs and practices, and standards of care. I have over 30 years of expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 20 years of experience as a property and casualty actuary, and am a member of the American Academy of Actuaries since 1998. This experience includes insurance companies, brokers, and a national insurance rating bureau. I have developed actuarial analyses and presented and defended them before industry-wide review committees over 50 times. For nine years I served on a joint committee that composed examinations to test and qualify actuaries. I have served on numerous committees. My service includes the Workers Compensation and the Property Lines subcommittees of a Casualty Practice Council. I have written 16 research papers and articles on actuarial and insurance subjects.
I have more than 35 years of experience in insurance law and coverage, as well as in commercial litigation, contracts, disability, ERISA benefits, personal injury, and civil litigation generally. My insurance practice is principally for policyholders and claimants, but presently I am also national coverage counsel for one insurance company. My practice involves all types of insurance, including general liability, professional liability, directors and officers, excess and umbrella liability, auto, homeowners, commercial property, disability, life, health, and reinsurance. I handle policy claims, bad faith claims, declaratory judgment actions, rescissions, equitable contribution and equitable subrogation claims between insurers, and claims against agents and brokers. I have also negotiated and drafted policy language for insurers and policyholders, policy buybacks and commutations, and cost-sharing agreements among insurers and policyholders for mass torts. I frequently consult with other attorneys on insurance coverage issues, for example, construing the liability insurance of their clients or of their opponents. I have over 10 years of expert witness experience with consultation and deposition.
I have over 45 years of experience as a licensed life, health and property and casualty insurance agent, broker, and consultant. These licenses have been issued by examination with continuing education in the fields of life, health, disability, variable annuities, property and casualty insurance and mutual funds. I am an expert in forensic reconstruction of insurance transactions, specializing in policy interpretation of the rules, laws and regulations governing insurance and financial matters. I have over 40 years of expert witness experience with consultation, deposition, and courtroom testimony.
I have more than 30 years experience in the Insurance industry with experience as a public and independent adjuster. I am experienced in policy review and the adjustment of all lines of insurance claims, with specialization in homeowner, commercial fire and theft losses, and liability investigations for insurance carriers. I have over 30 years expert witness experience with consultation, deposition, and courtroom testimony.
I have more than 25 years experience in the field of Law with expertise in equitable distribution and insurance coverage matters, third party liability defense, general commercial and civil litigation, and commercial matters. I have experience with the resolution of contract and commercial disputes, commercial and medical collection matters, travel insurance coverage and claims, and insurance defense. I also have experience with employment litigation, commercial transactions, real estate litigation and transactions, and personal injury litigation. I have over 10 years expert witness experience with consultation and courtroom testimony.
I have more than 45 years of experience in providing analysis of construction defect exposures, including analysis of risk exposure coverage; Labor Code exposures, ADA compliance, including assisting with administration of prevailing wage in California; to assist with operational concerns, logistics, risk management, Workers Compensation underwriting and executive management. As a Claim and Litigation Manager my responsibilities included significant case handling for exposures in excess of client’s self-insured retention through various levels of the reinsurance in the United States and offshore venues. I have over 15 years of expert witness experience with consultation and deposition.
I have more than 45 years experience in the Insurance industry with expertise in Property Casualty for commercial policyholders. I have experience with management consulting for insurance agencies. I have over 10 years expert witness experience with consultations and deposition.
I have more than 50 years experience in the field of Insurance with expertise in Risk Management. I have experience with related property and casualty insurance; fairness of premium charges; services provided by agents, brokers and insurers; and risk financing techniques. I have performed risk management and insurance studies, including enterprise risk management assessments and merger and acquisition due diligence. I have over 35 years expert witness experience with consultation, deposition, and court testimony.
I have over 35 years of experience in Specialty Law Practice in insurance matters with emphasis on coverage issues. My expertise includes all personal and commercial liability lines and coverage (Commercial General Liability, Builders Risk, Course of Construction, Professional Errors and Omissions, Director and Officers, Contractors, Inland Marine, Surplus Lines, Specialty Lines, Excess and Umbrella, Employment Practices Liability, Personal Liability, Commercial and Personal Vehicle); and drafting liability insurance policy language (Commercial General Liability, Personal Liability and Environmental Policies). My experience involves Claims Handling; Duty to Investigate; Duty to Defend; Duty to Indemnify; Contribution among Insurers; Excess Insurer "Drop Down"; Rights and Duties of Primary/Excess Insurers, Bad Faith Issues, Professional Liability of Attorneys and Agents/Brokers Relating to Insurance Issues. I have more than 20 years expert witness experience with consultations, deposition, and courtroom testimony.
I have over 40 years experience in the field of Insurance and Reinsurance. My extensive experience includes all phases of property / casualty / professional liability insurance, reinsurance, insurance industry custom and practice, and industry standards of care. I also have experience as an underwriting manager for several insurance and reinsurance companies. My experience in underwriting includes complex major commercial casualty accounts as well as manuscript primary and umbrella forms. As a reinsurance broker with several major intermediaries, I placed a broad spectrum of facultative and treaty reinsurance for “Main Street” insurers as well as many carriers writing specialized lines such as Kidnap and Ransom, Professional Liability, Auto Racing, Patent Infringement, and Employment Practices Liability. I have additional experience in insurance company and broker relationships, various types of pool arrangements used as a risk financing / management mechanism for participating members including association captives, group owned captives, insurance disputes, risk retention groups, and joint power of attorney. I have more than 10 years expert witness experience with consultations, deposition, and courtroom testimony.
I have over 40 years as a consulting actuary, reinsurance consultant, and insurance arbitrator. My expertise includes: property and casualty insurance and reinsurance cases where actuarial loss reserving or pricing issues are important; interpretation of insurance policy wording; reinsurance contract terms based upon industry custom / practice and the intent of the parties; calculation of profit commissions; calculation of collateral requirements; estimation of mass torts; incurred but not reported (I.B.N.R.) loss reserves; and reinsurance commutation pricing issues. I have prior expert witness experience.
I have more than 35 years experience in the field Insurance with expertise in domestic and international insurance and reinsurance casualty claims. I have experience with all lines of property and casualty claims, with demonstrated expertise in professional liability, Architects and Engineers, Directors & Officers, general and product liability. I have a strong background experience in internal controls and compliance, internal compliance audits, insurance and reinsurance claims monitoring, auditing, cpcu, and counseling, as well as, management and supervision of legal and professional reinsurance staff. I have over 20 years expert witness experience with consultations, deposition, and court testimony.
I have over 30 years experience in the Insurance industry and have provided services in all insurance matters. My expertise includes agency operations, agent due care, bad faith, due diligence, underwriting and risk analysis, right of subrogation, E&O matters, commercial underwriting, workers compensation, placing and binding coverage, agency loss ratio, life and disability insurance, standards of the industry, commercial insurance coverage, personal lines of coverage, risk analysis, risk prevention, agency evaluation, agent carrier relations, claims handling, risk retention, medical coverage, condominium and mobile homeowners, the policy as a legal contract, JPA and defense against law suits. I have more than 10 years of expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 30 years experience in Civil Litigation, specializing in appellate litigation. My areas of expertise include major business matters such as insurance coverage, creditor's rights, creditor claims stemming from bank failures, employment discrimination, and advertising practices, as well as social issues involving privacy, child welfare, indigent representation, and wrongful death.
I have more than 30 years experience in Construction Law, including experience with all phases of engineering and construction contracting, design, bidding, change orders and claims preparation, errors and omissions claims, mechanic's liens and bond claims, public and private work, litigation and alternative dispute resolution; insurance claims and disputes regarding design and construction coverage; and arbitration, mediation and other forms of ADR. I have diverse project experience ranging from large civil industrial and commercial projects to failed real estate development projects and construction defect litigation, and have established working relationships with the top consultants in these areas. I have experience representing owners, developers, contractors and design professionals both as plaintiffs and as defendants. My areas of expertise also include sales of goods, business torts, insurance coverage, and real estate development, including related financial services.
I have more than 20 years experience as an Actuary. I have experience providing a broad range of actuarial consulting services to insurance companies and self-insured entities. My areas of expertise include litigation support, reserve evaluations, pricing and ratemaking for personal and commercial lines of insurance, insurance disputes, credit risk management, financial modeling, captive evaluations, Casualty Actuarial Society (C.A.S.), asbestos and other environmental evaluations, and risk financing alternatives. I have prior expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 30 years of experience in the field of Property and Casualty Insurance with expertise in casualty reinsurance to commercial and personal insurance coverage. I have experience with insurance contracts, coverage, and insurance disputes; as well as knowledge of insurance company and broker relationships, cyber liability and risk, and real estate insurance.
I have more than 30 years in the field of Insurance and Third-Party Administration. My expertise includes bad faith, coverage denial, adjuster standards-of-care, extracontractual liability, insurance disputes, benefit claims and appeals, claims and loss damages, assessment of insurance claim practices, insurance industry custom and practice, and claims-handling for policyholders and insurers. I have over 10 years expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 35 years experience in the field of Property and Casualty Insurance. Extensive experience in risk management, liability losses, contractor delay claims, program design, safety oversight, administration, claims handling, claims and loss damages, brokers errors and omissions, and property losses. My additional knowledge includes consolidating insurance programs for parent and subsidiary companies, funding techniques, insurance standard of care for agents and brokers, and structuring innovative solutions and alternatives. I have over 5 years expert witness experience.
I have more than 20 years experience in the field of Insurance and Commercial Litigation. My focus of practice includes representation of insurers in complex insurance coverage matters, particularly in the areas of environmental pollution, toxic torts, construction defect, product defect / recall, and professional liability matters. I represent insurers in coverage litigation arising from claims concerning the current era of Pollution Liability and Environmental Impairment Liability Policies. My services further include monitoring counsel services, assisting insurers and other stakeholders in working with defense counsel, the insured, and its coverage counsel for evaluation exposure, and effectively handling and resolving claims for which a defense and / or coverage is being afforded. I frequently represent parties in commercial litigation, including environmental, construction defects, professional errors, and omission matters. I have more than 10 years expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 35 years experience as a practicing attorney in the field of Business Litigation. I have experience handling contractual disputes and contractual interpretation. My expertise includes partnership agreements, lease agreements, commercial lease negotiations, software license agreements, literary and publishing agreements, intellectual property, and trademark and copyright infringement matters. My additional experience consists of insurance coverage involving insurance policies of every nature; bad faith, fee dispute, legal malpractice matters, brokerage malpractice, professional fee review and analysis, legal representation and charges associated therewith. I have 25 years expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 20 years experience in the field of Insurance, including combined insurance brokerage and executive senior corporate counsel experience. I have over 10 years executive management experience with international, large regional, and financial institution-owned insurance brokerages. I also have more than 10 years senior in-house litigation case management experience handling multiple billions of dollars in case exposures in nearly every state and throughout the world for two of the largest international insurance brokers, in addition to handling regulatory compliance, contract negotiations, insurance company and broker relationships, insurance standard of care for agents and brokers, insurance industry custom and practice, non-admitted insurance, and employment matters. I have prior expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 10 years in the field of Insurance with expertise in all types of insurance coverage. My experience includes Insurance Brokers/Agents Errors and Omissions issues, bad faith, analysis, research, insurance brokering, and underwriting. I have over 10 years expert witness experience with consultations, depositions, and courtroom testimony.
I have more than 50 years of experience with the insurance industry and claims handling. My experience includes working as a field adjuster, claim examiner, claim supervisor, and claim manager. I have additional experience as a corporate officer and as an independent insurance adjuster handling a variety of different types of claims. I organized and chaired a claim committee to review coverage issues, claims denials, insurance industry custom and practice, and evaluation of high value cases. I am able to evaluate the claims handling for compliance with manuals, the Fair Claims Practices Act, and acceptable industry standards. I have prior expert witness experience.