Property insurance expert witnesses are often retained for insurance bad faith cases. Property insurance provides financial coverage in the event that one’s property and/or belongings, whether it is a house, office building, farm, or any other type of land or structure, is somehow damaged, stolen, or violated in some fashion.
Like other types of insurance, property insurance expert witnesses are experienced with such issues as bad faith, claims and loss damages, insurance fraud, contract preparation, contract management, risk management, claims handling, arbitration, underwriting, brokerage, reinsurance, agent and broker standards, and other areas pertaining to insurance matters. Property insurance expert witnesses are also skilled with various financial matters as they pertain to the field, including due diligence, statistics, probability, property appraisal, fiduciary liability, and other related matters.
Property insurance expert witnesses are also experienced with other types of insurance practiced within the field, such as homeowners insurance, earthquake insurance, flood insurance, and fire insurance, in addition to other types of weather or disaster-related coverage. Property insurance also covers cases in which homes or other types of property are vandalized or victim to any sort of criminal damage. Property insurance not only covers buildings, homes, and land, but items that are under an individual’s possessions, as any type of property may be insured for future protection against the elements and other types of damage.
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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.
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 background of over 40 years in the field of Insurance includes working as an agent, P/C agency owner, broker, Surplus Lines broker, underwriting Managing General Agent (MGA), Third Party Administrator (TPA) claims handler and active reinsurance company executive. I have expertise in commercial insurance, property/casualty insurance, significant property exposures (manufacturing & warehousing), inland marine, auto fleets, workers compensation, commercial general liability and professional liability (E&O) risks. I have over 10 years experience as an insurance expert witness in Wisconsin and have provided testimony in the areas of Insurance Bad Faith; Insurance Customs and Practices; Insurance Professional Liability; Insurance Property Casualty; and Insurance Agents & Brokers Standard of Care.
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 20 years of experience in the Insurance industry. I have worked with Fire and Casualty insurance, Life and Health, Accident, and Variable Contracts. I am the President and Principle Agent of an insurance services company, where I have agent status with multiple insurance groups. I have over 10 years of expert witness experience with consultations and deposition.
I have more than 30 years of experience in life insurance, health insurance, property and casualty insurance, workers’ compensation, professional liability, general business insurance, risk management, financial planning, employee benefits, compliance, and insurance agents and brokers duty to perform. I have focused on the areas of complex insurance portfolio plan design and implementation, coverage, consulting and compliance, executive compensation, business perpetuation planning, deferred compensation and estate planning. I have been a Chief Risk Officer for an international resort, hospitality, and property management operation. I have over 15 years of expert witness experience with consultation, deposition, and courtroom testimony.
I have more than 30 years experience in the field of Insurance with expertise in negotiating the sale and purchase of insurance agencies and the terms and development of specialized insurance products in partnership with major insurance companies. I have additional experience with formation and management of group captives. I have over 10 years expert witness experience.
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 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 25 years of experience in the field of Insurance with expertise as President of a brokerage firm. This experience affords me a unique ability to ascertain and explain risk in simpler terms. I consult in: fully insured, self funded/self insured medical plans consulting, self funded property and casualty programs, stop loss, reinsurance, risk contracting, provider excess loss, HMO reinsurance, provider risk contracting, PPACA and medical plan design, annuities, and indexed universal life. I’m currently an Adjunct Professor and Speaker, and have over 40 articles and letters that have appeared in various publications and several professional newsletters. I am federal court qualified. I speak, broker, and consult internationally on managed care, self-funding, risk contracting, and insurance and reinsurance issues. I have over 5 years of expert witness experience with consultation, deposition, and courtroom testimony.
I have more than 40 years of wide-ranging experience in the insurance industry. My expertise includes: insurance, risk management, insurance fraud, property insurance, life insurance, disability insurance, excess and surplus lines insurance, homeowners insurance, and workers compensation. My additional expertise includes: aviation insurance, marine insurance, yacht insurance, liability insurance, errors and omissions insurance, bad faith, insurance claims, excess and umbrella insurance, offshore insurance, duty of care insurance, and custom and practice insurance. I have prior expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 45 years experience in the field of Insurance Litigation with expertise in disputes involving agents’ and brokers’ errors and omissions, claims handling and bad faith, coverage issues and related customs and practices in property and casualty insurance. I have experience with various aspects of coverage. I have over 15 years expert witness experience with consultation, deposition, and courtroom testimony.
I have more than 35 years experience in the field of Risk Management and Public Accounting with expertise in advising commercial clients on property casualty insurance and self-insurance programs. I have experience with analyzing loss exposures and advising on insurance and non-insurance risk management alternatives, including contractual risk transfers, loss control and claims management, and providing due diligence. I have over 15 years 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 more than 45 years of experience in insurance underwriting, marketing, brokerage, and consulting. My expertise in property insurance includes: building, stock, furniture and fixtures, tenants improvements, accounts receivable, valuable papers, business interruption, extra expense, rental income, contingent business interruption, and all risk, including earthquake and flood perils, boiler and machinery, and inland marine coverages. My expertise in liability insurance includes: automobile, contractual, general, liquor, products, umbrella and excess liability, and environmental impairment. My experience with professional liability insurance includes: errors and omissions (E.&O.) for architects and engineers, attorneys, real estate brokers, and securities dealers; medical malpractice; publishers liability; employment practices liability; and directors and officers liability. I have additional expertise in insurance for workers’ compensation, employer’s liability, crime, nuclear energy, political risk, pollution and pollution business interruption, product recall, and reinsurance. I have prior expert witness experience.
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 30 years experience in the insurance and risk management fields as an underwriter, retail broker, program manager, consultant and expert witness. My expertise includes insurance broker operations and standard of care, insurance industry custom and practice, insurance company and broker relationships, insurance standard of care for agents and brokers, insurance disputes, marketing in the United States, London, Europe and Bermuda, alternative risk financing techniques, cpcu, program structure, and coverage analysis. I have prior 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 over 40 years as a Certified Public Accountant (C.P.A.) and finance expert, with experience in insurance and financial operations of multi-million dollar, international companies. My insurance expertise includes: aviation / casualty / property insurance; reinsurance; and underwriting. My financial expertise includes: acquisitions / divestitures / mergers; auditing; financial planning / reporting; human resources (performance measurement, executive compensation, pensions); marketing; medical technologies; merchant banking; risk management; and venture capital investing.
I have over 35 years experience as a practicing attorney specializing in insurance law. My expertise includes: agent liability; appraisal; bad faith matters; business law; claims (disability / health / liability / life / property); construction defects; contracts; first / third party coverage; insurance law; intellectual property; and all forms of insurance. I have additional expertise in general business, civil, and real estate litigation. I have more than 20 years experience with consultations, deposition, and courtroom testimony.
I have more than 40 years experience in the field of Insurance. My expertise includes both underwriting and brokerage specializing in major accounts and custom-designed coverage with high hazard casualty and property insurance. My additional areas of expertise include: bad faith, coverage, wording, and intent; industry standards, norms, practices, and ethics; excess and surplus lines; reinsurance; large risk underwriting; brokers and brokerages; managing general agents and senior management; as well as commercial and professional liability. I have over 15 years expert witness experience with consultations, deposition, and courtroom testimony.
I have over 35 years experience in the property & casualty insurance business with particular emphasis on underwriting and management. My practical experience covers a wide spectrum of the business including overall insurance company management, evaluation and purchasing of treaty reinsurance, establishing underwriting policy and ownership of a Managing General Agency (MGA). My areas of expertise include casualty and property underwriting, policy and coverage analysis, MGA / insurance company relationships, reinsurance, program design and underwriting, industry standards and practices, premium auditing, claims / underwriting relationships, as well as, general practices & procedures. I have more than 10 years expert witness experience.
I have 30 years experience as an insurance lawyer. My experience includes all phases of litigation, coverage and appellate work, as well as lengthy service as in-house counsel for major property-casualty insurer, which directly involved case management of extra-contractual litigation on a nationwide basis.
I have many years experience in the field of Property and Casualty Insurance with expertise in reinsurance. I have experience with claim handling; appropriate underwriting disclosures, claims and loss damages, and compliance with contract terms. I have additional knowledge of bad faith, duties of insurers and agencies; property/construction defect; underwriting, arbitrator, duty to defend, and suspected fraud. I have over 20 years expert witness experience with consultation, deposition, and courtroom testimony.
I have more than 40 years of experience in the commercial insurance industry with expertise in the customs and practices of the Bermuda Excess Liability insurance market, and the use and interpretation of the so-called Bermuda Excess Liability Application and Policy form. I have an in-depth appreciation and knowledge of the insurance agent/broker relationship, insurance standard of care for agents and brokers, and in determining whether or not the agent/broker has met their standard of care due the client under state law. I have additional knowledge of insurance industry custom and practice, cases involving insurance broker errors, brokerage malpractice, and omissions claims, property damage/business interruption, insurance disputes, and insurance agency breach of contract disputes. I have over 10 years 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 experience in the field of Insurance with expertise in negotiating the sale and purchase of insurance agencies, insurance company and broker relationships, and the terms and development of specialized insurance products in partnership with major insurance companies. I have additional experience with formation and management of group captives.
I have more than 25 years experience in the field of Risk Management. My extensive experience includes property, liability and worker’s compensation, officer’s liability insurance, employment practices liability insurance, insurance broker management, insurance company and broker relationships, fiduciary liability insurance, insurance risk calculations, business crisis management, and crisis and disaster planning. 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 30 years experience in the insurance industry (Property, Casualty and Life/Health insurances) with special emphasis on company agency / company disputes, professional responsibility issues, insurance practice and standards, insurance industry custom and practice, insurance standard of care for agents and brokers, insurance company responsibility for underwriting and claims processing; standard of care; reasonable care and diligence; insurance company and broker relationships, and special relationships. I have over 10 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 30 years experience in insurance. My expertise includes: property / casualty insurance, agency management, and operations. I have experience in errors and omissions, including binding authority / procurement of coverage, claims handling, segregation of funds, and documentation. I am also knowledgeable in due diligence and policy interpretation, including commercial, personal, automobile, homeowners, commercial crime / inland marine, general liability, and workers compensation matters. I have over 10 years expert witness experience with consultations, deposition, and courtroom testimony.
I have over 50 years claim experience, from claim rep to supervisor. I am experienced in insurance claim, coverage, and bad faith. I have more than 35 years as a coverage and bad faith defense lawyer with over 20 published and unpublished appellate cases. I have experience with qualified trial testimony in over 100 trials involving first and third party claims, underwriting, legal malpractice, coverage, rescission, reformation, cancellation coverage, and advice of counsel. I have experience with testimony for both policyholders and insurance companies. I have more than 25 years expert witness experience with consultations, deposition, and courtroom testimony.
I have over 20 years experience in Insurance & Risk Management. My expertise includes: standard of care for agents and brokers, insurance broker management, systems and procedures, insurance industry customs & practices, insurance carrier/broker relationships, and insurance carrier bad faith. My coverage areas of expertise include: commercial & personal lines of property and casualty insurance, professional liability and errors & omissions insurance, directors & officers liability, employment practices liability insurance (EPLI), insurance industry custom and practice, worker compensation insurance, life and health insurance, and surety issues. I have more than 5 years expert witness experience with consultations, deposition, and courtroom testimony.