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Insurance Law/Experts

Expert	Average Ratings	Expertise
Kevin Hromas U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 9.93 Clarity of Response 9.95 Politeness 10.00 Response Time(hr) 12.9 --Last 90 Days(hr) 5.3 Total Questions 102	I am a licensed, executive general adjuster currently holding a Texas resident P&C license (614250), New Mexico non-resident all lines license (248774), Oklahoma non-resident P/F/M license (A299561), Florida non-resident P&C license (E117051) and a National Flood Insurance Program certification (06040100). My areas of expertise involve property and casualty issues in both residential and commercial policies with regards to claims practices and issues. I deal extensively with Lloyd's of London commercial policies and various domestic carriers for residential policies.
Denise U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 9.75 Clarity of Response 9.80 Politeness 9.97 Response Time(hr) 54.7 --Last 90 Days(hr) 95.6 Total Questions 2306	I am a licensed Property/Casualty agent in the state of Wisconsin, a Certified Insurance Counselor and a Certified Insurance Service Representive, with a 15+ year background in personal insurance underwriting. I am currently working in the Homeowners and Auto field, and was licensed in Life and Health insurance years ago. I can provide input if you will give me a "one paragraph what`s the story", however depending on the situation, do note that as policy forms and endorsements vary by the state, the information may be general and educational in nature.

Expert

Average Ratings

Expertise

Kevin Hromas

U.S.

Available

I am a licensed, executive general adjuster currently holding a Texas resident P&C license (614250), New Mexico non-resident all lines license (248774), Oklahoma non-resident P/F/M license (A299561), Florida non-resident P&C license (E117051) and a National Flood Insurance Program certification (06040100). My areas of expertise involve property and casualty issues in both residential and commercial policies with regards to claims practices and issues. I deal extensively with Lloyd's of London commercial policies and various domestic carriers for residential policies.

Denise

U.S.

Available

I am a licensed Property/Casualty agent in the state of Wisconsin, a Certified Insurance Counselor and a Certified Insurance Service Representive, with a 15+ year background in personal insurance underwriting. I am currently working in the Homeowners and Auto field, and was licensed in Life and Health insurance years ago. I can provide input if you will give me a "one paragraph what`s the story", however depending on the situation, do note that as policy forms and endorsements vary by the state, the information may be general and educational in nature.

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Recent Answers

2012-02-01 Flood Insurance:

Pauline, All flood insurance comes from one source - FEMA - through the National Flood Insurance Program (NFIP). I have never seen a flood policy without a deductible and I do not believe a mortgage

2012-01-29 my tree landed on a borrowed car:

Judy, Most auto policies (with full coverage) will cover any auto that you are using on a temporary basis as a substitute for the listed auto. Homeowners policies do not cover vehicles and this is not

2012-01-27 Teenage Driver Insurance Law:

Cindy, The simplest answer is to get another insurance company! There is NO requirement that anyone is forced to be on your policy. What they are probably referring to is "proof of financial responsibility

2012-01-27 adding a driver:

Hi Renee- Well, yes. If there is another person in your household, the insurance company knows that that person has access to your vehicle. You could provide proof that this person is insured elsewhere

2012-01-23 outpatient drug & Alcohol insurance:

Albert, While my expertise is more to the "claims" side of the equation, there are a few things that you would want to discuss with your agent regarding the "underwriting" aspects of the policies you