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Property & Casualty Insurance/Expert Profile

Kevin Hromas - JD, EGA, RPA, PLCS, WIND Umpire

U.S.

Available

Expertise

Insurance related issues for both commercial and residential property coverage. 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.

Experience in the area

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. After a 20 year career as a General Contractor, I was employed by Allstate Insurance as an adjuster in Texas, holding various postitions within the property claims department. After leaving Allstate, I specialized in handling losses associated with major catastrophes through-out the country. (Hurricanes Isabel, Charlie, Wilma, Katrina, Ike, etc., hail storms, floods.) I am currently retained as an expert by multiple insurance defense firms in Texas for issues in litigation in regards to claims issues and practices. I am also a certified Umpire for formal appraisals.

Organizations

Member - Society of Registered Professional Adjusters Fellow - Council on Litigation Management Member - Property and Casualty Association Member - Texas Independent Insurances Adjusters Association Member - National Association of Independent Insurance Adjusters Member - Houston Claims Association Member – Windstorm Insurance Network Member – Association of Property & Casualty Claims Professionals

Publications

Claims Magazine (www.ClaimsMag.com and then search 'Kevin Hromas' for a full listing of articles and quotes.) www.ClaimsPages.com, www.ProAdjuster.org, www.KevinHromas.com

Education/Credentials

JD - University of Houston Law Center - 1992 BA - Southwest Texas State University - 1980 AA - South Plains College - 1977 PLCS - Personal Lines Coverage Specialist

Past/Present Clients

Certain Underwriters at Lloyd's of London, Fulbright & Jaworski (Law Firm) Bracket & Ellis (Law Firm) Thamm & O'Briant (Law Firm) Sheehy, Ware & Pappas (Law Firm) Walker, Wilcox and Matousek (Law Firm) Financial Guarantee Underwriters

Average Ratings

Recent Reviews from Users

User	Date	K	C	P	Comments
Susan	04/25/12	10	10	10	Thank you so much for your opinion .....
Georgia	04/18/12	10	10	10	Thank you Kevin! It is so nice .....
jan	04/06/12	10	10	10	I think Kevin Hromas should be rewarded .....
LISA	03/21/12	10	10	10
jan	03/21/12	10	10	10	Once again i had the liberty to .....

Recent Answers from Kevin Hromas - JD, EGA, RPA, PLCS, WIND Umpire

2012-05-15 Condo plumbing:

Gilbert, The condo by-laws dictate everything involved in both questions. Read those carefully to find out if it states anything about responsibility to pay service charges by individual owners, otherwise

2012-04-24 Ice dam damage:

Susan, I am sorry to hear about your problem. Generally, the adjuster was right with certain points in his analysis, however there are other considerations that have to be taken into account. Rot

2012-04-12 leak:

Leda, Probably need a little more information before a definitive reply can be made. Did the renter have their own insurance policy? I am guessing that this is a condo as you referenced "association's

2012-03-20 Neighbours negligence:

Sean, Generally, your insurance company should take basic steps to investigate any potential negligence in order to protect your interests. In this situation, they may think that the cost of the investigation

2012-03-16 flood insurance:

Lisa, Over 60% the property that floods every year is not actually in a designated flood zone. (My home here in Houston backs up to a bayou extension drainage canal but I am NOT in a designated flood

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