Insurance Law/Expert Profile

Ask A Question


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

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. I am also a certified Umpire for formal appraisals.


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


Claims Magazine ( and then search 'Kevin Hromas' for a full listing of articles and quotes.),,


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, 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

Read More Comments

    K = Knowledgeability    C = Clarity of Response    P = Politeness
Scott08/16/16101010Thanks again! Great info. Gave me new .....
Debra03/02/16101010Thank you. Your answers were very clear .....
Tiffany01/23/16101010Thank you very much!
Victoria Adams08/13/15101010Appreciate the quick response and the information .....

Recent Answers from Kevin Hromas

2016-06-22 Is it good to allow the roof company to inspect the shingle roof and claim for the replacement of single roof?:

Ray,    Keep in mind that a roofing company only makes money if they put on new roofs. That person that stopped by your home is likely a "salesman" and may not even work directly for the particular roofing

2016-03-02 controlled burn negligence:

Debra,    I am sorry to hear about your loss. This is a common problem with these types of burns.    Unfortunately, under the principle of LIABILITY, the only recovery you have from the responsible party

2016-02-03 Insurance Lapse on a Senior Citizen's Disabled Vehicle:

Erik,    The purpose of financial responsibility laws (requirement to have car insurance) is to protect the general public and not necessarily the owner of the vehicle. If the owner (your mother) cannot

2015-12-25 hit and run:

Eduardo,    You will need to talk to a probate lawyer there in Califonia and go back to whoever was the executor of your mother's will when she passed away. If they never caught the person, I am not sure

2015-09-08 warranty valuation:

Robert,    Generally, unless you paid extra for the warranty, there is no "value" over and above what you paid for in the item itself. The "warranty" that was included in the purchase is an "added value"


Ask A Question

Insurance Law

All Answers

Answers by Expert:

Ask Experts


©2016 All rights reserved.