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Insurance Law/Expert Profile
Expertise
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.
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
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, 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
K = Knowledgeability C = Clarity of Response P = Politeness| User | Date | K | C | P | Comments |
|---|---|---|---|---|---|
| Alan | 05/17/12 | 9 | 9 | 10 | |
| Gale | 05/10/12 | 10 | 10 | 10 | I am very pleased with Mr Hromas' ..... |
| Gale | 04/25/12 | 10 | 10 | 10 | Thank you very much. Your explanation helped ..... |
| Gale | 04/23/12 | 10 | 10 | 10 | Thank you. I understand completely and I ..... |
| Norbel | 04/17/12 | 10 | 10 | 10 | Thank you once again for your detailed ..... |
Recent Answers from Kevin Hromas
2012-04-22 Water Damage:
Offer, Sorry to hear about your mess. First off ... quit listening to the landlord because they don't necessarily know what they are talking about. Many renter's policies have a liability clause
2012-04-21 Stolen bike involved in a car accident:
Carlos, Sorry to hear about your bike. For the car owner's insurance to cover the damage, there would have to be a clear situation of liability on the owner's part. That might be hard to prove in
2012-04-17 property damage:
Norbel, The size and location of the cased opening would actually be more of a "missing wall" and the 2 areas should really be considered as one. The stairway is a little more problematic as that carpet
2012-04-15 Homeowners Property Claim:
Norbel, I am sorry to hear about your problem. It is likely that the adjuster who came out to your house is an "independent adjuster" hired under contract by Hanover to handle the field inspection
2012-04-06 Personal auto insurance (Cuba):
Best advice? Leave the car at home and thumb rides everywhere he wants to go!!! LOL I would suggest you check with some carriers who write international auto policies. I know you can get it for personal
Answers by Expert:
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