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Expert Witness - Litigation Support

James F. Hughes III

I am an unique risk management and insurance professional, having worked in all three main sectors of the industry, insurer, broker, and risk management. More particularly, I have been a risk manager for a Fortune 50 company, an insurance broker, twice albeit in different roles in addition to being a wholesale insurance broker, and a…

How to Properly Deny Claims

When insurers receive a claim or suit from an insured or third party, they must first make sure that subsequent actions by all parties are in accordance with the conditions required by the policy and applicable laws and regulations. Violating such conditions and guidelines can lead to unintended consequences. For example, courts could refuse to uphold claims denials and possibly recognize bad faith suits, instead. Or an insurance department could find that the insurer broke a law and subsequently impose regulatory penalties. This article discusses how to avoid such outcomes by discussing important, but basic, dos and don’ts, illustrated through real-life examples.

Michelle Villarreal

Michelle Villarreal began her claims career over 30 years ago, with Cigna Companies while attending St. Mary’s University in San Antonio. She is the President and CEO of Occupational Accident Risk, Inc, a Third Party Administrator specializing in Texas work injury programs. They have been in the Third Party Administration industry since 2006, offering services…

Public Adjusters-What You Should Know

As an agency owner I was unfamiliar with the role of a Public Adjuster, what they did and their purpose in the insurance equation. Upon selling my agencies, I was approached by a company to consider assisting them as a Public Adjuster. All of these years as an agent I was told to “steer clear”…

Andrew G. Sall

Andrew helps policyholders prepare, present, and defend their business interruption/business income claims and has been doing so for more than 20 years.  His success stems from his ability to understand and communicate the quirks and nuances of his clients’ businesses using both numbers and words. He has turned paltry claim offers and complete denials from…

William Auten

William Auten is an independent claims consultant and licensed adjuster. He is the owner and founder of Auten Claims Management, Inc., an adjusting firm that specializes in handling negligence claims against policyholders and self-insured entities. William began his career in claims in 1996. Since then, he has served as an independent adjuster for various firms…

Jane Marie Downey

Jane Marie Downey, ARM, M. Ed Principal Risk Consultant, Clarity Concepts, Inc.   Jane Downey is an internationally known Risk Management consultant and Insurance industry expert. Jane has a background in both Insurance brokerage and Risk Management. Her specialty industries include manufacturing, financial institutions, and technology risks.  She has made many Risk Management reports to…

Daniel Guy Fink

As an experienced insurance expert witness, Daniel works with attorneys on agent/insurance company standard of care and bad faith.  He can analyze coverages and claim handling.  He works with both plaintiffs and defendants on cases he believes in.  Daniel has 40 years of experience as a practicing insurance agent / professional and almost 20 years…

Ralph Korn, CPCU

I have over fifty years’ experience in insurance and risk management.  I am a graduate of Loyola University, Chicago.  My corporate experience includes Director of Insurance for Duplan Corporation, Risk Manager for E. & J. Gallo Winery and Vice President of Insurance for Greyhound Corporation.  In addition, I have over thirty-five years’ experience as an…

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