Tommy Michaels of T. R. Michaels Claim Consulting, LLC has over 50 years experience in property and casualty insurance claims handling and claims administration. 36 years with a major insurer in various claim capacities including home office executive. Expert testimony provided in Federal and State courts throughout the United States regarding bad faith, claims standards, investigation and settlement. Experience in handling and managing claims in all lines, insurance policy reconstruction of old policies going back to 1940’s and complex claim analysis and settlement of environmental, asbestos and other long tail claims spanning many years.