Insurance Claims and Claims Investigation

1 Source Safety and Health, Inc. is a Safety and Health Management and Consulting firm for educational, insurance, commercial, residential, research, healthcare, and manufacturing facilities. 1Source’s team of professionals includes certified industrial hygienists, certified safety professionals, certified professional environmental auditors, and a certified professional ergonomist who can address every safety and health issue. One key measure of their success is that 1Source is the largest safety and health consulting firm with the most certified staff on the east coast. For more than 20 years, the professionals at 1Source have been committed to developing long-term, mutually beneficial professional relationships with our clients and business partners.

Indoor Air Quality Management and Consultation:

Mold, Bacteria and other Microbiological Assessments:

Odor Surveys and Assessments

Investigative Indoor Air Quality Surveys

Proactive Indoor Air Quality Surveys

Planned Indoor Air Quality Management Programs

Environmental-Related Disease Investigations

Legionella and Legionnaires Disease

Safety Program Management

Safety Management Systems:

Ergonomics Programs

Safety Program Development

Occupational Health / Industrial Hygiene

Construction Safety Services

Managed Outsourcing

Training Program Services

OSHA VPP (Voluntary Protection Program)

Safety and Health Audits

Noise Exposure Evaluation and Control

Asbestos and Lead Management and Consultation:

Asbestos Surveys and Investigations

Asbestos Abatement Project Design

Environmental Quality Assurance Monitoring

Asbestos Operations and Maintenance Programs

MCS Associates is a nationally recognized consulting group that has provided financial, operations and regulatory/compliance consulting services nationwide to financial institutions, insurance companies and regulatory agencies as well as real estate and financial services organizations for over 30 years.

Expert Witness and Litigation Consulting are a primary focus of our services. We undertake expert witness assignments throughout the United States and our clients include several hundred leading law firms around the country, working on behalf of both plaintiff and defendant financial institutions, borrowers, depositors, investors, developers, insurance companies and their insured, securities/insurance/real estate brokers/agents, regulators and government agencies, and individuals.

Together with MCS Associates’ specialized resources in banking, financial services and real estate, we also draw on key strategic alliances in insurance, economics, academia and the securities industry to meet a wide range of expert witness needs. Our litigation experts include experienced bankers, lenders, consultants, regulators, managers, brokers & agents in insurance, real estate, and securities; insurance claims and underwriting managers; economists, accountants, appraisers, real estate analysts, and academics.

Areas of Expertise Include:

Banking Operations/Administration

Check Fraud

Lending Policies, Custom and Practice

Loan Underwriting & Credit Administration

Sub Prime Loan Originations, Underwriting, Securitizations & Servicing

Bankruptcy, Foreclosures and Workouts

Trust & Fiduciary Issues / Operations

Securities Brokerage & Investments

Valuations & Damages Analysis

Forensic Accounting

Employment / Compensation

Real Estate Brokerage & Management

Title Insurance & Escrow

Real Estate Appraisal & Transactions

Insurance Industry Custom & Practice

Insurance Coverages / Claims Handling

Insurance Bad Faith

Allan Windt specializes in the areas of Insurance Coverage, Duty to Settle and Bad Faith. In over 30 years in the insurance business, he has handled more than 10,000 claims for more than 70 insurance companies and hundreds of insureds in all 50 states. Mr. Windt has served as an expert witness in dozens of states.

He is the author of Insurance Claims & Disputes, Representation of Insurers and Insureds, West, 1982 first edition, 1988 second edition, 1996 third edition, 2001 fourth edition, and 2007 fifth edition. Mr. Windt's books have been cited as authoritative by more than 300 courts throughout the country.

With 33 years of experience working for several major insurance carriers, Paul F. Amoruso is uniquely qualified to assist you on insurance related matters on local or national issues. If you are an insurance company, insured, or law firm and need an independent review of an insurance issue regarding litigation, operations, practices or procedures, he is available to assist.

Mr. Amoruso has served as an Expert Witness in both State and Federal court. Having worked in all operation areas of the insurance industry he is able to testify to the generally observed and accepted industry practices.

Areas of Expertise:

Insurance Customs and Practices

Company Policies

Management Involvement

Proper Staffing

Coverage Denial

Agency and Insurance Company Relationships

Case Evaluation

Reserve Policies

Workers Compensation

Liability Personal or Commercial

Commercial and Personal Property Losses

Authority Level

Industry Ethics and Norms

Bad Faith

Claims Handling Practices

Insurance Company Operations

Archuleta & Associates Investigative Services, a Division of Archuleta & Associates, Inc., has been providing investigative services within various industries since 1982. They are the overwhelming leaders within the CA Central Valley.

The clientele of Archuleta & Associates, Inc. consists of every level of business, from both the private and public sector. Due to the wide range of services provided and their 25 years within the industry, they have worked with an extremely diverse and vast clientele base, from the largest of litigation firms to the smallest of personal clients.

Robert A. Archuleta launched his career as a Private Investigator in 1983, after five years as an officer, investigator and sergeant for the Lodi Police Department, followed by stints as an engineering contractor and a deputy U.S. Marshal. Among his other clientele, Mr. Archuleta has been as an Expert Witness for the Department of Consumer Affairs for the State of California.

Services Include:

Accident Reconstruction AOE / COE Civil Litigation Copyright Infringement Criminal Defense Criminal Prosecution General Engineering GPS Location / Tracking

Insurance Bad Faith Insurance Defense Seminar Training Surveillance Traffic Reconstruction Video Evidence Voice Stress Analyzation Workers Compensation

Company Background:Coloney Bell Engineering provides consulting & engineering services to clients throughout the United States. With the combined backgrounds and experience of our principals and staff, we are able to respond to many types of engineering assignments.

Allow us to be your company for consulting and investigative engineering services.

Services

Structural Failures, Condition Assessment and Construction Issues/LITIGATION

Fire Origin and Cause Investigations

Heavy Equipment Failures

Machinery / Material Failures

Moisture Intrusion / Damage

IAQ Evaluation

CRASH / ACCIDENT Reconstruction

Storm Damage Evaluation

Sinkhole / Settlement Evaluations

Roof Systems, Stucco and EIFS Evaluations

Subrogation Analysis

Litigation Support

Eminent Domain / Land Planning

Our clients consist of insurance companies, claim adjusting firms, attorneys, law firms, large corporations, small businesses, production facilities and appraisal companies.

We work closely with numerous testing laboratories, specialized engineering firms, weather verification companies and other sources in order to provide our clients with accurate and professional information.

Burl Daniel, CPCU, CIC, CRM entered the Insurance Industry in 1973 and was an Insurance Agency Principal for twenty three years. He is retained as a Property and Casualty Insurance Expert Witness by counsel assisting policyholder insureds, carriers and third parties. His career includes broad expertise across most lines of Property and Casualty insurance. Mr. Daniel is well-known in the legal community for his responsiveness to attorney inquiries, depth of insurance knowledge and attention to detail. He believes credibility with juries and the courts results from methodical analysis, independent research, concise reports and straightforward response to questions during deposition and trial.

Mr. Daniel holds a BBA-Insurance from the University of Texas, and maintains the professional designations CPCU (Chartered Property Casualty Underwriter), CIC (Certified Insurance Counselor), and CRM (Certified Risk Manager). He has served as Adjunct Professor of Insurance with two Texas universities and holds a Property-Casualty and Risk Manager license.

Areas of Expertise:

Insurance Agent Error & Omission Insurance Bad Faith Claims Handling Practices Surplus Lines Insurance Commercial Auto Insurance Commercial General Liability Products Liability Insurance Commercial Umbrella Insurance Professional Liability Insurance Directors and Officers Liability Employment Practices Liability Workers Compensation

Property Insurance Expert Business Interruption Insurance Boiler & Machinery-Equipment Breakdown Flood Insurance Ocean Marine Insurance Inland Marine Insurance Crime Insurance / Fidelity Bonds Personal Auto Homeowners Insurance Watercraft / Boats Personal Umbrella

Mr. Daniel has four decades insurance experience with a diverse set of industries:

Contractors - General & Artisan OCIP-CCIP Real Estate Manufacturing Wholesale / Warehousing Retailers Import / Export Oil jobbers Transportation / Truckers

Utilities Professional Services Science and Tech Services Computer & Information Technology Non -profit organizations Insurance Companies Banks Agriculture Wildlife Parks

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Donald J. Brayer is a Chartered Property Casualty Underwriter (CPCU), a Registered Professional Liability Underwriter (RPLU), an Associate in Claims, an Associate in Reinsurance (ARe), a Construction Risk Insurance Specialist (CRIS) and a Management Liability Insurance Specialist (MLIS). He also has an MBA in management and finance. Mr. Brayer has served as a litigation consultant, expert witness and arbitrator. He has served both plaintiffs and defendants addressing the activities of insurers and agent/brokers.

Areas of Expertise:

Underwriting

Risk evaluation

Agents & Brokers Duties

Managing General Agents

Policy design and interpretation

Application design

Custom and Practice

Pricing

Program underwriting

Reinsurance

Portfolio transfers

Claims

Investigation

Search for coverage

Evaluation

Communication with policyholders

Communication with reinsurers

Settlement

Auditing

Emily J. Will, Certified Document Examiner, practiced privately for 24 years examining cases from 35 states and overseas in her well-equipped laboratory.

Ms. Will is certified by the Board of Forensic Document Examiners and by the National Association of Document Examiners. She has testified in state civil and criminal courts in NC, FL, SC, KY, VA, NY, NJ, PA, IN, MI, TN and Washington D.C., and in federal court. Ms. Will has been appointed by state and federal courts.

Areas of Expertise:
Handwriting Identification, Alterations, Obliterations, Sequence and Chronology in cases involving -

Domestic/Business Disputes

Checks

Wills

Contracts

Medical Records

Election Ballots

Deeds

Other Questioned Documents

Professional Associations:

Member - Association of Forensic Document Examiners (AFDE). Elected Secretary in 2005

Member - National Association of Document Examiners.

Member of the International Graphonomics Society - a society for the science and technology of handwriting and other graphic skills.

Member of the ASTM, International Subcommittee E 30.02 on Questioned Documents.

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William P. Hight, JD, CPCU is an Insurance Expert Witness with over three decades of experience in private law practice, devoted to coordinating and overseeing Claim Investigations for dozens of insurance companies in 9 western states, providing hundreds of property and liability policy interpretations, and resolving coverage, valuation and good faith issues in litigation, mediation and appraisal.

Mr. Hight has been retained as an Expert Witness in first and third party claims by clients of over 30 law firms, testifying for both policyholders and insurers. He has prepared over 45 written expert opinion reports, compliant with FRCP 26 requirements. Augmenting his professional training and experience, Mr. Hight was awarded the Chartered Property Casualty Underwriter designation in 1990.

Areas of Expertise:

• Insurance Bad Faith
• Reasonableness of Settlements
• Reasonableness of Policy Interpretations
• Coverage Denial and Claim Handling
• Insurance Fair Conduct Act
• Reservation of Rights Defense

Disclaimer: The CPCU professional designation is awarded by the American Institute for Chartered Property Casualty Underwriters. The Supreme Court of Washington does not recognize certification of specialties in the practice of law, and the designation is not a requirement to practice law in the state of Washington.