Success message
Error message
I provide independent expert witness and litigation support services focused on property and casualty insurance practices, coverage interpretation, and industry standards of care. With over 20 years of experience in personal and commercial lines, I am retained by attorneys to analyze complex insurance matters, identify coverage gaps, and deliver clear, defensible opinions supported by real-world industry practices.
My work bridges the gap between policy language and how insurance actually functions in practice, allowing counsel to better evaluate liability, exposure, and case strategy.
Property and casualty insurance practices
Agent and broker standard of care
Errors and omissions (E&O) matters
Coverage disputes and claim interpretation
HOA and condominium insurance programs
HO-3 vs HO-6 misclassification issues
Certificate of Insurance (COI) compliance and deficiencies
Contractual risk transfer and additional insured disputes
Policy structure, endorsements, and underwriting intent
Claims handling practices and documentation review
Many cases hinge on more than what is written in the policy. They involve how insurance is typically structured, sold, and relied upon in practice. My analysis incorporates:
Real-world agency operations
Underwriting intent and placement decisions
Customary industry standards
Regulatory considerations and ACORD usage
Practical application of coverage in loss scenarios
This allows attorneys to present arguments that reflect how insurance actually operates, not just how it is written.
I am particularly known for evaluating insurance issues involving community associations, including:
Fee-simple vs condominium classification errors
HO-3 vs HO-6 policy mismatches
Governing document interpretation
Master policy vs unit owner responsibility disputes
Contractor insurance requirements and compliance failures
These issues frequently result in significant coverage gaps and are often central to litigation involving property damage and liability allocation.
Services include:
File & Policy Review
Comprehensive analysis of policies, endorsements, and declarations
Identification of coverage gaps and inconsistencies
Review of underwriting and placement decisions
Standards of Care Evaluation
Agent and broker conduct analysis
Industry practice comparison
Identification of deviations from accepted standards
Coverage Analysis
Interpretation of policy language and endorsements
Application of coverage to specific loss scenarios
Allocation of responsibility between parties
Certificate of Insurance & Risk Transfer Analysis
COI accuracy and compliance review
Additional insured and waiver of subrogation issues
Contract vs policy alignment
Written Expert Reports
Clear, defensible, litigation-ready reports
Structured analysis supporting legal arguments
Deposition & Trial Testimony
Expert testimony grounded in industry practice
Clear communication of complex insurance concepts
File review, research, and preparation: $200 per hour
Depositions and testimony: $350 per hour (4-hour minimum)
Court appearances or travel days:
$300 per hour or
$2,000 per day
*A retainer or prepayment is required prior to engagement.*
Engagement Scope
Services are provided in an independent, advisory capacity. Opinions are based on experience, industry standards, and available documentation. I do not provide legal advice or make determinations of liability.
If you are handling a matter involving insurance coverage, agent conduct, or HOA-related risk allocation, early expert involvement can significantly impact case strategy and outcome.
Contact to discuss your case, request a CV, or confirm availability.