I have worked in various claim capacities for major national insurance carriers since 1966. I retired in 1998 and became a Claims Consultant providing – Mediation, Litigation, Claim Consulting & Adjusting Services. I am an expert in claim handling custom and practice, claim adjusting, coverage interpretation, and SIU practices. This includes complex claim handling issues; claim community standards; serving as an expert witness, appraiser, umpire, mediator, and other claim handling and adjusting services. In 2008 I returned to work for an Insurance Carrier as a commercial property claims manager for 13 western states and retired in October 2013 and returned to providing consulting services.