Ray Congdon
Florida Appraisal Process Umpires

Present occupation:
Appraiser/Umpire

Experience in insurance appraisals:

Estimated Number of Appraisals Performed:	350	Percentage of Appraisals acting as the Umpire:	65 %
Percentage of Appraisals representing the Policyholder as an Appraiser:		Percentage of Appraisals representing the Insurance Company:	20 %
Percentage of Appraisals acting as an Appraiser:

Other relevant information:
20+ years experience as a Construction Manager and General Contractor.
Estimated, negotiated and supervised rebuilding of insurance claim repairs
including Hurricane Hugo damaged businesses and beach houses. Expert witness
in disputes involving construction and insurance issues.
18 years experience as a heavy property adjuster. As a general adjuster, I
handled adjustments involving builder’s risk, arson, General Liability and losses
caught by hurricane wave wash and wind, tornado, earthquake, flood, fire,
water (inc, fire suppression sprinklers), wind, hail, and lightning. I have reached
enduring settlements on claims at industrial facilities, high rises, condominium
and office buildings, restaurants, shopping centers and agri-businesses, as well
as all types of residential property.

Years experience in insurance industry:

Insurance Company:	2	Law Firm (Plaintiff):
Public Adjuster:	3	Law Firm (Defense):
Independent Adjuster:	14	Other:	General Contractor & Construction Manager: 20+ yrs.

Educational degrees / certifications:
B.A. Vermont College, Business w/construction minor
Licensed Florida General Contractor
Licensed Florida Adjuster
NFIP Certified since 1990
Advanced Xactimate v 25 Training
Building Trades Assn.
Assn. of Property & Casualty Claims Professionals
Seminars and classes on claims handling, coverage, damage assessment, mold
mediation, appraisal and alternative dispute resolution.
Karass Effective Negotiating Seminar
Successful Claims Resolution by National ADR Services