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Gregory RossView / Print the Gregory Ross Record Only
USA Claim Services, Inc.
10314 Gentlewood Forest Drive
Boynton Beach, FL 33473
Tel: 561-364-4898 • Fax: 561-880-6827
Email: gross@usaclaimservices.com
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Present occupation:
Umpire / Appraiser

Experience in insurance appraisals:

Estimated Number of Appraisals Performed:700   Percentage of Appraisals acting as the Umpire:90 %
Percentage of Appraisals representing the Policyholder as an Appraiser:15 % Percentage of Appraisals representing the Insurance Company:85 %
Percentage of Appraisals acting as an Appraiser:10 %

Other relevant information:
Have experience with CAT & Daily losses, residential and commercial. Have written and reviewed ample estimates and resolved claim issues. Provide damage assessments and valuations of properties. Strong communication skills for negotiations and resolving claims, mediations, appraisals and acting as umpire, most appraisals settle that I handle.

Act as liaison between different personality types. Strong management skills, self motivated and known to be fair. “It is what it is, don’t read into it”

Years experience in insurance industry:

Insurance Company: Law Firm (Plaintiff):
Public Adjuster: Law Firm (Defense):
Independent Adjuster:10 Other:

Educational degrees / certifications:
Florida License – All Lines Adjuster – 1999 - current
NFIP Certified
Member of PCCP Association – 2004-2009
Member of FCAP Association – 2003 - 2009
Member of CACC Alumni Association – 1997 - 2009
HOA, Insurance & Finance Committee – 2006 - 2008
Board of Directors for the
South Florida Claims Association - 2006 - current

Windstorm Insurance Network Umpire Certification, 2007

Windstorm Insurance Network Advanced Umpire Certification, 2008, 2009

Gregory RothView / Print the Gregory Roth Record Only
Claims Consultant
10930 Handel Place
Boca Raton, FL 33498
Tel: 561-212-9187 • Fax: 561-558-9174
Email: groth2@bellsouth.net
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Present occupation:
Insurance Appraisal Umpire/Appraiser

Experience in insurance appraisals:

Estimated Number of Appraisals Performed:600   Percentage of Appraisals acting as the Umpire:40 %
Percentage of Appraisals representing the Policyholder as an Appraiser: Percentage of Appraisals representing the Insurance Company:60 %
Percentage of Appraisals acting as an Appraiser:

Other relevant information:
41 years of Insurance Industry experience as Underwriter, Broker,
Claims Examiner, and Adjuster. 38 years of claims experience. Handled
600 appraisals acting as Appraiser. Acted as Umpire in another 150
appraisals.

Years experience in insurance industry:

Insurance Company:4 Law Firm (Plaintiff):
Public Adjuster: Law Firm (Defense):
Independent Adjuster:38 Other:

Educational degrees / certifications:
Licensed All Lines Adjuster, State of Florida
Windstorm Conference Certified Umpire
Licensed, Canadian Independent Adjuster Conference
Designated as Property General Adjuster, GAB Business Services

Preston H. (Tony) RougasView / Print the Preston H. (Tony) Rougas Record Only
P.O. Box 5380
Abilene, TX 79608
Tel: 325-977-0412 • Fax: 972-692-8240
Email: rougas@msn.com
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Present occupation:
Appraiser/Umpire

Experience in insurance appraisals:

Estimated Number of Appraisals Performed:80   Percentage of Appraisals acting as the Umpire:40 %
Percentage of Appraisals representing the Policyholder as an Appraiser: Percentage of Appraisals representing the Insurance Company:32 %
Percentage of Appraisals acting as an Appraiser:

Other relevant information:
I have considerable experience on both sides of the issue. I have served as court
appointed Umpire on disputes where the parties were initially some 40 million
dollars apart. I am highly experienced in the appraisal process. I spend about
50% of my time in Florida and 50% in Texas. Travel is not normally an issue.

Years experience in insurance industry:

Insurance Company: Law Firm (Plaintiff):
Public Adjuster: Law Firm (Defense):
Independent Adjuster:34 Other:General Contractor and Consultant: 18 yrs.

Mr Michael RuskinView / Print the Mr Michael Ruskin Record Only
Disaster Pro Consulting, Inc.
7141 NW 48 Way
Coconut Creek, FL 33073
Tel: 954-707-9547 • Fax: 831-302-9547
Email: disasterpro@bellsouth.net
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Present occupation:
Independent Insurance Adjuster/ Appraiser/Mediator/Umpire

Experience in insurance appraisals:

Estimated Number of Appraisals Performed:700   Percentage of Appraisals acting as the Umpire:70 %
Percentage of Appraisals representing the Policyholder as an Appraiser: Percentage of Appraisals representing the Insurance Company:29 %
Percentage of Appraisals acting as an Appraiser:

Other relevant information:
President of Disaster Pro Consulting, Inc., a full service adjusting company
specializing in insurance damage appraisals and umpire services. We serve
the entire state of Florida.
I have a reputation for integrity and fairness when evaluating losses as an
Appraiser or Umpire. I do not believe in “splitting the baby” but instead award
on the proverbial phrase “it is what it is.” I have 15 years experience as a
restoration contractor and utilize this knowledge to fairly and accurately
evaluate the insurance claim.

Years experience in insurance industry:

Insurance Company: Law Firm (Plaintiff):
Public Adjuster: Law Firm (Defense):
Independent Adjuster:5 Other:Insurance restoration: 15 yrs.

Educational degrees / certifications:
Licensed and Insured ALL LINES Insurance Adjuster, 2006
MSM Degree, Management, Walsh College/Robert Morris, 1999
Certified Mold Remediator (CMR) through IAQA, 2004
ASCR Certified Small Business Recovery Planning, 1997
B.A. Degree, Accounting, Michigan State University, 1988
Vale Construction School Graduate, 1994

Mark “Monty” RyanView / Print the Mark “Monty” Ryan Record Only
Ryan Claims & Consulting/
9240 Madewood Court
Royal Palm Beach, FL 33411
Tel: 561-723-3580 • Fax: 561-658-5742
Email: ryanclaims@comcast.net
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Present occupation:
Independent Insurance Adjuster/Loss Consultant/Appraiser/Umpire

Experience in insurance appraisals:

Estimated Number of Appraisals Performed:150   Percentage of Appraisals acting as the Umpire:10 %
Percentage of Appraisals representing the Policyholder as an Appraiser: Percentage of Appraisals representing the Insurance Company:70 %
Percentage of Appraisals acting as an Appraiser:

Years experience in insurance industry:

Insurance Company: Law Firm (Plaintiff):
Public Adjuster: Law Firm (Defense):
Independent Adjuster:4 Other:Contractor/Mold Remediation/Emergency Services: 12 yrs.

Educational degrees / certifications:
Certified General Contractor (CGC)
Certified Indoor Enviromentalist (CIE)
Certified Mold Remediation Supervisor (CMRS)
Certified Mold Remediator (CMR)
Water Damage Restoration Technician (WRT)
Moisture Detection Thermal Imaging Camera (TIC)
Property Claims Adjuster (PCA)

Mr Jose O. SanchezView / Print the Mr Jose O. Sanchez Record Only
T & E Group Inc.
8720 SW 82 Street
Miami, FL 33173
Tel: 786-486-4280 • Fax: 786-345-5878
Email: claimadjusters@gmail.com
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Present occupation:
Public Insurance Adjuster/Appraiser/ General Contractor/Umpire

Experience in insurance appraisals:

Estimated Number of Appraisals Performed:100   Percentage of Appraisals acting as the Umpire:10 %
Percentage of Appraisals representing the Policyholder as an Appraiser:90 % Percentage of Appraisals representing the Insurance Company:0 %
Percentage of Appraisals acting as an Appraiser:

Other relevant information:
Over 30 years managing buildings and facilities. Florida certified general
contractor licensed, Florida certified roofing contractor licensed, Florida
Community Association licensed. Appraisal for residential and commercial.
Served as Umpire.

Educational degrees / certifications:
State of Florida Certified General Contractor
State of Florida Certified Roofing Contractor
State of Florida Community Association Manager
Thirty four plus years of service restoration
Bioaerosis Certified

R. David SantiagoView / Print the R. David Santiago Record Only
Independent Claims Adjuster, Inc
P.O. Box 161304
Miami, FL 33116
Tel: 305-238-1411 • Fax: 305-238-1413
Email: dsantiago@ica4ins.com
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Present occupation:
Independent Insurance Adjuster/Appraiser/Umpire

Experience in insurance appraisals:

Estimated Number of Appraisals Performed:200   Percentage of Appraisals acting as the Umpire:25 %
Percentage of Appraisals representing the Policyholder as an Appraiser: Percentage of Appraisals representing the Insurance Company:50 %
Percentage of Appraisals acting as an Appraiser:

Other relevant information:
Over 25 Years Experience in All Lines Adjusting. Past Director of SIU for a
Commercial Carrier. Licensed in numerous states including Texas, North
Carolina, California, Minnesota and Florida as well as being Flood Certified.
Honered Lifetime Member of the Cambrige Who’s Who, Board Member of
IAUA, Civic Leader and member of the Board of Valencia HOA and active
member at St. Richard Catholic Church.
Prior CAT experience includes Hurricane Andrew, North Ridge Earthquake,
Hurricanes Frances, Georges, Jean, Wilma, Floyd, Charley, Ivan, Katrina
and Ike.
I have developed a reputation of fairness and integrity among my peers as
well as those in the industry including Agents and Public Adjusters. I believe in
“owing what is paid and paying what is owed” and that is the
legacy that I am known for.

Years experience in insurance industry:

Insurance Company:3 Law Firm (Plaintiff):
Public Adjuster: Law Firm (Defense):
Independent Adjuster:22 Other:

Educational degrees / certifications:
NFIP
University of Puerto Rico, School of Engineering
20 years in the Airline Industry

Steve ScantzoulisView / Print the Steve Scantzoulis Record Only
S & K Appraisal, Inc.
9904 Via Bernini
Lake Worth, FL 33467
Tel: 954-410-9778 • Fax: 561-429-3820
Email: sscantz@comcast.net
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Present occupation:
Appraiser/Umpire/Public Adjuster

Experience in insurance appraisals:

Estimated Number of Appraisals Performed:100   Percentage of Appraisals acting as the Umpire:15 %
Percentage of Appraisals representing the Policyholder as an Appraiser: Percentage of Appraisals representing the Insurance Company:45 %
Percentage of Appraisals acting as an Appraiser:

Other relevant information:
Licensed 36 years in Florida as Independent and Public Insurance Adjuster.
Comprehensive knowledge of construction and estimating as well as policy
coverage and associated legal issues. Having worked for many years as an IA
(most recently in Houston, Texas, 2008) as well as a PA provides me with the
balanced perspective and knowledge to function effectively as an Umpire.

Years experience in insurance industry:

Insurance Company:3 Law Firm (Plaintiff):
Public Adjuster:12 Law Firm (Defense):
Independent Adjuster:22 Other:

Educational degrees / certifications:
New York Institute of Technology, B.A., 1970
Florida All-Lines Adjuster, 1972

Mr Carl ScholtenView / Print the Mr Carl Scholten Record Only
Claim Services
2155 Verdugo Blvd., #321
Montrose, CA 91020
Tel: 818-541-9236 • Fax: 818-671-3075
Email: cs@laclaimservices.com
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Present occupation:
Independent Adjuster/General Adjuster/Appraiser/Umpire

Experience in insurance appraisals:

Estimated Number of Appraisals Performed:700   Percentage of Appraisals acting as the Umpire:1 %
Percentage of Appraisals representing the Policyholder as an Appraiser: Percentage of Appraisals representing the Insurance Company:100 %
Percentage of Appraisals acting as an Appraiser:

Other relevant information:
In the past, judges and attorneys seeking remedy for both policyholders and
insurers have learned that Umpires or Appraisers were not as easy to find as
they first thought, as is true in a number of Counties in California. There hasn’t
been a shortage of claims requiring resolutions. The Apprasial or Umpire claim
resolution process was facilitated by only a few commited claims professionals,
many known only by word of mouth.
Our experience is primarily through the Insurance industry. The service is
codified to a degree as in the Windstorm Insurance Network, so the method
and formula is consistent with usual and customary practices in all settlement
negotiations that take place in the field, in arbitration, mediation, or in mandatory
settlement conferences. Historically, cases worked as Appraisers result in
the cases settling without an Umpire. And where it didn’t, clearly the Umpire
was vital ti its successful resolution or the path it takes. Seasoned personnel
understand positions being presented, respect contentious and meritorious
issues already developed by both sides to the forum. The process works toward
fair resolutions.
Our service area since 1990 has been in Southern and Central California,
including the coastal communities. Since 2002, service has called to other
states including Southern (Florida, Georgia, South Carolina, Texas), Midwest,
and New England States. Please feel free to refer representatives to our office
to discuss services. Requests for service are considered once preliminary information
is considered on each case.

Years experience in insurance industry:

Insurance Company:18 Law Firm (Plaintiff):
Public Adjuster: Law Firm (Defense):
Independent Adjuster:18 Other:General Adjuster: 11 yrs Proprietor and President of “Claim Services”

Educational degrees / certifications:
Business & Sociology, University of Iowa
Computer abd Accounting, Philips College

Mr Kim SmallwoodView / Print the Mr Kim Smallwood Record Only
Midwest Regional Processing Cent
435 Jones Lake Road
Tiki Island, TX 77554
Tel: 417-793-0715 • Fax: 503-217-9553
Email: klsadjuster@sbcglobal.net
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Present occupation:
Independent Insurance Adjuster/Appraiser/Umpire

Experience in insurance appraisals:

Estimated Number of Appraisals Performed:250   Percentage of Appraisals acting as the Umpire:
Percentage of Appraisals representing the Policyholder as an Appraiser: Percentage of Appraisals representing the Insurance Company:100 %
Percentage of Appraisals acting as an Appraiser:

Years experience in insurance industry:

Insurance Company: Law Firm (Plaintiff):
Public Adjuster: Law Firm (Defense):
Independent Adjuster:10 Other:15 years as Insurance Broker prior to going full time as IA.

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