United Policyholders, Insurance Consumer Advocates

United Policyholders is a non-profit organization that serves as a voice and an information resource for insurance consumers in all 50 States.  ...Read more

Dennis Abbott, Attorney

Dennis Abbott was born and raised in Pell City, a small community near Birmingham, Alabama. He attended Auburn University, where he received his undergraduate degree, and then received his Juris Doctor (JD) from Cumberland School of Law, Samford University. After graduation from law school...Read more

Chris Aldrich, Public Adjuster

Before joining Andrew K. Knox & Company, Chris managed his family construction company which provided central New Jersey with a wide array of construction services, including but not limited to, site, utility and infrastructure development and commercial building construction....Read more

Amy Bach, Attorney

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. While practicing insurance regulatory law and representing clients in litigation matters, she co-founded United Policyholders in 1991. Bach migrated from the private practice of law in...Read more

David Baria, Attorney

David Baria is the elected Minority Leader of the Mississippi House of Representatives and practicing attorney from Bay St. Louis, Mississippi. He is a partner in Baria-Jones with offices in Bay St. Louis and Jackson, Mississippi. David has practiced law as a consumer advocate for over...Read more

Jim Beneke, Public Adjuster

Jim Beneke is a third-generation public adjuster with more than 30 years of experience negotiating fair and proper insurance settlements for his clients. His company, Beneke/Adjusters International, is based in Austin, Texas. He is also licensed to adjust claims in Arizona, California, Florida,...Read more

Kevin D. Dreher and Bradley H. Dlatt,

Kevin D. Dreher is a commercial litigator and trial lawyer with a practice that includes insurance recovery litigation on behalf of corporate policyholders, complex commercial litigation and insurance-related counseling. Kevin’s insurance recovery-related litigation experience has involved...Read more

Kevin Brown, Attorney

Kevin handles all aspects of  insurance coverage, municipal, land use, personal injury, and construction law, both at the trial and appellate levels.  Kevin also represents injured employees in worker’s compensation proceedings. He lectures frequently on insurance coverage issues, and...Read more

Ted Bumgardner, Disaster Recovery Estimator

Ted Baumgardner has over 33 years of experience in the field of construction management, over 18 years of experience as a testifying expert witness and has been designated in over 600 construction litigation cases. He is President of the San Diego Chapter of the Forensic Expert Witness...Read more

Kim Cary, Public Adjuster

Kim Cary, formerly with Quality Claims Management Corp.,  came to the public adjusting industry in 1995 from the real estate appraisal field. She served as a board member of NAPIA and is licensed in 43 states. In 2005, she coordinated and managed claim reporting efforts for GMAC Mortgage...Read more

David Charles, Public Adjuster, Flood Claim Expert

David Charles has spent his entire career in disaster relief, including 33 years handling insurance claims, representing both insurance companies and policyholders. He’s worked every major disaster in the US since 1977 from the Northridge Quake to Hurricanes Andrew, Ike, and...Read more

Robert Crown, Public Adjuster

Robert Crown has more than 32 years of experience as a licensed public adjuster. Prior to launching his own Bay Area based Public Adjusting (PA) firm in November of 2014, Robert worked with a large Bay Area PA firm from 1985-1999. He spent the next 15-years working with a colleague in a...Read more

Rich Csaposs, Public Adjuster

Rich Csaposs, founder of RC Advantage, become an advocate for the policyholder after working a decade in the insurance industry. His experience with claims has given him working knowledge of a variety of losses and business types. RC Advantage is a licensed public insurance adjusting firm that...Read more

Scott deLuise, Public Adjuster

Scott deLuise brings 30 years of real estate and insurance consulting expertise to his position as CEO of Matrix Business Consulting. A litigation support specialist, Scott understands the definition and measurement of damages and is certified as an expert witness in Colorado on agency/...Read more

Johnny Denenea, Attorney

Johnny Denenea is a partner in the New Orleans law firm of SHEARMAN~DENENEA, LLC, which exclusively handles plaintiff litigation on behalf of personal and commercial clients. He earned his law degree from Loyola University of New Orleans School of Law in 1988. He represents plaintiffs in...Read more

Bill Dexter, Repair/Rebuild Contractor

Bill Dexter is an internationally recognized risk management consultant and trainer and the former Director of the California Center for Construction Education for the College of Architecture and Environmental Design at California Polytechnic State University, San Luis Obispo. His overall...Read more

Jeffrey D. Diamond, Law Professor

Jeffrey D. Diamond, an insurance litigation Attorney, is an active member of both the State Bars of Georgia and California, first admitted to the State Bar of California in 1978 before relocating to Atlanta, Georgia from Los Angeles, California in 2007, when he was admitted to the State Bar of...Read more

Francis X. Doherty, Attorney

Francis X. Doherty has been in practice for 37 years. Mr. Doherty is an active member of both the California and New York State Bar Associations. Mr. Doherty is a Judicial Arbitrator and a Mediation Panelist for the Marin County Superior Court. He is a member of the Loss Executive...Read more

Edward Eshoo, Attorney

Edward Eshoo, Jr. is an attorney with the Merlin Law Group. Focusing his practice on insurance disputes, he has successfully coordinated the investigations of thousands of claims regarding insurance recovery and related litigation. He has negotiated, adjusted, and prosecuted insurance...Read more

Jonathan Feigenbaum, Attorney

Jonathan Feigenbaum assists individuals in getting the employee benefits that they deserve. He became a member of the Massachusetts bar in 1985, the District of Columbia in 1987 and California in 1992. Based in Boston, his concentration is in ERISA (the Employee Retirement Income Security...Read more

Stephan Figlin, SPPA, FPPA - Public Adjuster

Stephen R. Figlin has been in private practice as a Public Insurance Adjuster since 1966. Steve founded Stephen R. Figlin & Associates, Inc. of Philadelphia in 1977, and merged with Young Adjustment Company, Inc in 2009. Steve is active with the National Association of Public Adjusters...Read more

Tyler Gerking, Esq.,

Tyler Gerking represents corporate policyholders in complex, high-stakes insurance matters. He is experienced in the claim process and pursues breach of contract and bad faith claims against insurance companies. He has deep experience with cyber insurance, technology errors & omissions...Read more

Jeffery B. Gould, Public Adjuster

Jeffrey B. Gould is Vice President of American Claims Management Services, a Public Adjusting firm headquartered in Baltimore, Maryland. Mr. Gould is a licensed Public Adjuster in several states and has nineteen years experience assisting residential and commercial insured’s. Prior to being...Read more

Robb Greenspan, SPPA, Public Adjuster

Robb Greenspan is a senior partner in The Greenspan Company/Adjusters International, which was established in 1946. Greenspan Company/AI is Public Adjusting firm who represents policyholders who suffer major damages to their buildings and businesses. They handle and settle claims with...Read more

Christine A. Gudaitis, Attorney

Christine A. Gudaitis concentrates her trial and appellate practice in the areas of Insurance Coverage and Bad Faith Litigation, representing individual and corporate policyholders. She is admitted to practice before the Florida Bar and the U.S. District Court, Southern and Northern...Read more

William Hedden, Public Adjuster

William Hedden is President and CEO of Consolidated Adjusting, Inc, a public insurance adjusting firm. In 1991, he became a licensed Public Insurance Adjuster with the California Department of Insurance. He is also a licensed real estate broker and a licensed B-1 general contractor in the...Read more

Tom Henderson

Tom Henderson, Attorney

Tom Henderson focuses his practice on representing policyholders in suing insurance companies for bad faith and getting insurance companies to pay what the insurance policy promises to pay.  Tom was admitted to practice in Colorado in October of 1987.  Tom is a member of both the...Read more

Denise Hsu Sze, Attorney

Denise represents California policyholders in disputes with their insurance companies at Merlin Law Group.  Ms. Hsu Sze received her juris doctorate from Loyola Law School in Los Angeles, California, and is a member of the American Bar Association and the American Association for Justice....Read more

Robert Hugh Joslin, Public Adjuster

Robert Hugh Joslin, principle at Hawaii Public Adjusters, is an authority on loss adjustments and is one of only 93 Certified Professional Public Adjusters (CPPA) designated by the National Association of Public Insurance Adjusters (NAPIA) in the United States—and the only CPPA in the State of...Read more

J. Robert Keena

J. Robert Keena, Attorney

J. Robert Keena is a partner with Hellmuth & Johnson, PLLC and chair of the firm's Litigation Practice, where he assists individuals and businesses of all sizes with a variety of litigation issues, including: Complex multi-party litigation, Commercial disputes, Construction disputes,...Read more

Ken Klein

Ken Klein, Esq., Disaster Survivor

Ken Klein is a Professor of Law at California Western School of Law in San Diego, where among other courses he teaches a course in Natural Disaster Law.  Before joining the Cal Western faculty, Professor Klein spend over twenty years as a civil litigator, practicing in both the federal and...Read more

Don A. Lesser, Esq. , Attorney

Don A. Lesser is the Managing Attorney of The Lesser Law Group in San Francisco and the North Bay. He has been an insurance coverage lawyer since 1983 and represents individuals and businesses in obtaining recoveries under a wide range of property and liability insurance policies. He...Read more

Samuel G. Livingston, Attorney

Denver insurance bad faith attorney Samuel G. Livingston, has practiced in the area of insurance law for more than 25 years. During his initial 10 years of practice, he represented insurance companies defending bad faith insurance and personal injury claims. In 1996, Mr. Livingston's practice...Read more

Jaques Lord, Disaster Survivor

Jacques Lord is a professional engineering geologist with more than 33 years experience in environmental consulting. He is currently a project manager for the Navy's Base Realignment and Closure program and responsible for clean-up and property disposal projects at the former Alameda Naval...Read more

Melissa H. Luckman, Attorney

Melissa H. Luckman, Esq., was born and raised in New York, New York.  She received her Bachelor of Arts in Psychology from Long Island University in 2006 with PSI CHI Honors, and her Juris Doctor degree from Touro College's Jacob D. Fuchsberg Law Center in 2010.  

Upon...Read more

Stephen A. Marino, Jr., Attorney

Stephen Marino is a 1990 graduate of Columbia University and a 1995 cum laude graduate of the University of Miami Law School. He is admitted to the Florida Bar; U.S. District Courts, Southern, Middle and Northern Districts of Florida; the U.S. Court of Appeals for the 11th Circuit; and the...Read more

Shaun J. Marker, Attorney

Attorney Shaun J. Marker is not new to the practice of insurance law offering many years of experience in the areas of insurance recovery, risk management and asset protection. Mr. Marker has the knowledge, skill, and tenacity to provide the type of personal and friendly service to clients that...Read more

Michael McCutcheon, CGBP, Contractor

Michael McCutcheon is the owner of McCutcheon Construction, Inc. in Berkeley, California, an award-winning, nationally recognized firm with 25 employees. He started "working with his tools" and then built his business from the ground up. Michael is active in the local Green/Sustainable...Read more

Austin Mehr

Austin Mehr, Attorney

Austin Mehr has been fighting for the rights of disabled and injured persons for over 25 years. His practice is concentrated to representing policyholders and claimants in bad faith actions and ERISA claims.  Mr. Mehr is frequently asked to lecture on the topic of insurance bad faith in...Read more

Michael Miller, Public Adjuster

Michael A. Miller, president, participated in the family business as a young boy, and officially joined the company in 1983 as an adjuster. He actively participated in adjusting catastrophe claims during Hurricane Andrew in Florida, Hurricanes Luis and Marilyn in the Caribbean, and Hurricane...Read more

Clay Morrison, Public Adjuster

Clay Morrison is the founder and President of Morrison & Morrison, Inc., a League City, Texas based company. He is licensed as a Public Adjuster in five coastal states and has over thirteen years of experience in the property disaster field, handling estimates and claim resolutions. To...Read more

Jeff Raizner, Attorney

Jeff Raizner's practice involves representation of policyholders in first party insurance disputes. Raizner Slania LLP attorneys are licensed in multiple states and have extensive backgrounds in high stakes, first party insurance litigation. Jeff served as Plaintiff's...Read more

Ron Reitz, SPPA, Public Adjuster

Ronald R. Reitz, SPPA, President of Quality Claims Management, pioneered the National Hazard Insurance Claims business of GMAC-RFC (now GMAC-ResCap). After a decade at GMAC-ResCap, Mr. Reitz launched Quality Claims in 2007. He is a past President of the California Association of Public...Read more

Michelle L. Roberts, Attorney

Since 2005, Michelle Roberts has represented employees and individuals in their claims for benefits governed by the Employee Retirement Income Security Act of 1974 (“ERISA”), including disability and life insurance benefit claims.  She is founding partner of the law firm, Roberts Bartolic...Read more

Chris Rockers, Public Adjuster

Chris Rockers has extensive experience in adjusting and resolving property insurance claims, serving as an advocate for policyholders. His commercial experience includes adjusting complex multimilliondollar claims for damages sustained to churches, restaurants, manufacturing facilities...Read more

Glenn T. Rosen, Attorney

Glenn T. Rosen is an attorney with over for over 20 years as a civil litigator. His practice is focused on insurance recovery actions including coverage and bad faith; business income loss claims; construction defect litigation; agent/broker malpractice; real estate and commercial...Read more

Bob Rutter, Attorney

Bob Rutter represents policyholders, NOT insurance companies, in all types of insurance claims, including fire, water, vandalism, theft, wind, hail, life and disability. He also represents policyholders in examinations under oath (EUOs) when an insurance company accuses the policyholder of arson...Read more

Scott Seeherman, Public Adjuster

Scott Seeherman is a principal adjuster at Commonwealth Adjusters, a family-owned business serving policy holders proudly for more than 40 years.  He has experience in processing all types of residential and commercial property insurance.  Commonwealth Adjusters is a member of the...Read more

David Shaffer, ARM, CPIRA, Agency Principal, David Shaffer Insurance Services

David Shaffer, Independent Insurance Broker

David Shaffer has over thirty-four years of insurance industry experience. He has owned and operated his own independent insurance agency since 1983. In 1991, David helped establish United Policyholders (UP), a national insurance consumer non-profit group dedicated to educating and...Read more

Justin Robert Skipton, Public Adjuster

Justin Robert Skipton is a seasoned Public Insurance Adjuster based in Scottsdale, Arizona. Currently, he is the Executive Vice President, COO, & Partner of Skipton and Associates, Inc., a public insurance adjusting firm that was founded in 1992.

Throughout the...Read more

John Trapani, CPA, Disaster Tax Specialist

Income tax services provided by John Trapani, CPA, include assisting taxpayers who experience catastrophic losses. John has been dealing with fires, floods, earthquakes, hurricanes, etc. for over 22 years. Clients throughout the country have benefitted from John’s assistance. He holds accounting...Read more

Charles "Dick" Tutwiler, Public Adjuster

Charles "Dick" Tutwiler is the Founder and CEO of Tutwiler & Associates, Inc. Public Adjusters.  He brings a long line of impressive credentials and knowledge to the public adjusting profession. He began his insurance career with Travelers Insurance Company, where he learned...Read more

Steven D. Venook, Public Adjuster

Steven D. Venook is a graduate of the University of Florida. He founded Advocate Claims Public Adjusters in 2002. Prior to this he gained extensive knowledge and experience as an insurance adjuster working for independent insurance adjusting companies and as an in-field claims supervisor for a...Read more

Daniel Veroff,

Dan Veroff is a key asset to Merlin Law Group's successful insurance policyholder rights practice. With a varied insurance background in academia, consumer advocacy, legislation, and litigation, Dan has significant experience helping policyholders obtain justice against their insurance companies...Read more

Dan Wade,

Sandra L. Watts, Claims Professional

Sandra Watts joined the UP staff in May 2018 after volunteering in 2017.  She brings over 25 years of insurance claims experience, including more than 10 years of property and casualty claims management to our policyholder support-focused work.  Sandra has skillfully guided...Read more

Jonathan J. Wilkofsky, Attorney

Jonathan J. Wilkofsky is the founding and managing partner of Wilkofsky, Friedman, Karel & Cummins. He has been litigating insurance coverage and property damage claims for more than 26 years. His firm concentrates most of its work in the field of first-party insurance litigation and...Read more