New Jersey Appraiser List

New Jersey Umpire List

 

If you live in New Jersey and are involved in an insurance claim and settlement negotiation, you may discover that an umpire is necessary to resolve differences between two appraisers. Whether you are a policyholder or an insurance company, you may be called upon to seek out a highly-qualified umpire. 

 

What do umpires do?

In New Jersey, umpires are professionals that act as independent moderators between two insurance estimators that are deadlocked. New Jersey umpires are often private insurance claims appraisers, insurance attorneys, or public adjusters that have the insurance valuations background required to appraise the dubious claim.

For example, if you live in New Jersey and believe that an insurance settlement offer is incorrect, you might hire your own insurance appraiser. However, what if the two insurance claims appraisers' figures and calculations are significantly different? They might be able to bargain for a more equitable deal. But if the insurance estimators cannot, then that's where an umpire comes in. Expert insurance umpires realize New Jersey's contracting industry, local building codes, and related outlays. Look for a New Jersey umpire who is well-informed about the insurance issues that matter the most to you.

 

While the New Jersey Department of Banking and Insurance controls insurance carriers, umpires are not usually licensed in any state. While exact umpire licensing is not required by New Jersey, most umpires hold qualified certificates. For example, if the umpire is also a public adjuster, then he has met New Jersey's insurance rules for his occupation. Similarly, insurance attorneys must sustain their attorney's licenses.

 

If you are a homeowners policyholder involved in an insurance negotiation in New Jersey, hiring an umpire to assist the two claim appraisers come to an agreement is a wise move to make sure that you are treated justly by your insurer.

 

This directory lists insurance umpires who are ready to serve New Jersey residents living from Newark, New Jersey to Trenton and communities across the land. These umpires live and work right here in the 3rd state in the union, and appreciate the insurance claims concerns and building and remodeling expenditures that occur in the Garden State.

Click on New Jersey for a list of umpires helping New Jersey insurance policyholders.

 

Present occupation:
Public Insurance Adjuster

Experience in insurance appraisals:

Estimated number of times that I have served as an Appraiser:	925
Percentage of Appraisals representing the Policyholder:	100 %
Percentage of Appraisals representing the Insurance Company:	0 %
Percentage of Appraisals acting as an Appraiser:	92 %
Percentage of Appraisals acting as the Umpire:	8 %

Other relevant information:
I work primarily in the States of Texas & Florida. However, I am willing to perform Appraisals through out the United States.

Years experience in insurance industry:

Insurance Company:	0	Law Firm (Plaintiff):	0
Public Adjuster:	11	Law Firm (Defense):	0
Independent Adjuster:	1	Other:

Educational degrees / certifications:
Prior Certifications include:

Certified Indoor Environmentalist (IAQA)

Certified Mold Remediator (IAQA)

Certified Mold Remediation Supervisor

Florida Public Insurance Adjuster License # E150691

Texas Public Insurance Adjuster License # 1388578

Present occupation:
Public Adjuster - Insurance consultant

Experience in insurance appraisals:

Estimated number of times that I have served as an Appraiser:	100
Percentage of Appraisals representing the Policyholder:	90 %
Percentage of Appraisals representing the Insurance Company:	10 %
Percentage of Appraisals acting as an Appraiser:	75 %
Percentage of Appraisals acting as the Umpire:	25 %

Other relevant information:
full line insurance claim consulting

Years experience in insurance industry:

Insurance Company:	12	Law Firm (Plaintiff):
Public Adjuster:	5	Law Firm (Defense):
Independent Adjuster:	18	Other:

Educational degrees / certifications:
Attended Norwich University - Northfield Vermont and Univ of South Florida - Tampa FL
RPA - Registered Professional Adjuster, 1998

Experience in insurance appraisals:

Estimated number of times that I have served as an Appraiser:	6
Percentage of Appraisals representing the Policyholder:	75 %
Percentage of Appraisals representing the Insurance Company:
Percentage of Appraisals acting as an Appraiser:	75 %
Percentage of Appraisals acting as the Umpire:	25 %

Other relevant information:
Past President of FAPIA, member of NAPIA, member of Better Business Bureau, Certified Mold Remediator, member of Windstorm Insurance network, member of PCCP

Years experience in insurance industry:

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

Present occupation:
General Contractor

Experience in insurance appraisals:

Estimated number of times that I have served as an Appraiser:	283
Percentage of Appraisals representing the Policyholder:	100 %
Percentage of Appraisals representing the Insurance Company:	0 %
Percentage of Appraisals acting as an Appraiser:	85 %
Percentage of Appraisals acting as the Umpire:	15 %

Years experience in insurance industry:

Insurance Company:		Law Firm (Plaintiff):
Public Adjuster:		Law Firm (Defense):
Independent Adjuster:		Other:	32

Educational degrees / certifications:
I am a General Contractor with 32 years experience. The past 25 years I have specialized in insurance repair work. I have hands on experience in practically all phases of residential and light commercial construction.

Present occupation:
Licensed Public Insurance Adjuster

Experience in insurance appraisals:

Estimated number of times that I have served as an Appraiser:	50
Percentage of Appraisals representing the Policyholder:	100 %
Percentage of Appraisals representing the Insurance Company:	0 %
Percentage of Appraisals acting as an Appraiser:	98 %
Percentage of Appraisals acting as the Umpire:	2 %

Other relevant information:
Umpire Certification through Windstorm Network.
Licensed public adjuster since 1998. Litigation paralegal for 15 years before becoming a public adjuster. Worked for an attorney who handled only insurance claims. Total of 25 years experience working on insurance claims. Construction training. Member of the board of directors of the Florida Association of Public Insurance Adjusters and member of the Windstorm Network.

Years experience in insurance industry:

Insurance Company:	0	Law Firm (Plaintiff):	15
Public Adjuster:	10	Law Firm (Defense):	0
Independent Adjuster:	0	Other:

Educational degrees / certifications:
Certified Umpire through Windstorm Network.

Experience in insurance appraisals:

Estimated number of times that I have served as an Appraiser:	2
Percentage of Appraisals representing the Policyholder:	0 %
Percentage of Appraisals representing the Insurance Company:	100 %
Percentage of Appraisals acting as an Appraiser:	100 %
Percentage of Appraisals acting as the Umpire:	0 %

Other relevant information:
Michael Lichy is a professional member of Roofing Consultant Institute and has
been engaged in the roofing consulting profession on a full time basis since 1994. He has specialized in steep-slope roofing and has performed over 3500 steep-slope roofing surveys. He has been a speaker at trade organization seminars and has been accepted as an expert in court. He has designed and managed numerous roofing projects

Years experience in insurance industry:

Insurance Company:		Law Firm (Plaintiff):
Public Adjuster:		Law Firm (Defense):
Independent Adjuster:		Other:	14

Present occupation:
Insurance Consultant

Experience in insurance appraisals:

Estimated number of times that I have served as an Appraiser:	126
Percentage of Appraisals representing the Policyholder:	37 %
Percentage of Appraisals representing the Insurance Company:	63 %
Percentage of Appraisals acting as an Appraiser:	78 %
Percentage of Appraisals acting as the Umpire:	22 %

Other relevant information:
Insurance professional with over 16 years of experience. Effective communicator with extensive claim negotiation skills.

Years experience in insurance industry:

Insurance Company:	12	Law Firm (Plaintiff):
Public Adjuster:		Law Firm (Defense):
Independent Adjuster:	4	Other:

Educational degrees / certifications:
Bachelor of Arts, Public Administration
University of Louisiana-Lafayette
NFIP Flood Certification

Present occupation:
President of The Howarth Group

Experience in insurance appraisals:

Estimated number of times that I have served as an Appraiser:	1
Percentage of Appraisals representing the Policyholder:	99 %
Percentage of Appraisals representing the Insurance Company:	0 %
Percentage of Appraisals acting as an Appraiser:	99 %
Percentage of Appraisals acting as the Umpire:	1 %

Years experience in insurance industry:

Insurance Company:	10	Law Firm (Plaintiff):
Public Adjuster:	20	Law Firm (Defense):
Independent Adjuster:		Other:

Educational degrees / certifications:
Mr. Howarth is a Chartered Property & Casualty Underwriter ("CPCU"). Past President of both the Tennessee and the Florida Associations of Public Insurance Adjusters. Past Director of the National Association of Public Insurance Adjusters. Has qualified as an Expert Witness and testified in many dozens of cases including Federal Courts and in many different States in the Southeast.