Insurance Adjusting Consultants: 4

Paul F. Amoruso, CPCU, has more than 45 years of experience working for several major insurance carriers as a Senior Vice President of Claims and Operations. As a licensed insurance agent in Massachusetts, Connecticut, Florida, an New Jersey and licensed public adjuster, he is uniquely qualified to assist either plaintiff or defense attorneys on insurance related issues on local or national issues.

If you are an insurance company, insured, or law firm and need an independent review of an insurance issue regarding litigation, agency or company operations, practices or procedures, he is available to assist.

Mr. Amoruso has served as an Expert Witness in many states in both State and Federal court . Having worked in all operation areas of the insurance industry he is able to testify to the generally observed and accepted industry practices.

Areas of Expertise:

• Insurance Customs and Practices
• Company Policies
• Management Involvement
• Proper Staffing
• Coverage Denial
• Agency and Insurance Company Relationships
• Case Evaluation
• Reserve Policies
• Workers Compensation
• Liability Personal or Commercial
• Commercial and Personal Property Losses
• Authority Level
• Industry Ethics and Norms
• Bad Faith
• Claims Handling Practices
• Insurance Company Operations

Mr. Beringer is the Principal of Beringer & Associates (B&A) and Liability Program Management (LPM). He is an approved consultant by the A.M. Best organization, since 2006, for claims, liability, and insurance program management, including matters involving construction, OCIP, TPA, JPA, Captives, Memorandum of Coverage, and insurance coverage analysis. The Cayman Island Monetary Authority approved Mr. Beringer as a licensed captive owner in 2002 for Segregated Portfolio Company Creative Solutions, SPC.

Mr. Beringer holds an LPCS, RPA; is a founding member of CLM, a published author in various publications, and presenter at the CIMA, CPA, A.M. Best, and other conferences.

Mr. Beringer, as B&A, has provided expert services for risk analysis and management services to the insurance, reinsurance, construction, and transportation industry since 2000. Previous to the formation of B&A, he worked in the insurance industry for 30 plus years as a region Litigation Manager with Automobile Club, Industrial Indemnity, Great American, and The Hartford's Speciality Risk Service. Since B&A’s formation, Mr. Beringer assisted Reliance, AIG, Swiss Reinsurance, and Sterling Insurance for review of their insurance programs, analysis, and performance of claims systems and operations.

Mr. Beringer has participated in over 300 mediations, managed handling of over 30,000 cases in federal, state, and local venues on behalf of clients, and provided expert services to plaintiff and defense counsel.

CMC Advisors Inc. (CMC) provides expert Insurance Consulting and offers clients the upper hand in managing their assets and liabilities. They assist clients in managing investment portfolios by helping to determine if current Financial Retirement plans such as IRA, Roth IRA, Rollover IRA, 401(K), Keogh Plans, Pensions and Profit Sharing Plans are meeting retirement goals. Consulting Areas:

Wayne Citron has 45 years of experience as an expert in Forensic Reconstruction of Insurance Transactions. He is an insurance expert and consultant. Mr. Citron established the Citron Agency and CMC Advisors Inc. in 1972, where his duties included executive and managerial responsibilities, sales, service, compliance with all insurance matters as well as securities laws and regulations. Both firms are leaders in life, health, disability and property and casualty insurance.

Mr. Citron has served as an instructor for Prudential Insurance Company Brooklyn Agency (1973) educating personnel in general insurance matters, underwriting, and insurance law. He has worked with companies including Prudential Insurance Company, United States Life Insurance Company, North American Company for Life and Health Insurance, American General Life Insurance Company, William Penn Life Insurance Company, American Life Insurance Company, Chubb Insurance Company, Travelers Insurance Company, Mass Mutual Insurance Company, John Hancock Insurance Company, and American International Group (AIG), among other. Mr. Citron recently volunteered for Ocean County Long Term Recovery Group (OCLTRG) to reopen Super Storm Sandy flood claims and examine National Flood Insurance Policies, as well as deal with FEMA in these matters (2015 & 2016).

View Wayne Citron's Expert Witness Profile.

U.S. Accredited Expert Claims & Appraisals, LLC, (USAE), provides expert work for ANY and ALL types of Property Claims most anywhere for ANY property claim in the USA. With over 30 years of experience, USAE's four-step plan ensures their clients get the best payout from their insurance policy:

1. Inspect - Free inspection and consultation to thoroughly evaluate each case, including property, insurance policies, and total damages incurred.
2. Review - Review records and insurance policies in greater detail, taking note of all evidence to support client cases. They partner with attorneys, inspectors, professional investigators, and other professionals to get a solid understanding of each case.
3. Advise and Offer Options - Offer clients all the entitlements they are owed and inform them of all the favorable options.
4. Negotiate - Personally sees the insurance company and negotiate on their clients' behalf. They use their 30 years of experience to get their clients the best claims and appraisal service in the USA.

Bruce Fredrics, RGA (EGA), SME, CGA, AIC, ACA, CCA, PCLA, LPCS, HCI/R/C, FSRT, WINDP, CMS, AMRT, WRT, CPLA, CPLU, CPAU, CMI, UCC, CPCUc, CCPc, ACPc, B.S, is the Principal at USAE and a United States Registered Federal and State Court Certified Subject Matter Expert (SME) for Insurance Appraisal, Claims Processes, and Industry Standards of Practice and Care. Practicing for over 30 years, he is considered an Elite Expert at the most advanced pinnacle of ability. 

A Loss Consultant, Public Insurance Adjuster, and Independent Claims Adjuster, Mr. Fredrics is engaged / retained by consumers, insurance companies, and Governments to handle insurance claims settlements and to resolve disputes. His experience includes educating and teaching State Regulators including Directors of Insurance Commissioner Offices, their Attorneys, Plaintiff and Defense Counsel, other Federal Experts, and Professionals, including Managers, Supervisors, and Professional Boards.

Areas of Expertise:

View Bruce Fredrics' Expert Witness Profile.