ROBERT F. GALBO

***** ******** ***** **. ***** Wachee, FL 34613 · 352-***-****

ad2liy@r.postjobfree.com

QUALIFICATIONS:

I have been both Inside Desk Adjusting/ File Reviewing and a Team Lead investigating insurance loss and Examining claims (CAT, daily & fraud-related) for app. 17 years and have a broad exposure to catastrophe & disputed losses (litigation also). I am “BI-Lingual adjuster” deployed for commercial, large loss, mobile home and auto total loss, contents etc. I have my passport and am licensed as a 5-20 in the recent past handling litigation and Commercial (Citizens) claims in Claim Center. Also licensed as an adjuster in app 20 states. I am Hazwoper 40, Sinkhole, Litigation (MCM), CAE Earthquake, Flood, & Commercially Certified. I am a graduate of NYU with BS in Accounting & St. John’s University (MBA). In 2012, I became a “wind mitigation inspector”. Over the years, I have worked claims both in the field and in-house. I have handled many types of property & auto claims including Residential, Mobile Home, Commercial, and Farm/Ranch, & Bodily Injury& Environmental & auto claims (total losses). Types of perils include wind/hail, ice & snow, tornado, fire, asbestos, sinkholes, hurricanes, & PI. I have also processed many daily losses such as drain overflows, pipe leaks, and fires. I have performed SIU investigations and handled large loss claims during the BP oil Spill for Worley and several Cat storms. I performed Federal Investigations for app. 7 years. I was one of the top 2 Fraud Investigators in the Internal Revenue Service. I contribute to writing their fraud manuals, as a Special Enforcement Agent GS-13), and earned the HQI award.

EXPERIENCE:

1/25/2018 – 2/12/2019

INSIDE DESK ADJUSTER (PRE & POST), FKS Adjusters

Clearwater, FL

Deployed to assist management in establishing proper indemnity and expense reserves and in resolving property damage claims prior to lawsuits as well as post litigation and determining the extent of liability in order to make a recommendation to pursue claim or settle and close claim. I am comfortable handling a large volume workload as a Team Lead and working in fast paced environment and detail oriented and able to work well as part of a team. I have full working knowledge of property damage claims and am computer literate to handle claim management programs. I also have excellent written and verbal skills and have full knowledge of documentation and procedures necessary to handling matters with both PA’s and/or attorneys that are in the litigation stage. I have handled both pre-litigation and post litigation and settled thousands of lawsuits.

Details of experience: Investigated claims as necessary through prompt contact with appropriate parties such as policyholders, accounts, claimants, law enforcement agencies, witnesses, medical providers and technical experts to determine liability, damages, coverage of loss and adjusted all elements of routine Property Loss claim. I have written estimates for dwelling repairs of routine claims based on information collected from customers and contractors and issued payment to policyholders where possible. Explained coverage of loss, assisted policyholders with itemization of damages, emergency repairs and additional living arrangements. Worked with and coordinated with several vendor services such as contractors, emergency repair, cleaning services and various replacement services. Recommended referral to SIU where appropriate and have assisted the SIU in their investigation and disposition of the claim; Represented Insurers Defense Attorney vs Opposing Council with documentation in Sams & Exceo diary systems. Experience with depositions, mediations, arbitrations, pretrial, trials, and other legal proceedings as needed, having final authority for all claims resolution.

11/24/2017 – 1/22/2018

HURRICANE IRMA – INSIDE DESK ADJUSTER, grs for sfi (global risk solutions for security first florida isurance)

sarasota, FL

Deployed to pay supplements and multi-task every phase of the claim from file review, setting up diary to contacting the NI and PA’s in an effort to settle and finalize the claims. Reviewed FA photos and additional submitted documentation from insureds and/or their representatives. Reviewed General loss reports and final estimates for consideration of payment and/or collaboration in Xactimate 28 while releasing the Rec. Depreciation and any additional damages missed by FA and not included and paid in the initial indemnity check. Paid insured and closed claims.

9/12/2017 – 11/22/2017

COMMERCIAL CLAIMS ADJUSTER, Quality assurance claims for citizens property insurance

jacksonville, FL

Deployed by Keith George, Assistant Director of Claims. I Multi-tasked every phase of the claim from first contact, setting up diary to contacting the FA’s and assigning files. Reviewing FA photos & investigating the claim. General loss reports (SOL) and final estimates for consideration of payment and/or collaboration in Xactimate 28 while withholding Rec Dep (recoverable depreciation). Responsible for ensuring all Citizens customer risks were “Insured to Value (ITV)” using Xactimate 360V (waived for CAT event). To improve risk management, Completed ISO reports on ALL Risks, if necessary, and forwarded to underwriting when risks not ITV or other issues. Awaiting of Rec Dep docs for supplemental payment of Rec Dep being held by insurer and subsequent closing claims. Responsible for Issuance of checks and stop payments, as well. Prepared” ROR’s, ack. to LOR’s, disclaimers & handled subrogation issues” also. Analyzed “fraud aspects” of claims. Trained new IA’s in Citizens CC procedures and guidelines.

Demonstrated knowledge of Citizens best claims practices and CHI (Claims Handling Instructions) to resolve moderate to high priority Wind Hurricane Irma commercial property claims. Knowledge of all lines of property/casualty insurance. Ability to operate their Claim Center claims systems and related software (Guidewire & Xactimate).

Skills/Competencies: Proven ability to meet customer needs and provide exemplary service by informing customers of the commercial claims process and ensuring a positive customer experience. Analytical skills necessary to make decisions and resolve conflict in such areas as application of coverage to submitted claims, application of laws of jurisdiction to investigation facts, application of policy exclusions and exceptions. Ability to successfully negotiate commercial property claims of Moderate to High priority (Condos and Buildings with over 1 million-dollar damages). Command of written and verbal communication skills for contact and/or negotiation. Organizational skills to effectively establish work priorities in accordance with Citizens Best Claims Practices and use of CHI. Ability to operate a PC and related software (Xactimate) for Citizens.

8/1/2017 – 9/11/2017

DESK EXAMINER & ACCOUNT MANAGER, free state staffing for cjw associates and vrs vericlaim

orlando, FL

Documented initial contact, Policy/Coverage review, opened or adjusted Reserves, daily(various) & Cat file (Harvey) damages reviewed & approved for Lloyds of London Harvey flood claims; Review of FNOL to document diary to review photos and FA reports to prepare estimates and check requests, payments, partial or denial letters, withdrawal letters, ROR letters, ack. letters to LOR’s ; pay claims from $30,000 to $250,000; then contact Ni to explain FA report and final payments. Preparation of POL’s also for signature by NI/PA were prepared and mailed.

4/26/2017 – 7/31/2017

DESK ADJUSTER, eberl for asi (AMERICAN strategic insurance)

St. petersburg, FL

Documented initial contact, Policy/Coverage review, opened or adjusted Reserves, Cat file (Matthew) damages reviewed & approved or collaborated in XACT analysis, prepared Statement of Loss & Payment authorizations and Final payment letters (partial or full declinations, below deductibles, no damage) closing of claim letters.

1/14/2017 – 4/3/2017

GA COMMERCIAL CLAIMS DESK ADJUSTER, bradley stinson claims for citizens property insurance

jacksonville, FL

Demonstrated knowledge of Citizens best claims practices and CHI (Claims Handling Instructions) to resolve moderate to high priority wind, fire, asbestos and other Hurricane Matthew commercial property claims. Knowledge of all lines of property/casualty insurance. Ability to operate their Claim Center claims systems and related software (Guidewire & Xactimate).

Skills/Competencies: Proven ability to meet customer needs and provide exemplary service by informing customers of the commercial claims process and ensuring a positive customer experience. Analytical skills necessary to make decisions and resolve conflict in such areas as application of coverage to submitted claims, application of laws of jurisdiction to investigation facts, application of policy exclusions and exceptions. Ability to successfully negotiate commercial property claims of moderate to serious nature (Condos and Buildings with over 1 million-dollar damages). Command of written and verbal communication skills for contact and/or negotiation. Organizational skills to effectively establish work priorities in accordance with Citizens Best Claims Practices and use of CHI. Ability to operate a PC and related software (Xactimate) for Citizens.

10/11/2016 – 12/31/2016

HURRICAN MATTHEW (TEAM ONE) DESK ADJUSTER, frontline insurance

lake mary, FL

(Authority $50,000) Review of FNOL to document diary to review photos and FA reports to prepare estimates and check requests, payment letters, pay claims from $30,000 to $250,000; then contact Ni to explain FA report and final payments. Cat Manager-Ben Beuttner and Operation Director Iasha Pryor

8/13/2016 – 10/10/2016

DESK ADJUSTER- hurricane hermaine, ims claims, inc.

worked out of lousiana & handled claims in florida, louisiana, alabama, mississippi, and south carolina

Gulfstream Insurance via TPA Seibel’s Technology and Solutions; Experienced in CPX (claim processing expert). Review all COL files determined coverage analysis, endorsements, and all exclusions; reviewed IA Final Report damages; attach IA invoices, discussed estimates and payments or denials with NI; Documented activity log and diary then prepared below deductible letters, full or partial denial letters. Payment letters. $50,000 check approval; Also negotiated $100,000 to $250,000 large losses. Handled large loss litigation/settlements as well for IMS Catastrophe Services at Seibel’s Technology and Insurance Services Cat Manager Rodney Harrison.

12/2012 – 01/2014

LIABILITY AND LITIGATION CLAIMS, team one

I Reviewed coverage analysis, contract analysis, reserves, claim payments

· management of vendors, attorneys, and expenses

· investigations, effective and timely evaluations, and problem solving

· consultation with specialists (e.g. field adjusters, engineers, experts) as needed

· strategic negotiating of bodily injury and property damage settlements directly with claimants and with plaintiff attorneys

12/2011-12/2012

Litigation Specialist, Team One

As an insurance litigation claims specialist and/or claims examiner I was responsible for reviewing insurance claims after they are submitted to make sure that proper filing procedures have been followed. I’ve worked both pre and post litigations’ have also assisted defense attorneys with settling complicated or unusual claims.

As an insurance litigation claims specialist's my primary duties were to examine complex or unusual claims to determine whether they may be covered to the extent of the POL. Other duties include authorizing claim payment, setting reserves on payment, ensuring timely disbursement of funds to clients, coordinating or conducting investigations on pending lawsuits, identifying claims with possible recovery from third parties, and consulting with attorneys, public adjusters and agents regarding the disposition of complex claims.

I was involved in both pre and post litigation and mailing out appropriate/timely letters to plaintiffs/representatives etc. Daily contact with defense attorneys or public adjusters.

I was assigned to “fast-track post settlements” and closed numerous lawsuits in short time to the satisfaction of the insurer and insureds reps. (usually attorneys at post stage)

INSURANCE CLAIMS, cat sandy & andrea claims

2/2011 – 12/2011

DESK ADJUSTER/LEAD, kemper insurance

charlotte, north carolina

Multi-tasked every phase of the claim from first contact, setting up diary to contacting the FA’s and assigning files. Reviewing FA photos & investigating the claim. General loss reports and final estimates for consideration of payment and/or collaboration in Xactimate 27.3 & recently 28 while withholding Rec Dep (recoverable depreciation). Responsible for ensuring all Kemper customer risks were “Insured to Value (ITV)” using Xactimate 360V. To improve risk management, Completed ISO reports on ALL Risks and forwarded to underwriting when risks not ITV. Awaiting of Rec Dep docs for payment of Rec Dep being held by insurer and subsequent closing claims. Responsible for Issuance of checks and stop payments, as well. Prepared disclaimers & handled subrogation issues also. Analyzed “fraud aspects” of claims. Trained new IA’s in Kemper procedures and guidelines.

4/2010 – 12/2010

CLAIMS-WORLEY CATASTROPHE RESPONSE, british petroleum (BP) - gulf oil spill

hammod, l.a.

Initially in their ICU unit for Shane Heath and Brad Capps, Managers. I handled mostly large loss or claims, environmental and bodily injury claims for BP in Hammond, La. under Catastrophe Manager Don Cannon. I subsequently worked environmental claims determining compensability and final adjustments in their GCU and Large Loss unit for Brad Capps and Don Cannon. In addition, I acted as an on-call "consultant" (reviewing validity of tax & other documents presented by claimants) to the outside accounting firm hired by BP and Mr. Feinberg while also working for Jeff DE Benedetto (Worley's SIU Manager.) while still performing both Large Loss & “SIU/SHU internal fraud investigations” as an investigator. I worked in the Large Loss Unit as Senior Adjuster for Russell Shaw specializing in Real Estate Division.

1999 – 2009

INDEPENDENT CLAIMS ADJUSTER & DESK ADJUSTER

I have worked for many Independent Adjusting firms over 17 years. Some of these firms include QA, Bradley Stinson, Team One, IMS Claims, NCA Group/Worley, ICA, Integrity, USCAT, Crawford, Onsite Claims & Appraisal Technologies Inc., CNC Resource, Pilot Catastrophe, NCA Group, Pacesetter, Brush Country claims, Royal Sands, GAB Robins North America, Inc., Inspection Depot, and VRS VeriClaim, Inc. Claims Service, ICR Group Claims, and Team One. While working for the Independent Adjusting firms, I have had the privilege to handle losses (including commercial & sinkhole) for Farmers Insurance, American Family Insurance, Allstate, State Farm, Safeco Insurance, Zurich, Citizens, Kemper, BRITISH PETROLEUM, American Reliable, USAA, Liberty Mutual, Lloyds of London, and various other insurers.

1989 – 1999

SUB-CONTRACTOR, american restoration and remodeling & belfour sub-contractor

1989 – PRESENT

REAL ESTATE, century 21 & broker - galbo realty

1976 – 1978

CHASE B ANK, nyc, new york

1976 – 1978

BANK AUDITOR/ACCOUNTING CONTROL, chase bank

manhattan & nyc, new york

Assistant treasurer working directly for SVP Michael A Gallagher.

Prepared improvement recommendation reports (related to the five Head Office Operation Groups) for Executive Vice Presidents William Hinchman and Senior Vice President Robert O’Keefe.

1974 – 1976

PUBLIC ACCOUNTANT, matthews, panariello cpa’s

nyc, new york

Prepared and audited federal and state income tax returns.

Prepared and audited books and records of individual, corporation, partnership, and other entities

MISC.

ADJUSTING: Before entering the adjusting field, I worked with contractors building new homes. My responsibilities included overseeing framing, siding and shingling new homes, performed repairs, and completed interior buildouts. I have also spent time supervising reconstruction of storm damage from Hurricanes and Tornados. I am a licensed Wind Mitigation Inspector thru Inspection Depot, as well. I am also a licensed Real Estate Broker in the State of Florida since 1989. This hands-on experience has given me the ability to quickly identify damages, discuss losses with comprehension, and follow through with accurate reports.

I have been utilizing Xactimate as my primary estimating platform since 2001 and am currently using Xactimate. I am proficient Simsol and other estimating versions also. I am proficient at setting preferences to meet specific carrier mandates, producing detailed diagrams of roofs and interiors, and requesting and uploading reports. I can provide accurate reports while working with contractors and insured to reach equitable settlements.

In claims, customer service is key to success. Over the years of working as a property claims adjuster, it has been important to provide excellent service to insured. I have always approached claims with the understanding that the insured and I have a common goal, the quick and proper settlement of their claim. I have gained excellent communication skills, verbally & in writing, via litigating/disputed claims.

MEDICAL AND BODY INJUSY EXPERIENCE: Assigned to Team One: Investigated, took both “handwritten & recorded” statements; analyzed data &made recommendations to Insurer for settlement of Bodily Injury claims (slip & falls, disability, medical). Also assigned to Worley catastrophe response-Bodily Injury” environmental claims” caused by BP Oil spill.

CONTRACTOR/AGENT: 25+ years’ experience estimating repairs and remodeling costs for over thousands of properties for sale or rent as a property manager/licensed Real Estate Broker-Owner and Contractor.

INSURANCE WORK SYNOPSIS: In 1999, I started training and working as an apprentice Independent Property Claims Adjuster. I am now licensed in app 17 states and reciprocal with app 30 states. I am Spanish speaking as well. I have worked for many carriers including Farmers Insurance, American Family Insurance, Safeco Insurance, Zurich, Frontline, St John’s, Gulfstream, State Farm, Citizens, USAA, Kemper, British Petroleum, Liberty Mutual and various other insurers. Over 10 years of adjusting, I have worked primarily in Residential & Commercial claims, Sinkhole, (6 years), litigation (2 years), disputed claims (2.5 years) & have completed 5 major Commercial events. I have spent 2.5 years working in disputed claims units for both American Family Insurance and Kemper Insurance. Periodically, I also worked as a desk adjuster and file reviewer for app. 7 years for other insurers. In late 2009, I was hired by The Hartford as a CAT Outside Claims Specialist. After showing immediate proficiency in the field, I was elevated from a $2500 draft authority to $15,000 with a $20,000 reserve authority. I was also named Adjuster of the Quarter for the fourth quarter of 2009 based on monthly metrics of production, quality, and customer satisfaction (JD Powers surveys).

\

SPECIAL ENFORCEMENT AGENT (GS-13)

-Expert trial summary witness against organized white and blue-collar crime.

-Treasury agent specializing in auditing of books and records for the detection of civil and criminal fraud on income tax returns such as 1040, 1120, 1065, etc.

-Worked on Joint Committee Congressional Cases

-Worked with special agents and revenue agents as liaison to determine income tax evasion vs. avoidance

-Assisted as an expert witness in the prosecution of tax evaders.

EDUCATION:

1974

BS-ACCOUNTING, NYU

[1978-1985] [United States Treasury Department] [Greensboro, N.C.]

CERTIFCICATIONS & TRAINING:

12/05/2019 CALIFORNIA FAIR CLAIMS CERTIFICATION ASSESSMENT V4 6/09/2019 PILOT FLOOD ADJUSTING PRACTICES I & II-CERTIFICATION 6/25/2017 & 2019 TWIA

4/25/2017- 5/15/2021 NFIP (RENEWED YEARLY)

4/13/2017 Citizens-Commercial Certification-James Andersen 7/21/2017 Citizens-Litigation Certification-BSA

6/21/2017 Nicta Fraud certificate

7/12/2017 Homeowners Choice Certificatiion-FourSeventy

3/2012 Wind Mitigation Inspector-Inspection Depot

3/2015 Donan Engineering – Asphalt Shingle Residential Roofing 300

3/2017 NFIP Certification #70000503 (Exp. 5/12/2018)

3/2014 Tower Hill Certification-CNC Resource

3/2013 LMAC Core CAT Training

2013-02017 Crawford & IMS Certifications-Citizens & various Insurers

3/2012 CEA (California Earthquake) Certification-Crawford

3/2012 Hartford Certification-Crawford

3/2012 American Integrity Certification-Crawford

3/2012 Citizens Commercial Certification-Crawford

3/2012 Commercial Certification-Crawford

9/2009 USAA Certification (3 Year)

5/2009 Boot Camp for adjusters-Manatee College

5/2005 Central Insurance School

2004 Certified Water Damage Technician IIRC

2003 Corporate Leadership Training

2001 Xactimate Training Course Completed

2000 Tower Hill Certification Course Completed

1998 Pacesetter Claims Training Course Completed

1978 Graduated from St John’s University MBA Finance

1974 Graduated from New York University BS Accounting

Licensed Florida Real Estate Broker; Licensed 5-20(adjuster) & 2-15(Life, Medical & health) & 4-40(CSR) SOFTWARE:

RESIDENTIAL & COMMERCIAL EXPERIENCE:

1999- Current

Commercial Experience-Crawford

2004 Hurricane Charley Zurich

2005 Hurricane Katrina Allstate

2006 CAT American Family

2007 CAT American Family

2008 Hurricane Ike Farmers

2010 BP Oil Spill

2011 Hurricane Irene Kemper

2012-2017 Both Cat & Non-Cat events-Sandy, Irene, Hermaine, Matthew, IRMA etc.,)

LICENSING:

State of Louisiana Adjuster License Property/Casualty License #490881

State of Florida Adjuster License Property/Casualty License #P188263

State of Georgia Adjuster License Property/Casualty License #2633083

State of Alabama Adjuster License Property/Casualty License #455021

State of Alaska Adjuster License Property/Casualty License #79151

State of Michigan Adjuster License Fire/Other Hazards License

#0510712 State of Minnesota Adjuster License Fire/Allied Lines License

#40168191 State of Montana Adjuster License #75327

State of North Carolina Adjuster License Property/Casualty License

#13250600 State of Oklahoma Adjuster License Property License #40092012

State of Rhode Island Adjuster License Property/Casualty License #2074318

State of South Carolina Adjuster License Property/Casualty License #599890

State of Texas Adjuster License Property/Casualty License #1570601 State of

Utah Adjuster License Property/Casualty License # 316715 State of

Mississippi Adjuster License Property/casualty License #10151098 State of

Arkansas Adjuster License Property/casualty License #351807 State of

Kentucky Adjuster License Property Adjuster License #799205 State of

Florida Adjuster 5-20, 4-40, 2-15 licenses

State of Florida FREC real estate broker BK 485058

NFIP license #70000503

Private Investigator Florida

PROFICIENT IN:

XACTIMATE 27.5 & 28 & 360V, GUIDEWIRE, AS400, MICROSOFT WORD, MICROSOFT EXCEL, ADOBE /PDF FACTORY, MSB.

EXPERIENCED AND PROFICIENT USING, GUIDEWIRE, CLAIMS XCHANGE, AS400, CLAIMS PROCESSING EXPERT(CPX), XACTIMATE 27.1 & 27.5,28.0, 360V, MSB ESTIMATING & SCOPING, SYMBILITY, SIMSOL SOFTWARE INCLUDING SKETCH-JEL TRAINING, ESTIMATIX, BOOT CAMP CERTIFICATION- ADJUSTER TRAINING (MANATEE COLLEGE), BUSINESS INTERRUPTION & LIABILITY, WATER DAMAGE, MITIGATING LOSSES, HAZWOPER 40,

WIND/HAIL/FLOOD (#70000503)/EARTHQUAKE (CEA)/” SINKHOLE”/ROOFING CERTIFIED, MITCHELL-AUTO CLAIMS OTHER ACCOMPLISHMENTS: FLOOD CERTIFIED 70000503

WIND MITIGATION INSPECTOR

AIC CERTIFICATION

COMMERCIAL & RESIDENTIAL PROPERTY CLAIM EXPERIENCE

RECENT REFERENCES:

FKS adjusters Dan & Vicki Ferrier (TPA-HCI) 1-855-***-****

Keith George & Ray Ice-Citizens-414-***-****

Clark Seabloom, Team Lead at Homeowners Choice Insurance-1-727-***-****

Iasha Pryor (Via Team One)-321-***-****

Dennis Mulligan-CJW & Associates (Sedgwick)-1-407-340=3617

Sean Netka, Eberle adjusters & Alan Lane (ASI)

Katrina Wells Bradley Stinson- 954-***-****

Katrina Flowers Team One -214-***-****

IMS Claims-Stephen Ierulli-941-***-****

David Carter, attorney with Carter & Foreman, PA 352-***-****

Raymond Ice, Cat Mgr. Citizens Property Insurance corp. 414-***-****; ad2liy@r.postjobfree.com James Andersen, Cat Mgr. Citizens Property Insurance corp. 904-***-****

Rodney Harrison, Cat Mgr. Seibel’s & Gulfstream Insurance- 407-***-**** cell

Iasha Pryor, Director of Cat Operations & Ben Buettner, Cat Mgr. Frontline. 321-***-****; 321-***-****

Brad Hunter CAT Mgr. & Brian Jonas Storm Site Admin, Asst CAT Mgr. ICA Claims 888-***-**** ext. 7793-Kemper Insurance

Don Cannon Cat Mgr. WORLEY Catastrophe Response, ad2liy@r.postjobfree.com; BP Oil Spill

Peter Foley Team Lead /Desk adjuster, ASSURANT via Integrity Adjusters. 602-***-**** Paul & Kimberly, MGR & HR, CNC Resource 1-251-***-**** for State Farm-alias F5NY Jonathan Crego, Mgr. Homeowners Choice Insurance 1-217-***-****

References of TPA Managers and copies of certifications, licenses and passport available upon request.

Contact this candidate