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Toby Johnson
Property Claims Adjuster /Appraiser / Umpire / Insurance Consultant

Omega Building Consultants

31 Northhaven Drive, Jackson, TN 38305Jackson TN 38305, US

806-438-7457

Omegabcs.com

Toby@omegabcs.com
 

 

APPRAISAL EXPERIENCE

Years of Experience: 12+ 

Percentage for an Insurer: 40% 

Percentage for Insureds: 60% 

UMPIRE EXPERIENCE

Years of Experience: 7+

INDUSTRY EXPERIENCE

  • Adjuster Experience: 18+ yr

  • Public Adjusting Experience: 6 yr

  • Independent Adjuster: 15+ yr

  • Building Consultant: 3+ yr

AREAS OF APPRAISAL EXPERTISE

  • Commercial

  • Fire

  • Industrial

  • Multi Family

  • Residential

  • Restaurant

  • Water

  • Wind

  • Other:

  • *Hail
    *Coinsurance - Insured to Value Valuations

EDUCATION

INDUSTRY LICENSING

INDUSTRY CERTIFICATIONS

INDUSTRY DESIGNATIONS

APAC, CPAU, HCI-C, HCI-R, MSR, RIA, XSME

AREAS OF EXPERTISE

  • Principal adjuster assigned to more than 5,800 first party insurance claims

  • Personally examined or studied more than 6,000 roof systems

  • Chief building consultant assigned to a $14 million-dollar municipality roofing project

  • Roofing surfaces and components

  • Causation determination of damage to roof surfaces and components

  • Construction defects vs. storm damage to roof surfaces and components

  • Insurance appraisals & umpire service

  • Insurance claim negotiation and settlement procedures

  • Building damage assessments

  • Large loss reconstruction

  • Line item estimating

  • Insurance policy application

  • Insurance claim standard practices

  • Insurance adjusting standard practices

  • Insurance claim dispute resolutions

  • Property loss analysis

  • Casualty loss analysis

  • Xactimate principals & components

  • Xactimate line item classification

  • Xactimate comparison and variations

  • Xactimate certified subject matter expert

     

EDUCATION

  • 2019: “Umpire & Appraiser Certification - Certified Property Insurance Appraiser, Certified Property Insurance Umpire (CPAU)”- Insurance Appraisal and Umpire Association, Inc. (IAUA) 

  • 2019: “OSHA 10 Certification Course”- 1 Life Safety 

  • 2019: “The “Do’s and Don’ts” of the Property Loss Appraisal Process - Appraisal Certification Program”- The Property Loss Appraisal Network (P.L.A.N) 

  • 2019: “Haag Certified Inspector - Commercial Roofs V2”- Haag Education 

  • 2019: “Haag Certified Inspector - Residential Roofs V2”- Haag Education 

  • 2019: “IICRC Upholstery & Fabric Cleaning Course”- Restoration Science Academy 

  • 2019: “IICRC Carpet Cleaning Course”- Restoration Science Academy 

  • 2019: “Upholstery & Fabric Cleaning Course”- Restoration Science Academy 

  • 2019: “Carpet Cleaning Course”- Restoration Science Academy 

  • 2018: “Staying Up-to-Date with Low-Slope Roofing Trends, Standards and Innovations”- Johns Manville 

  • 2018: “Essential Law For The Claims Professionals”- International Risk Management Institute 

  • 2018: “Resiliency Starts at the Top with Your Low Slope Roof”- General Aniline & Film (GAF) 

  • 2018: “Xactimate 28 Level 3 Certification Course”- Top Adjuster Xactimate Training 

  • 2018: “Homeowners: Property Coverages & Covered Perils”- International Risk Management Institute 

  • 2018: “Commercial Property Insurance”- International Risk Management Institute 

  • 2018: “Ethics Performance With Integrity”- International Risk Management Institute 

  • 2018: “Increased Building And Repair Costs Often Not Included In Construction Estimates”- Merlin Law Group

  • 2018: “Proving Wind Damage To Walls Windows And Roofs And New Hail Research”- Merlin Law Group 

  • 2018: “Understanding Ice Dam And Weight Of Snow Ice Claims”- Merlin Law Group 

  • 2018: “Most Overlooked Damages In Fire Claims”- Merlin Law Group       

  • 2018: “Misrepresentations Mistakes How A False Statement Can Derail A Covered Claim”- Merlin Law Group

  • 2018: “Recent Cases Trends Impacting Public Adjusters”- Merlin Law Group 

  • 2018: “Proving Hail Damage To Roofs VS. Preexisting Damage Or Wear Tear”-Merlin Law Group

  • 2018: “Methods Used To Delay Deny Claims”- Merlin Law Group

  • 2016: “2016 TWIA Commercial Adjuster Certification”- 2021 Training, LLC 

  • 2016: “2016 TWIA/TFPA Residential Adjuster Certification”- 2021 Training, LLC 

  • 2016: “Legal Principles Affecting The P&C Insurance Contract”- International Risk Management Institute 

  • 2016: “Insurance Law For P&C Professionals”- International Risk Management Institute 

  • 2016: “Claims Resolution”- International Risk Management Institute 

  • 2016: “Ethics For The Claims Professional”- International Risk Management Institute 

  • 2016: “Xactimate 28 Level 3 Certification Course”- Top Adjuster Xactimate Training 

  • 2016: “United Services Automobile Association Certification Course”- IAS Claim Services 

  • 2016: “RSA Fire Restoration 151 Course”- Restoration Science Academy 

  • 2016: “RSA Odor Control 111 Course”- Restoration Science Academy

  • 2016: “IICRC Fire and Smoke Restoration Certification”- Restoration Science Academy

  • 2016: “IICRC Odor Control Technician Certification”- Restoration Science Academy

  • 2015: "TWIA/TFPA Residential Adjuster Certification”- 2021 Training, LLC

  • 2014: “Texas Measure of Damages for First Party Property Losses” - Merlin Law Group

  • 2014: “Ethical Consideration Permissible vs. Fraudulent Conduct” -Merlin Law Group

  • 2014: “Adjuster Liability: Sources and Mitigation of Risk” - Wardlaw Claims Service

  • 2014: “Basic Parts of the Insurance Contract” - Wardlaw Claims Service

  • 2014: “Property Claims Estimating Tricks and Tips” - Wardlaw Claims Service

  • 2013: “Estimating Fire and Water Losses” - Wardlaw Claims Service

  • 2013: “Bad Faith in Claims Handling” - Doyen Sebesta

  • 2013: “Fire Related Evidence Preservation/Recovery” - Donan Engineering

  • 2013: “Lightning Claims” - Donan Engineering

  • 2013: “Metal Roofs Damage Assessment” - Haag Education

  • 2013: “Water Intrusion” - Donan Engineering

  • 2013: “Wind & Hail 100S” - Donan Engineering

  • 2012: “Asphalt Shingle Residential Roofing 300” - Donan Engineering

  • 2012: “Ethics for Insurance Professionals” - Rainbow International Restoration & Cleaning

  • 2012: “Water Damage Restoration Current Trends & Standards” - Rainbow International Restoration & Cleaning

  • 2012: “Assessing Catastrophe Damage to HVAC Systems” - Rimkus Consulting Group

  • 2012: “Business Interruption & Lost Profits” - Rimkus Consulting Group

  • 2012: “Commercial Roof Construction & Damage” - Rimkus Consulting Group

  • 2012: “TWIA Adjuster Workshop” - Texas Windstorm Insurance Association

  • 2011: “Xactimate 27 Training for Adjusters” - Mason Catastrophe Claims Services

  • 2010 “Roofing Claims Overview” - ITEL Laboratories

  • 2010: “Siding Claims Overview” - ITEL Laboratories

  • 2010: “Corrugated Stainless Steel & Lightning Protection Requirements”- PT&C Forensic Consulting Services

  • 2010: “Identifying the Cause of Wood Floor Damage” - PT&C Forensic Consulting Services

  • 2010: “Introduction to Fire Investigation” - PT&C Forensic Consulting Services

  • 2010: “Introduction to Rope and Harness” - Catastrophe Career Specialists

  • 2010: “Roofing Claims and Infrared Technology” - PT&C Forensic Consulting Services

  • 2010: “Automobile Subrogation in Texas” - John D. Malanga

  • 2010: “Delivering Better Catastrophe Adjusting Services”- Mason Catastrophe Claims Services

  • 2010: “So What’s the Ya’llternative Ethics” - Mason Catastrophe Claims Services

  • 2010: “Textile Restoration Procedures and Economics” - Certified Restoration Drycleaning Network

  • 2010: “The Adjuster’s Role in the Personal Injury Lawsuit” - John D. Malanga

  • 2010: “Xactimate & Xactanalysis Helpful Hints” - Mason Catastrophe Claims Services

  • 2010: “Ethics for Insurance Industry Professionals” - Steamatic

  • 2010: “Mechanical Damage to Roofs” - Haag Education

  • 2010: “Wind vs. Wave Damage Assessment” - Haag Education

  • 2010: “Court Decisions” - PT&C Forensic Consulting Services

  • 2010: “Foundation Assessments” - PT&C Forensic Consulting Services

  • 2010: “Red Flags-Fraud Fires” - PT&C Forensic Consulting Services

  • 2010: “Roof Expo 2010”- Lon Smith Roofing

  • 2010: “Restoration Techniques for Special Textiles and Garments” - Certified Restoration Drycleaning Network

  • 2009: “Roof Construction, Materials & Damages” - Rimkus Consulting Group

  • 2007: “California Earthquake Adjuster Accreditation Course” - Haag Engineering Co.

  • 2007: “Earthquake Damage and Reconstruction” - Haag Engineering Co

  • 2007: “Commercial Roofs Damage Assessment” - Haag Engineering Co.

  • 2007: “Defending UM/UIM Claims in Texas” - John D. Malanga

  • 2007: “Roof Construction, Materials & Problems” - Rimkus Consulting Group

  • 2006: “Bad Faith in Texas” - John D. Malanga

  • 2006: “Siding Damage Assessment” - Haag Engineering Co.

  • 2006: “Sudden Damage vs. Maintenance Problems in Buildings” - Haag Engineering Co.

  • 2006: “Composition Roofs Damage Assessment” - Haag Engineering Co.

  • 2006: “Tile Roofs Damage Assessment” - Haag Engineering Co.

  • 2006: “Wind vs. Wave Damage Assessment” - Haag Engineering Co.

  • 2005: “Water Damage and Dehumidifying” - Haag Engineering Co.

  • 2005: “Sudden Damage vs. Maintenance Problems in Buildings” - Haag Engineering Co.

  • 2005: “Wood Roofs Damage Assessment” - Haag Engineering Co.

  • 2005: “Composition Roofs Damage Assessment” - Haag Engineering Co.

  • 2005: “Ins. Co./Def. Counsel Rel. In Texas” - John D. Malanga

  • 2005: “Residential Structure” - Total Restoration/InStar Services Group

INDUSTRY EXPERIENCE

Insurance Adjuster, Insurance Appraiser/Umpire, Building Consultant

DESIGNATIONS AND CERTIFICATES

  • Alabama: - Independent Insurance Adjuster

  • AMCAT: - Advanced Property Adjusting Certification (APAC)

  • California: - Earthquake Adjuster Certified (CEA)

  • Florida: - All Lines Independent Insurance Adjuster

  • Haag Engineering Co.: - Commercial Roof Inspector Certified (HCI-C)

  • Haag Engineering Co.: - Residential Roof Inspector Certified (HCI-R)

  • HomeWise Insurance Company: - Property Adjuster Certification

  • IAUA: - Property Appraiser & Umpire Certified (CPAU)

  • IICRC: - Carpet Cleaning Certified

  • IICRC: - Fire and Smoke Restoration Certified

  • IICRC: - Master Fire &Smoke Restorer (MSR)

  • IICRC: - Odor Control Certified

  • IICRC: - Upholstery & Fabric Cleaning Certified

  • Indiana: - Property & Casualty Independent Insurance Adjuster

  • Kentucky: - Independent Insurance Adjuster

  • Liberty Mutual: - Hail Investigation Procedures Certified (HIP)

  • Louisiana: - Comprehensive Independent Insurance Adjuster

  • Minnesota: - Multiple Lines Independent Catastrophe Adjuster

  • Mississippi: - Independent Insurance Adjuster

  • Oklahoma: - Property Independent Insurance Adjuster

  • OSHA: - OSHA 10 Certified

  • Property Loss Appraisal Network: (PLAN) - 2016 - 2017

  • Restoration Sciences Academy: - Fire Restoration Certified

  • Restoration Sciences Academy: - Odor Control Certified

  • Shelter Insurance: - Property Adjuster Certification

  • Tennessee: - Public Insurance Adjuster

  • Texas: - All Lines Independent Insurance Adjuster

  • Texas: - Public Insurance Adjuster

  • Texas Fair Plain Association: - Residential Adjuster Certified

  • Texas Wind Insurance Association: - Residential Adjuster Certified

  • USAA: - Catastrophe Property Adjuster Certified

  • Xactware: - Xactimate Level 3 Subject Matter Expert Certified (XSME)

LICENSE NUMBERS

Available Upon Request

RELEVANT INFORMATION

Catastrophic Property Claims Insurance Adjuster: Immediately deployed to affected storm sites within 48 hours following a catastrophic event Served as a catastrophic property claims adjuster on behalf of insurance carriers for natural disasters and catastrophic events Inspected property losses that were subjected to catastrophic failure Prepared detailed estimates and diagrams related to the restoration of damaged property due to catastrophic failure  

CATASTROPHIC DEPLOYMENT EVENTS:

2020 Nashville, TN Tornado 2019: Little Rock, Arkansas Tornado 2018: Greenville, Mississippi Hail Storm 2018: Pine Bluff, Arkansas Hail Storm 2017: Jackson, Tennessee Hail Storm 2016: Jackson, Tennessee Hail Storm 2016: Gatlinburg, Tennessee Wildfire 2015: Port Arthur, Texas Hail Storm 2014: Abilene, Texas Hail Storm  2014: Allice, Texas Hail Storm  2014: Wills Point, Texas Hail Storm  2014: Allen, Texas Hail Storm  2013: Lubbock, Texas Hail Storm  2013: Amarillo, Texas Hail Storm  2013: Indianapolis, Indiana Hail Storm  2012: Indianapolis, Indiana Hail Storm  2012: New Orleans, Louisiana Hurricane Isaac 2012: Dallas/Fort Worth, Texas Hail Storm  2012: Henderson, Tennessee Tornado 2012: Louisville, Kentucky Hail Storm 2011: Williamston, North Carolina Hurricane Irene 2011: Dayton, Ohio Hail Storm 2011: Memphis, Tennessee Tornado 2010: Phoenix, Arizona Hail Storm 2010: Colorado Springs, Colorado Hail Storm 2010: Williamstown, New Jersey Wind Storm 2010: Selmer, Tennessee Tornado 2009: Lexington, Kentucky Ice Storm 2009: Oklahoma City, Oklahoma Hail Storm 2009: Memphis, Tennessee Tornado 2008: Houston, Texas Hurricane Ike 2008: New Orleans, Louisiana Hurricane Gustav 2008: Brownsville, Texas Hurricane Dolly 2008: Amarillo, Texas Hail Storm 2008: Minneapolis, Minnesota Hail Storm 2008: Jackson, Tennessee Tornado 2007: Jackson, Tennessee Hail Storm 2006: Memphis, Tennessee Tornado 2006: Gallatin, Tennessee Tornado 2006: Brownwood, Texas Hail Storm 2005: Fort Lauderdale, Florida Hurricane Wilma 2005: New Orleans, Louisiana Hurricane Katrina 2005: Key West, Florida Hurricane Dennis 2005: Albuquerque, New Mexico Hail Storm 2004: Winter Haven, Florida Hurricane Jeanne 2004: Kissimmee, Florida Hurricane Frances 2004: Orlando, Florida Hurricane Charley 2003: Memphis, Tennessee Wind Storm  2003: Jackson, Tennessee Tornado 2003: Midland, Texas Hail Storm