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