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Insurance Law/Questions
| Subject | Date Asked | Expert |
| Flood Insurance | 2/1/2012 | Kevin Hromas |
| Q: My Mortgage Co. requires I have no deductible on my policy. However, my agent here on the coast in ... A: Pauline, All flood insurance comes from one source - FEMA - through the National Flood Insurance ... | ||
| my tree landed on a borrowed car | 1/29/2012 | Kevin Hromas |
| Q: I had borrowed my sister's car had it parked in my driveway. Right after the first rains a large ... A: Judy, Most auto policies (with full coverage) will cover any auto that you are using on a temporary ... | ||
| Teenage Driver Insurance Law | 1/27/2012 | Kevin Hromas |
| Q: My teenage son has a license but now my insurance has gone from $1,900 to $5,100! I can't afford for ... A: Cindy, The simplest answer is to get another insurance company! There is NO requirement that anyone ... | ||
| adding a driver | 1/27/2012 | Denise |
| Q: can a driver be added to my policy just by the audits the insurance companies do on who shows up at ... A: Well, yes. If there is another person in your household, the insurance company knows that that ... | ||
| outpatient drug & Alcohol insurance | 1/23/2012 | Kevin Hromas |
| Q: myself and a few investors are considering opening an outpatient Drug & Alcohol Clinic in ... A: Albert, While my expertise is more to the "claims" side of the equation, there are a few things ... | ||
| car fender bender | 1/15/2012 | Denise |
| Q: I really need some advice here and hope you can help. My son, (he's 19)was turning right in a ... A: Well, first I would make a complaint to the police department there. That would seem to be an ... | ||
| insurance claim | 1/13/2012 | Kevin Hromas |
| Q: a few months ago my car was hit in a parking lot resulting in total front bumper damage. To fix this ... A: Anna, No insurance company can tell you who you HAVE to use for the repairs. It's YOUR car and YOU ... | ||
| Stolen car | 1/7/2012 | Kevin Hromas |
| Q: I was having my car worked on by a mechanic at his house. I left my key and car with him. A few ... A: Sylvan, I would suggest that you immediately file a police report so that tracking can be ... | ||
| Tire Blowout Insurance Claim? | 1/5/2012 | Denise |
| Q: About a month or two ago, my boyfriend and I were in his car driving down the highway at the speed ... A: The 100,000 your boyfriend is referring to is for damage that the vehicle could do to another ... | ||
| towing | 12/28/2011 | Denise |
| Q: I recently skidded and ran into a ditch during a snow storm. I had no cell service so I got a lift ... A: I'm not an attorney, nor from North Carolina. If your vehicle was a safety hazard, the police could ... | ||
| storage items lost | 12/18/2011 | Kevin Hromas |
| Q: A storage Company came and box my items and took them to their storage unit in Oakland. I paid ... A: Elizabeth, Since you had not received an answer from the storage company after you sent their ... | ||
| Storage damage and lost of items | 12/18/2011 | Denise |
| Q: A company came and box my belongings and they placed at their storage facility in Oakland, I paid ... A: I'm pretty certain that in the fine print of your storage facility agreement, it states that they ... | ||
| is an adult child covered if not listed on auto policy? | 12/8/2011 | Denise |
| Q: i live in nj and i am wondering is my adult child(son 18) living in the same home(at home)with me, ... A: If he is to be a regular operator of your vehicles, you should declare him on one vehicle, perhaps ... | ||
| parked car accident | 12/6/2011 | Kevin Hromas |
| Q: My parked vehicle was hit on september 3rd of this year by a motorcyclist. My insurance took care of ... A: Mai, You are definitely getting the run-around now. Apparently they had the right address when they ... | ||
| tree fall | 12/2/2011 | Kevin Hromas |
| Q: My wife cleans cabins in a resort the other day as she was cleaning a dead tree fell on her car and ... A: Mark, I am sorry to hear about the damage to your wife's car. Ordinarily, there would not be much ... | ||
| Maryland Insurance Lapse | 11/16/2011 | Kevin Hromas |
| Q: Many people have written into this forum concerning receiving a letter from the Maryland Central ... A: Sean, While I do not live in Maryland (and based on what they are trying here ... would probably ... | ||
| Uninsured Adult Child | 11/14/2011 | Denise |
| Q: My 24 year old daughter lives with us, has her own car and has let her insurance lapse. The DMV has ... A: Under the terms of the auto insurance contract, any resident family member is considered an insured, ... | ||
| Son hit Domino's Pizza sign in road | 11/2/2011 | Denise |
| Q: My son hit a Domino's Pizza sign lying in the road.(The one you see on tops of cars) The car in ... A: While technically, this may be a road hazard, I do think that you may want to contact your local ... | ||
| Very minor fender bender in California, limited information exchanged, hit and run liability?? | 10/31/2011 | Kevin Hromas |
| Q: Question for you: I was a party in an extremely minor fender bender in California, if you could ... A: Jon, If I understand you right, you were using a friend's car with their permission and were in a ... | ||
| Stolen car in texas | 10/27/2011 | Denise |
| Q: Someone broke in to my truck and hot wired the ignition and stole the vehicle. It is a 2005 dodge ... A: I can give you a general idea, but this can vary by state and by company. Usually if the vehicle is ... | ||
| parked car accident | 10/25/2011 | Kevin Hromas |
| Q: My apartment does not have private parking so everyone parks on the side of the street which is ... A: Mai, Since your insurance company already paid you for the damages (less your deductible) they have ... | ||
| hit and run on private property | 10/24/2011 | Kevin Hromas |
| Q: Some lady hit my car in the parking lot of my work.(private property) We were both moving, I was ... A: Asking the company you work for to cover your deductible wouldn't be the best course of action ... ... | ||
| Homeowner's bad faith issue | 10/21/2011 | Denise |
| Q: Water damage from a sudden on-set which traveled down through two floors into the subflooring and ... A: I'm not an expert in mold issues at all, sorry. I do know that some companies instituted mold ... | ||
| Homeowner's bad faith issue | 10/21/2011 | Kevin Hromas |
| Q: Water damage from a sudden on-set which traveled down through two floors into the subflooring and ... A: Pauline, While there may be conditions related to mold and other mildew in your property, the basic ... | ||
| hit and run on private property | 10/19/2011 | Kevin Hromas |
| Q: Some lady hit my car in the parking lot of my work.(private property) We were both moving, I was ... A: Rose, Because she might be a foreign national, the situation is quite tricky. But that is not a ... | ||
| MVA insurance lapse and Maryland State Law | 10/8/2011 | Denise |
| Q: Today I received a letter about MVA insurance lapse default. I am confused about this as I have not ... A: I get very frequent questions like this, and unfortunately, I don't have an answer for you. I'm not ... | ||
| accidental death policy & alcoholism | 10/5/2011 | Kevin Hromas |
| Q: my dad had a insurance policy for accidental death when he passed away, he passed due to alcoholism. ... A: Gail, First of all, let me express my condolences for your loss. I know that this is a difficult ... | ||
| Pole at gas station | 10/2/2011 | Kevin Hromas |
| Q: I recently hit a pole at a gas station when i went behind the building as I tried to leave the ... A: Shaina, Because the pole was a stationary object, the burden falls to a driver to avoid it unless ... | ||
| diversion of water | 9/26/2011 | Kevin Hromas |
| Q: Why I want to Sue this HOA Board - Illegal Drainage Pipe Flows water on my property in front of my ... A: Richard, One thing to consider prior to filing suit against the Board is to remember that any ... | ||
| Failure to Yield? | 9/24/2011 | Kevin Hromas |
| Q: My father was recently involved in a car accident at an intersection. He was waiting to turn left. ... A: Nicole, You should talk to an attorney who specializes in traffic defense in the state where you ... | ||
| parked car accident | 9/21/2011 | Kevin Hromas |
| Q: My apartment does not have private parking so everyone parks on the side of the street which is ... A: Mai, The amount you are paying your friend is a legitimate part of your loss. The fact that it is a ... | ||
| parked car accident | 9/20/2011 | Kevin Hromas |
| Q: My apartment does not have private parking so everyone parks on the side of the street which is ... A: Mai, You should definitely file suit on the motorcyclist. The state mandated mandatory insurance ... | ||
| prior damage | 9/18/2011 | Kevin Hromas |
| Q: I had prior paint damage nothing substantial to the left of my rear bumper caused by a hit and run ... A: Lea, If the prior damage was cosmetic and did not affect the structural functions of the bumper, ... | ||
| Parking Lot Spikes | 9/15/2011 | Denise |
| Q: Our company (in Maryland) is thinking about putting in the parking lot spikes that would prevent ... A: I am not an attorney, nor am I from Virginia. Much of this would depend on Virginia law, and a ... | ||
| Car Theft w/ Damage SIU resists paying claim | 9/7/2011 | Kevin Hromas |
| Q: I may be naive, but I have never been treated by an auto insurer with such disrespect. My truck was ... A: Brennan, You should retain legal counsel ASAP. In the alternative, tell GEICO in writing that ... | ||
| stolen ecovered car | 9/2/2011 | Denise |
| Q: my car was stolen. When my agent went to file paperwork for loss after a month, it was found. My ... A: You shouldn't be held liable for any damages during the time it was out of your possession. I don't ... | ||
| personal injury | 9/1/2011 | Kevin Hromas |
| Q: While helping a friend out,I was injured at his home by the trolling motor on his boat.I broke and ... A: Negligence can be a result of a direct action, or the failing to do something that a reasonable ... | ||
| personal injury | 8/31/2011 | Kevin Hromas |
| Q: While helping a friend out,I was injured at his home by the trolling motor on his boat.I broke and ... A: Steve, First of all, let me express my sorrow at your injury. I am sure is was quite painful and ... | ||
| water damage claim | 8/29/2011 | Kevin Hromas |
| Q: we live in a condo building with many units. a few days ago one of the unit's (above us) water ... A: Adel, The carrier is required to do a full and complete investigation into your claim. If they are ... | ||
| pitbull and renting a home | 8/29/2011 | Denise |
| Q: i have a family of 4 and keep getting turned down from home owners saying they can't rent to me ... A: I'm not an attorney, nor from California. The area of law you need advice on is regarding landlord ... | ||
Insurance Law
Answers by Expert:
Kevin Hromas
Top Expert on this page
Expertise
I am a licensed, executive general adjuster currently holding a Texas resident P&C license (614250), New Mexico non-resident all lines license (248774), Oklahoma non-resident P/F/M license (A299561), Florida non-resident P&C license (E117051) and a National Flood Insurance Program certification (06040100). My areas of expertise involve property and casualty issues in both residential and commercial policies with regards to claims practices and issues. I deal extensively with Lloyd's of London commercial policies and various domestic carriers for residential policies.
Experience
After a 20 year career as a General Contractor, I was employed by Allstate Insurance as an adjuster in Texas, holding various postitions within the property claims department. After leaving Allstate, I specialized in handling losses associated with major catastrophes through-out the country. (Hurricanes Isabel, Charlie, Wilma, Katrina, Ike, etc., hail storms, floods.) I am currently retained as an expert by multiple insurance defense firms in Texas for issues in litigation.
I am also a certified Umpire for formal appraisals.
Organizations
Member - Society of Registered Professional Adjusters
Fellow - Council on Litigation Management
Member - Property and Casualty Association
Member - Texas Independent Insurances Adjusters Association
Member - National Association of independent Insurance Adjusters
Member - Houston Claims Association
Publications
Claims Magazine (www.ClaimsMag.com and then search 'Kevin Hromas' for a full listing of articles and quotes.)
www.ClaimsPages.com, www.ProAdjuster.org, www.KevinHromas.com
Education/Credentials
JD - University of Houston Law Center - 1992
BA - Southwest Texas State University - 1980
AA - South Plains College - 1977
PLCS - Personal Lines Coverage Specialist
Past/Present Clients
Certain Underwriters at Lloyd's, London,
Fulbright & Jaworski (Law Firm),
Bracket & Ellis (Law Firm)
Thamm & O'Briant (Law Firm)
Sheehy, Ware & Pappas (Law Firm)
Walker, Wilcox and Matousek (Law Firm)
Financial Guarantee Underwriters
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