Bluegrass Claims Digital Directory

2019 SERVICESDIRECTORY

McCloud Claims Service,Inc.“Because There is No Substitute for Experience”McCloud Claims Service, Inc. is a full-service, multi-line adjustment firm providing personal attention to all your adjustment and appraisal needs. Specializing In:U General Liability U

BLUEGRASS CLAIMS ASSOCIATION 2019 Officers President – Teresa MorelandVice President – Adam Weintraut Secretary – Nancy Avery Treasurer – Apryl Fowler 2019 Directory Credits Erica Barnes, Chairperson Apryl Fowler, Laura MurphyOthers have contributed and their help was much appreciated i

ii

Meetings of the Bluegrass Claims Association are held on the THIRD THURSDAY of the MONTH Location: Equestrian Woods Country Club 107 Clubhouse Drive Nicholasville, KY 40356 Times: Social hour 5:30 pm Dinner/Meeting 6:30 pm Cost: $20/person Annual Dues: $25/person BGCA CONTACT INFORMATION PO Box 24036 Lexington, KY 40524-4036 [email protected] MEMBERSTeresa Moreland, President 502-682-1271Adam Weintraut, Vice Pres 859-202-0837Nancy Avery, Secretary 859-327-0975Apryl Fowler, Treasurer 859-533-2671iii

Past PresidentsRobert Milby Don WhitakerWilliam Winkler J. Eugene WelshB. Goranflo Ron ElkinsRobert Linn Steve WestmeyerWarren Breeding Wayne CroweSylvester Nash Al WhitakerFrank Aubrey Ann WestmeyerHays Page Jackie ReindlCharles Anthony SwigerColumbus Ken Dan McCloudWilliams Sit C. David StotzSutphin Luther Carol Stra�onHundley Marty Patricia O’NeillVan Hoose Jack Bob BaldwinBrophy Jack Mark PfluegerNelson Malcom Erica BarnesMason Jerry Rich DerryParker William Erica BarnesHinkle Norris Bob TaylorFlynn Jim John DotsonKammerer Tony Cheryl DenneyTennerino Jack Cheryl DenneyWharton Mike Iva HarmonSheatler Charles Cheryl DenneyLocker Don Helena CarpenterWhitaker Edward Helena CarpenterBell Roy Adams Erica BarnesLarry Clevinger Chris� HillenmeyerJim McDuffie Chris� HillenmeyerDave Brown Chris� HillenmeyerHarry Lane Bob DicksonSue Hoerter Teresa MorelandBob Jarrell Teresa Moreland iv

RETIRED MEMBERSHelen Allen L. D. Parks236 Fairway West 233 Larch LaneNicholasville, KY 40356 Lexington, KY 40505Tom Belt Miles Pope 2617 Clubside Court395 Redding Road #142 Lexington, KY 40513Lexington, KY 40517 Robert Taylor 520 Country Club EstJack Bruner London, KY 40744PO Box 10-43 London, KY 40741 C. David Stotz 196 Manitoba LaneCarolyn Childers Lexington, KY 40515500 Lake Tower #20Lexington, KY 40502 Hershel Taylor 200 Thoroughbred LaneCharles Locker Lexington, KY 4051412483 Grainery Lane Huntley, IL 60142 Tom Malone 3501 Onyx CourtAnn Westmeyer Lexington, KY 405032121 Hume RoadLexington, KY 40516Jack Whitaker779 Nancy Street Versailles, KY 40383 v

PPUUBBLLIICC PPRROOTTEECCTTIIOONN CCAABBIINNEETTSteven L. Beshear Department of Insurance Robert D. VanceStevGenovLe.rnBoershear ADgeepnatrtLmiceenntsoifnIgnsDuivraisniocen RobSeertcrDe.taVraynce Governor Agent PL.iOce.nBsoixng51D7ivision Secretary FFrrhaattnnpkk:/ff5Poo/i0nrr.ttO2s,,-u.KK5rB6YYao4n44x-c600e5066.1k0007y422.--g00o55v11/77 email: [email protected] Sharon P. Clark SChoamromnisPs.ioCnlaerrk Commissioner http://insurance.ky.gov/ Kentucky Departmeemnatil: [email protected] Licensing Division Announcement of 2010 Legislative Changes to Adjuster LicenseHouse Bill 233, enKacetendtduucrikngy tDhee2p0a10rtlmegiesnlattivoefsIensssiounr,amnacdee c-hAanggeesnttoLthiecfeinnasnicniagl rDesipvoinssiiobnility requirement foradjusters and addeAd cnonnotinuunincgeemduecnattioonfre2q0u1ir0emLenetgsifsolraatdijvuesteCrsh. anges to Adjuster LicenseaHEmpdrfouojfuuseotscsfettceiovorBfsenifatlJliinnu2dual3ynea3cd1,tidoa5eel,ndma2recc0astoi1epnn0dott,anidinisnnuuibdriainienlgpilgteeyenvtdhdewuelecin2toahtt0fia1otfdh0nijneulraeseDngtqeceiurPispasilUraa,lertBsmirttvLmeaeesIfCenpfsntoPeastnsdRfsosjoOiiufborTsinIatlEnei,dCtsrjymsuuT,rsaItaOatodennNercdpsecCr.ahoA(patDBepncIrOgNteeInEst)thT.itceoeIcntahoddenejspufuiesnmtneadernesrc.niwat,liAlsrldteansdfopfitolianoonsnndigabeliallrpyitbp,yerrererenesqtqiiudcuieerirneeamtddejptunoustbtfefilorliescrSEoafdtfefj$veuG2ecs0ntoti,vev0Lere0.rsnB0Jwoeusrsiullyhlreeb1at5ery,rb2eo0qn1ud0ir,oeirnddcteaopsehinnbcdroeennatdsa.edRtjhuesestiierdresm,nistADntpagiemfeupfnabuatrlmtdiLmcjiucelaisendmtntejsiruotisfns,otIgnaefnrsD$sudi1vrm,aai0spnui0opcs0enrtescnuotrincetetiynaudbejountsodtefroislrewcpiarlslohnoofboolofnndcgotevoreRrbaoaembgSreeeiernqwtciurDmieit.rthaueVrdmaDyntOcolieImf.ilietEprfofeocftiovfe fJinualync1i5al, 2re0s1p0o,ncsriobpilaitgyenwtsithwitlhlebeDreepqauritFrmeradenntkotfPoohr.tOfo, l.KIdnBYsaou4xK0r5a6e1n0n7c2teu-0c5(kD1y7OaId)j.usItnerdelipceenndseentto, asdtajuffstacnrdopapcSplahrieamnrotsin.ceP.aCdljaursktersmust continue to maintain a level of financial respon5s0i2b-i5l6it4y-6t0o04protect the consumer. Additionally,Croemsimdiessnitonpeur blicTayaoefddwajj$ruue2snss0,ttt,aeey0nrr-0fssd0owwuissriuhlblrohaebsotheeyuadrrbvesoeoqnnouhdftiehrloceedordlniaccttaoielnsnihicusneeibcnnerosg’enesadebsfd.oeirurtRthchaaeeytstieeiirodlmaenemraanwsiilwtt:nhdpiihoelmoutlnttih.pbueab:elg/meir/yeicnebnrslaatoieuldmirrqcrnj.aeuiunntiiscsTrnoteieenhf.adkrgen$ysm1.fcgemao,oov0irlnvu@e0/tns0aiktn-lynsluc.uugoiKnrmonegvetbtniyenetrduubeuecdockntayyodteifoaroinrleresocicprdoareomsondhoptdflb-iinoaonnufndcmdceeopbtvpeoeernereardadioemgndyeietnwiasiarmi.ntehudvTemDhrpyeOulifbItmiw.lrisiocttcompliance due datKe uenndteur cthkisynDewerpeaquritrmemeennttwoifll Ibne sJulrya3n1c, 2e0-12A. gent Licensing DivisionEffective Jcuomlyp1li5a,nA2c0en1wn0i,othcurtonhpecacegomnentietnsnuwitnigollfebde2u0rcea1qti0uoinrLerdeeqtgouiishrleoamldteianvtK,epeClnetauhsceaksnyeegaddejesutastitolesrbAliecldoewnjus:esttoeardLjusitccernopseclaims.To ensureHaaTddwojjuuuessnsetteteyrBrs-erWifseSaloslehnwiurd2odvreh3iinacos3hcde,seosdhueueoaabndcrrvjacesaeccoctpoutoehrnnftdieottnilcctdndtooihuupnviraiasinetlnircglpnighiflcueyaatedcinhtnneuhgesgecoeei2a?fret0bfird1Aooeuus0rnsliilcdnlralaeeeietctnsgqiesciolunsyeinisln.araeesKtdhwmittveKtioepnelelnstnnus:te/bects/uiksenyfcsyoskei.ruoryaeHrnaraqro,de.nuwsjcmiuieedTrsa.veekthdenedyeretr.,gsifcscn.ooohodvrmane/EnpteaiesgnllenielucrdsveiKenintncogseteensatee/htnsdudeAhucpafckriuvaenyebtsailicoindrchneecoansisacditedlojlnuiemrcsenKetpsenteprlsnsiioeat.nuenndLcsmckieiebcyapeiyapelnisnehstyreaadievnoersendeamaqtltiuapesayirlranneeucadvmseteeioverptefynhuetbtifwrloiocrEpycorefofameorcpsf,tliioavafnenWKhdcofeJieimnnilulsteadulIynubcsbctkeaa1iyesatd5eernla,d,eots2rbetoeia0idsfnus1eipeenn0todddht,sneoebisarnnyilndbtithdDcheilieepOaisnterfyInasen?ecedrwteweeL’tqihnstiruahctebietraqintterduhhsdtjieeehurteieorssyDmtreceweeoaerspismrnlia,ldtpwrebstwlnteyhmatiemwflestfltinhaatbaithetledereocjdJdboufounaosIenttlrniesynnisrnnus3uiioi,n1rtntiaa,gaainnls2necsdc0dueoe1ueanvc2(ptaeaDi.pnnntriOu-oaeinnIdnn)u.jgt.uimcesetdbIenueracdrdleaeijctdpuieoesnyntnseeed/ar.elsrincTwoeth,rniolssolsetedanrdfioenf-ndnleaiouwvnnmidadglbueanaerpolrsbetpidearfiercryenaeettcqiiaocournen.israieaTdtddehljertueeaosdsfttfieir4rlse5stmust condatiynsuperiotor tmo tahienitracinomapllieavnceel doufefdinataen. cAialserceosnpdoenmsiabiillriteymitnodeprroalteercttisthseentcoonnsthuemfeirrs.t dAaydodfitthioenliaclelnys,eer’essbidirethntmponutbh,liicfaTdojeunsstuerrcesocnwotiimnllupiblnieganrecedequwcuaiitrtihoendthatenodcionlniccterineusaeisnergetnehedewuiarclamatiroiennnirmoetquyumeitrceloimmmeipntlteo,tpfe.l$e1aIts,0eis0sc0ereistduiceratelattiyhlsabbt oeylnooudwk:oerepcacsuhrrebnotnadddtroesasesm, pinhiomneunmumlibmeristEofff$e2c0ti,v0eaHteW0hnS0Jrodehouwsrouavlugyniimrcshe1easymst5unyoa,bayucib2jrlcec0ooeaco1nSdutn0dnett,ortirnveocttsoiurrhcsoievincopsseagnrcaasihceffhgyicdaelonebutnuhgcowtneaesniti?tr.twdihor.AienDlsllRilOhdbleoeIiescuntiercordenyseqrs.eaenucdhrtieertKitpevprdueesen:bqt/ito/mluuiinccihprskooueayrdlrdtdar?ajennuasctisAeKdnt.ekeoetnyrtonit.stfgtiaiunmoclcdavoktue/ifEpyoses2tnaen4scrddvoahjeinunoncdstutetisrafens/unrutdiAulseirpcerrtueeeobanqsllifuseidiceirlerteeanstodd.tpjlraupTicodsehetrojeinusfrcsssoieot.nemfcfLomprcirolocamipeavynanechtscrileaeoaaevnigpsemeemmarswia.apoyylidatb,uhceseaeDnuodtpfOhdteIhai.rtreedeTyacoedwamjruepsns,lttiaeyanrn-aDhWeHKrhdWfsdeddcooaoeesoyjueuhimnwpiuiulwcsdrseltadsersauhenpIrtudbtnecstmorimbhterkoacoisasouyesenohehtdIrsemenuronoatafdpt,eturrooiatbvrsbneoslytoaoeietadiddfhvfnubpsioeiIeihneaneerIdnnfitiddegdrhesatncslbiucrecoceldnbcsareoaroino.yapsgltnnmtuinaasatAihdcDhtnrkclptiieseeilOoalpnselnnii.tirlfcaugnstIsaaceneat?eciokeciccnnrkenetwnioeensegL’gtconqhes?dgeirftuacouineebibfnetfLeKtdrqoiurunteriuauphdrseisdcttnirieehanceinrogteoiatanteoreevysuntstme.sireieccwddsoeoleoakAeeeusfiinsrmnyrnliacelsds-twawsptKeaebwthtwalicinpehyeiloniocltoipnelndmwlnslsonttrl.duthicnaocaetbbcoielhovetlyekeuereueymcyrddrrJedbosr.aesauoenoaeiecHclsenrtslreqioyosrn.ionuienvmwnnnu3meiitioeiaTrni1tonnivctyienh,rgaeoauiddles2rbanniese,cnf0etdufrticsoeg1enuoeoofanvr2ucromltnaeeaeiJ.iuntnndenurtaniitguuln-oldalyiinilcunesdncua1ad.iejgKsnuttm5uneiesg,cosenttbdhea2nnetueeiet0rotsiscrdo1ucnleauilhno0ccdtitaci,unkehcovatkrnyerynoetse:eifed/rocaihrse.rihlnrte?tsictoctTspfeosecridhi:reodvn/oaRo/nmeseoimysneeneKdcssopKrrtdiueifeedlnenr-indtieandanthneniuninuttewvdutcccmticlkeeadheiiky.nlpcbaukyedntpeaaeyn-eorswlne.assgpetrpdaeiioedialfpenoelnivr’rcndyde/basoaCeeetlvtcbtiniEaeoesfoiatrrdi/rnn.l.tnneehsacaaUdivdnoTdmttedninewhlvrpodertyeeiipenaeutndhusrtfubthtbiwittl,r4nlhhisiioc5geecftTo ensurerWCtCctaehheSonoasercdnehoinrnordtoeutiavmeiongInniinfucshpu.cteeislianeysminuakgoogabaneucreijEcrlcdeaoedoeacunpuuSdtwclrcndeaitiinaotrntrtivtehectoitosioihncstpcnhveioaaosseelsunnrceaprcdihccffslotyaiacelinlicoonsectte?hungeiwnen,noeiuti?ssfrC.teeihbrnloAeeurguDescslrniitleOsdne“dleeeIiwvsucnstieasccoemnlaywisrna.taeeiyraoKcdhecnetbetKntiiepvnroveseteettnu:qa/iycti/kumuniekencidtyprnske.coeuypomHraretamsraoneennpwncdsctilleteedae,nn.vstekpoetesny.tlrrptie.o,frgaiIoiosnotcsomvdaveimiset/,disEpeoceecesnreolenisistrcr.ddir”veaceeeinnastnclasdpteeitosalhfe/nsnusaddtbtAhueeypranlerouvcoeuebeaws,llickie:dcoheretnoeanslpsd.tienjlcnuTieucsKhertserineeserslnsnfeit.-tnuesfaLctomdukirdcdyameyryaena,sshtsoiseaaoerevnnssea,amnmpalythaapeoyyrlcannobuceamesetneibuovutipefhnmdeabaitriteoerdns hHoomwe mstaatney, bcaosnetdinouninthge efadcutctahtaiot nthehiorurressidaernetrsetaqtueirdeode?s nAot itsostuale oafn2a4djhuosuterrs liiscerneqseu.irTedhopseerincodmivipdluiaanlcsearpeercioonds,idanerdedthreeKentuckyUWdKhWaoneyibuhnlsrrletisudnpIlcmerbkidsoyueShrsprnotteiuoorbsittlie.tdicdhfoieienemInidratsbcbceaooygnmuidDnrpsOaleitraIacen?okcrnieenLcqdgeiucunieeKrtnreadsedteaniteottoesun.ccwooAkfimylels-ptebahlcepyiocpmwnsr.diaotihvelemecddoanailcntiorniennumtiiitniningaudleiecndroguanclteaeindrtituuoiicnsna.gsteieondntuoccnaottiuhorensfe/isrl?sict ednAaRsyneesEorifqeduntehaenelwtOlaiiplcnpednoneortsptueienfeniit’cydsaeEtbnimoitrnpthaloanmytdelorepnaMust/htFb,4/lDii5cfcaodnjutisnteurisngmeadyubceagtiionntaknidngliceonnsteinrueinegweadluacraetinoontcyoeutrcseosmopnleoter.afItterisJcurliyti1c5al, t2h0a1t0y,otuo rkeeceepivceurcrreendtitadthdarteswsielsl,bpehfoilneednwuimthbethrseaDnedpaarntmemenatiloafdIdnsreusrsanocne.file with DOI to receive important notifications and future alerts. This information may be updatedHtHhrooowwugdmhoayInoyfuirncedoSnaetricnvliuacsienssgtaocetcdaoukucena?tt.ioLnicheonuseressawriellroenqluyirreecde?iveAcotonttailnuoifng24edhuocuartsioins crereqduiitrefdropmerKceonmtupclkiayn-acpeppreorvieodd,caonndtintuhirnegehedouucrsatmiounstpbroeviindaercso. uArselisctoinngceonftraptrioovnidoefresthaincds.courses may be found at this link: http://insurance.ky.gov/CE/. Under theWCohnetinnusihnoguElduIcabtieogninsecttaikonin, gselKecetn“tuvicekwy-aacptipvreoivneddepceonndteinntupinrogvieddeursc.a”tion courses? Resident independent and publicDaHCthdeaoejpurnweasortIdetfmro.tsaeIkmnfetianoyodfnbIalenignsciuelnaracstnaoskcuteiorn.sgteasck?oen?tCinLouuiicrnesgensseedmeusacywatiiblolenotcnaolkyuernrseecasesiovcnelaocsrosranoftotienmru,iJnucgloyrer1de5us,cpa2ot0nio1dn0e,ncctroee,dreiotcnfelriiovnmee csKreeeldfn-itstuttuchdkayyt,-waopirlplrabonevyefdicloecdmonwbtiiintnhautiitnohgneeducation providers. A listing of providers and courses may be found at this link: http://insurance.ky.gov/CE/. Under theContinuing Education section, select “view active independent providers.”Can I take online courses? Courses may be taken as classroom, correspondence, online self-study, or any combinationthereof.KentuckyUnbridledSpirit.com An Equal Opportunity Employer M/F/DKentuckyUnbridledSpirit.com An Equal Opportunity Employer M/F/D vi

How will DOI know if I have completed continuing education requirements? Continuing education providers will file allcourses you have completed online with the Department of Insurance. However, it is the licensee’s responsibility to monitortheir continuing education credit and verify all courses have been filed with DOI. Log into your secure eServices account athttps://insurance.ky.gov/Eservices/. To set up a new account, click on “first time here.” If you have not received credit fora completed course, you must contact the continuing education provider. DOI’s database will automatically loadcontinuing education information submitted by providers. The database will calculate course hours daily. You may reviewthose hours in your licensing record on our Web site http://insurance.ky.gov. Select Agent/Agency Search to review yourinformation.What is my license renewal and continuing education compliance date? A chart is listed below which will indicate yourcompliance dates for continuing education and license renewal. This chart is based on your birth month and your birth year.Compliance information is separated by even-numbered birth year and odd-numbered birth year. The compliance dates alsoare listed on the DOI Web site, and may be found by selecting the Agent/Agency Search to pull up licensee information.Compliance Period EXAMPLE for 2012 Your DOB is August 17, 1960 – August is the month of birth, so compliance month is always August. Year of birth, 1960, is an even-numbered year, so compliance date is always August of every even-numbered. Therefore, license renewal and continuing education requirement due date is 08/31/2012. o Continuing education courses MUST BE COMPLETED on or before 08/31/2012, and they must be filed with the DOI on or before 10/31/2012. PUBLIC PROTECTION CABINET o License renewal grace period is 09/01/2012 through 10/31/2012 to renew with an additional $50 penalty fee.StevGenovLe.rnBoeorsheFYaaroiulurweiltlo rteoqureirinemstaeADtneget,epylnaoictrutePLrmn.ilOcseiecen.enBtrnseoosnixefneIg5wnb1ysDa7ulisvrouaisrbnimcocoenitnttiinnguiangneewduacpaptiloicna, twioinll, cAadumseinyiosRturoratbliSievcereetcnOrDsee.ftfaVitrcoayenecoxefpitrhee. complete either then be required Courts background report, proof of fiFnarannckiafolrrte, sKpYon4s0i6b0il2it-y05a1n7d fees. Sharon P. Clark Commissioner 502-564-6004 http://insurance.ky.gov/ License Deadline to emaDile:[email protected] License Effective Date Renewal and COMPLETE PROVIDE of License Renewal of License CE(oCAdnKuEtcni)naeDutninuioneongtuunckceymDReeCqenuopiurtreasdeorsCftEm20e1nCDP0oetrmpoaoLoprfltfimoeanfeIgcnCnetiEostsofluartiavCfnoEoerxmcFpCpeairlielauth-terieoCaAntEonggeensttLoLCiAacotmeeNdPpnoljenisnau-anislncteytgerDLiCvEiFocixomsperiiprnNolaioatsninnoe-cne Date Insurance Requirement Grace PeriodHouse Bill 233,(LenasatcDtaeydodf uring the 2010 legislative session, manad/doer Rcehpoarnt ges to thPeAfYinMaEnNcTial responsibility requirement foradjusters and adBdiertdh Mcoonntthin- uing education requirements for adCjuEsCteomrsp.liance DUE: BetweenEffective July in ODD or independent adjusters, staff adjustetrosD,Ienapsnuarrdtamnacepentporfentice1basitdrtDhjuamsyotAentFrhsTaEwndRill no longer be required to file 15,E2V0E1N0,proof of financiaBlirtrheYspeaorn) sibility with the Department of Insurance (DOI). InLdAepSTenDdaeynotf, staff and apprentice adjustersmust continue to maintain a level of financial responsibility to protect the coGnrascuemPeerrio.d Additionally, resident publicadjusters will be required to increase their minimum limit of $1,000 surety lbisotenddbeolorwcash bond to a minimum limitof $20,000 surety bond or casIhFbYonOd.URWesidEenRtEpuBblOic RadNjusItNersAmNustEcVonEtinNueYtoEfAileRproof of coverage with DOI.Effective July 1351,-J2u0l1-200,12crop age3n1t-sJuwl-2il0l1b2e req3u0-iSredp-2to01h2old a3K1-Jeunlt-u20c1k2y adjuste3r0l-iSceepn-s2e01t2o adju3s1t-Jcurlo-2p01c2laims.Twenty-four h3o1u-Arusgo-2f01c2ontinu3i1n-gAuegd-2u0c1a2tion31w-Oicllt-2b0e12requ3i1r-eAdugf-2o0r12all Kent3u1c-Okcyt-2r0e1s2ident31i-nAduegp-2e0n12dent and publicadjusters who 3h0a-Sveep-h20e1l2d a lice3n0-sSeepf-o2r01a2t le3a0s-tNoovn-2e01y2ear. 30T-Sheep-c2o0n1t2inuing e3d0u-Ncoavti-o20n12comp3l0ia-Snecpe-2p0e1r2iod is every twoyears, and is ba3s1e-dOcotn-20th1e2 licens3e1e-’Oscbt-i2r0t1h2year31w-Dheect-h2e0r12born 3i1n-Oacnt-e20v1e2n-numbe3r1e-dDeyce-a20r1o2r odd3-1n-Oumct-b2e0r1e2d year. The firstcompliance due3d0-aNteovu-2n0d1e2r this n3e0w-Norevq-2u0i1r2emen3t1-wJainll-2b0e13July 3301-N, o2v0-12021.2 31-Jan-2013 30-Nov-2012To ensure compl3i1a-nDceec-w20it1h2 the con31ti-nDueicn-2g0e1d2ucat2i8o-nFerbe-q2u01ir3emen3t1,-Dpleeca-2se01s2ee details28b-eFleobw-2:013 31-Dec-2012 IF YOU WERE BORN IN AN ODD YEARWho is subject to this change? All licensed Kentucky resident independent and public adjusters. Licensees may use their ereSseirdveincce3es1oa-Jcracanop-u2rn0itn1ct3oipvaelrpiflya3ct1eh-eJoiafrnbr-eu2ss0ii1dn3eensscyin.31Kh-Mtetpnasrtu-:2/c/0ikn1y3s.uHraonwc3ee1.v-kJeyar.n,g-so2o0vm1/E3esleicrveincseese/3s1Ah-Marvaeers-ic2dh0eo1n3stelnicKene3sn1et-ueJcamknya-2ya0s1h3aavneaaltperlancaetiovefhome sta2t8e-,Fbeabs-2e0d1o3n the fa2c8t-tFheabt-2th0e1i3r resi3d0e-nAtpsr-t2a0te13does n2o8-tFiessbu-2e0a1n3 adjuster3l0i-cAepnrs-e2.01T3hose i2n8d-Fiveibd-u2a0l1s3are consideredKentucky31r-eMsaidr-e2n0t1s3and are3r1e-Mquairr-2e0d1t3o com31p-lMyawy-i2th01c3ontinu3i1n-Mg aerd-2u0c1a3tion. 31-May-2013 31-Mar-2013Will pI rbioe3r0n-tAoopttirhf-ie2ei0dr1c3boymDpOliaIn?3c0e-LAdipcuree-n2d0sea1et3es. wAil3ls0eb-cJeoumnnd-a2i0ele1md3aailnrien3mi0ti-inAadlpecrr-o2an0lt1ei3nrtuiisngseendtuo3cn0a-ttJihouennf-/2irl0si1ct3ednasyeorf3e0nth-eAewplari-lc2en0no1st3eifei’csatbioirnthamt loenastht ,4i5fdayscontinui3n1g-Medauy-c2a0t1io3n and l3ic1e-Mnsaey-r2e0n1e3wal a3r1e-Jnuolt-2y0e1t3comp3l1e-tMe.ayI-t2i0s13critical tha3t1-yJouul-2k0e1e3p curr3e1n-tMaadyd-2re0s1s3es, phone numbersand an e3m0a-Jilunad-2d0r1e3ss on fil3e0-wJuitnh-2D0O13I to r3e1c-eAiuvge-2im01p3ortan3t0n-oJutinfi-c2a0t1i3ons and fu31tu-Areugal-e2r0t1s3. This30i-nJfuonrm-20a1ti3on may be updatedthrough y3o1-uJruel-S2e0r1v3ices acco31u-nJtu. l-2013 30-Sep-2013 31-Jul-2013 mma3u1ns-tyAbucegoi-nn2t0ai1nc3uoiunrgseedc3ou1nc-Acaeutnigot-rn2a0th1io3onurosf 3ea1trh-eOiccrste.-2q0u1i3red? 30-Sep-2013 31-Jul-2013 and threeHow 3A1-Atuogta-l20o1f324 hours31is-Orecqt-u2i0r1e3d per 3c1o-Amupgli-2a0n1c3e period,hoursWhen s3h0o-Sueldp-2I01b3egin ta3k0i-nSgepK-2e0n13tucky30-a-Npopvr-o2v0e1d3 con3t0in-Sueipn-g20e1d3ucation 3c0o-Nuorvse-2s0?13 Resi3d0e-nStepin-2d0e1p3endent and publicadjusters31m-Oayctb-2e0g1i3n taking3c1o-Ontcitn-u20in1g3 edu3c1a-tDioenc-c2o0u1r3ses on31o-Or acft-t2e0r1J3uly 15, 203110-D, etoc-r2e0c1e3ive cr3e1d-iOt ctht-a2t0w13ill be filed with theDepartm3e0n-Nt oofv-I2n0s1u3rance. 30-Nov-2013 31-Jan-2014 30-Nov-2013 31-Jan-2014 30-Nov-2013eHdouwcadtioo3nI1-fpDirneodcv-i2ad0ec1rl3sa.ssAtolista3ti1kn-egD?eocfL-2ip0cr1eo3nvsiedeesr2sw8-aiFlneldbo-nc2lo0yu14rresecseivm3e1a-cyDoebnceti-n2f0uo1iun3ngdeadtucthaitsi2o8ln-iFncekrbe: -d2hi0ttt1pf4r:o//minsKu3er1an-nDtucececk.-k2yy0-.1ag3popvr/oCvEed/. continuing Under theContinuing Education section, select “view active independent providers.”Can I take online courses? Courses may be taken as classroom, correspondence, online self-study, or any combinationthereof.KentuckyUnbridledSpirit.com An Equal Opportunity Employer M/F/D KentuckyUnbridledSpirit.com An Equal Opportunity Employer M/F/D vii

President's MessageWhat a pleasure it is to write this message again as President of the BGCA and I would like to thankthe Board and Members for entrusting me with this position for a third year. I have been a memberof this organization for the past eight years and have been a committee chair and/or a board memberfor the past six years. We have a great organization of insurance professionals and I am proud to saythat I am a member and look forward to what we can accomplish in 2019.As we start 2019, we plan to continue offering CE classes once a quarter. We plan to continue oursponsorship with the help of our generous vendors with a Habitat for Humanity Love Thy Neighborproject. We will continue our long tradition with the golf outing, involvement with KCA, and theChristmas Party.I hope to continue BGCA being more involved in the community by giving back to those in need. Wehave done well with the Salvation Army Food Angel Tree program at our Christmas party, Habitat forHumanity Love Thy Neighbor program and our charities each month.I would like to encourage everyone to make an effort to get more involved in our organization. Evena full Executive Board cannot do it all, so we need your help. Perhaps for you, becoming more involvedmeans volunteering to serve on a committee or helping out at a monthly meeting, or maybe, it meansjust making a commitment to attend one or two more meetings than you did last year. Whatever itmeans to you, I hope you will sincerely consider your place in the BGCA and become a larger part ofit. No effort is too small and all contribute to the success of this great organization.In closing, I hope that you will join us as we strive to keep the BGCA a strong leader within our industry.Sincerely,Teresa MorelandPresident, BGCA viii

Constitution Attorneys at Law creinRha. rCdtr@airgeiRnheianrdhtalradwt .com khoKrnabthacekri@nreeiJn. hHaorrdntlbaawck.com dmacDk@anreieinl hCa.rMdtalacwk .com [email protected] 449 Lewis Hargett Circle, Suite 210 Lexington, KY 40503-3590 (859) 277-7100, Fax: (859) 277-0070 www.reinhardtlaw.comFirm rated A.V. Preeminent since 2016 by our peers

ConstitutionHank Doug Jamie Scott Langdon Michael StanJones Stephan Dittert Miller Worley LaCourse LeeWith well over a century of combined insurance litigation experience, Sturgill Turner’sInsurance Defense Team can analyze cases and resolve them efficiently — saving insurancecompanies time and money. Scan the QR code to learn more about our Insurance DefenseTeam at www.sturgillturner.law.WE’VE DONE THIS BEFORE♦

BLUEGRASS CLAIMS ASSOCIATION CONSTITUTION ARTICLE I NAMESECTION 1. The name of the association shall be the Bluegrass ClaimsAssociation, Inc. (hereinafter “Association”). ARTICLE II OBJECTIVESSECTION 1. To promote the administration of claims and losses for prompt andjust settlement of meritorious claims.SECTION 2. To promote vigorously resisting collusion, deception, and false orfraudulent claims and to promptly discourage and expose dishonest, unscrupulous,or unethical practices.SECTION 3. To promote education and professionalism in the insurance industry.SECTION 4. To promote the general welfare of companies represented. Topromote harmony and cordial business relations between members. To exchangeinformation concerning matters of interest. To discuss common problems. ARTICLE III MEMBERSHIPSECTION 1. Any person primarily employed in the insurance field whoseprincipal responsibility is the handling of claims for insurance or self-insuredorganizations including licensed independent and staff adjusters, SIU investigatorsand appraisers. Membership eligibility is also extended to those who work inindustries which support, assist and work in conjunction with the companies andself-insurers represented in this organization in the investigation, evaluation,negotiation and resolution of claims.SECTION 2. Any person who is a member at the time of their retirement willcontinue to be eligible for membership for life. Questions of eligibility shall beresolved by the Executive Committee.SECTION 3. The association may award honorary membership to outstandingmembers of the community or to others in related fields. The membership shallhave no voting privileges. Such awards shall be determined by majority vote of themembership. Honorary members will be charged no annual dues. 1

SECTION 4. A member in good standing shall be: A. A member who has met the eligibility requirements or who has been awarded Honorary Membership, and B. A member whose dues are paid no later than April 1 of each year.SECTION 5. Members in good standing, as defined in Article III, Section 4 shallbe eligible to receive awards, scholarships and other benefits of the Association.SECTION 6. Any eligible person may be enrolled as a member upon filing writtenapplication with the Secretary bearing recommendations by one member. Theapplication will be proposed at a regular meeting at which the applicant is inattendance. The applicant will then be voted upon at the next regular meeting,following proposal, at which the applicant is in attendance, with acceptance orrejection being determined by a majority vote of those members present. Uponacceptance, the new member must pay annual dues.SECTION 7. Any member may be expelled from membership for just and duecause by a two-thirds majority vote of the members present and voting at a regularmeeting following the preceding regular meeting where it has been announced bythe presiding Officer that it was the intention to take such a vote. Just and due causeshall be determined by the Officers, which shall conduct a hearing and offer theoffending member an opportunity to be heard.SECTION 8. Any member three months in arrears with their dues shall beautomatically dropped from membership.SECTION 9. Annual membership dues shall be waived for past presidents andretired members of the association who have been a member in good standing fora minimum of five years.SECTION 10. Any person holding a public adjuster license is excluded frommembership regardless of whether he or she meets any other requirements ofmembership. ARTICLE IV OFFICERSSECTION 1. The Officers of the Association shall be President, Vice-President,Secretary and Treasurer. At least three of these Officers must be licensedindependent or staff adjusters, SIU investigators or appraisers. One Officer may beany member and all Officers must be in good standing with the Association. 2

SECTION 2. The election of Officers shall be conducted at the October meetingof the Association. They shall be elected by the majority of votes cast by themembers in attendance at the meeting. Notarized absentee ballots will be accepteduntil such time as the polls are announced closed by the election official.SECTION 3. Each Officer shall take office on the first day of January and shallcontinue until his or her elected successor takes office.SECTION 4. In the event the President cannot complete the term of office theVice-President shall assume the office of President and shall appoint a VicePresident to fill the term with the approval of the Executive Committee. In the eventany other Officer cannot complete their term the President shall appoint a person tofill the term with the approval of the Executive Committee. ARTICLE V MISCELLANEOUSSECTION 1. Annual Claims Person of the Year must be a member in goodstanding and a licensed independent or staff adjuster, SIU investigator or appraiser.SECTION 2. Delegates to the Kentucky Claims Association on behalf of theAssociation must be members in good standing and licensed independent or staffadjusters, SIU investigators or appraisers. ARTICLE VI COMMITTEESSECTION 1. It shall be the duty of the President upon taking office to appoint suchcommittees as are necessary to achieve the objectives of the Association.SECTION 2. A Parliamentarian may be appointed by the President and his or herduties will consist of overseeing all conduct and procedures of all regular monthlymeetings, per Roberts’ Rules of Order, Newly Revised. He or she shall also serveas the Election Officer. ARTICLE VII INTERPRETATIONSECTION 1. The interpretation or meaning of any provision of the Constitutionshall be determined by the Executive Committee of the Association. 3

ARTICLE VIII DUTIES OF OFFICERSSECTION 1. The President shall preside at all meetings of the Association.SECTION 2. The Vice-President shall perform the duties of the President whenthe latter is absent or incapacitated.SECTION 3. The Secretary shall notify the membership of the time and place ofall meetings, take minutes of all business meetings, and handle correspondence forand on behalf of the Association.SECTION 4. The Treasurer shall collect, and be the custodian of, the dues,assessments, and all other funds of the Association and disburse funds inaccordance with the majority of the membership and shall perform all other dutiesordinarily incidental to the Office of Treasurer.SECTION 5. There shall be an Executive Committee of the Association consistingof the President, Vice-President, Secretary, Treasurer, Immediate Past Presidentand any others the President shall so appoint. The President will serve as Chairman.SECTION 6. The Executive Committee shall have general control of theAssociation affairs. ARTICLE IX MEETINGSSECTION 1. Regular meetings of the Association shall be held monthly.SECTION 2. Special meetings of the Association may be held subject to the callof the President, with the requirement of written notification to all members as tothe date, time and place of the special meeting.SECTION 3. Attendance of members present, after timely notice, shall constitutea quorum at any meeting. No official business will be conducted in the absence ofa quorum, with the exception of voting conducted on new members. New memberswill be accepted by the affirmative vote of the majority of members present.SECTION 4. The conduct of the meetings of the Association shall be governed bythe President under rules not in conflict with this Constitution. 4

ARTICLE X AMENDMENTS TO THE CONSTITUTIONSECTION 1. The Constitution may be amended by a majority vote of the memberspresent at the regular meeting following the meeting at which an amendment isproposed.SECTION 2. This revision of the 1966 Constitution is hereby approved andadopted by a majority of the membership present at the March 7, 1987 meeting, ithaving been ascertained and recorded in the minutes of the Secretary that a quorumwas in attendance.SECTION 3. This revision of the 1987 Constitution is hereby approved andadopted by a majority of the membership present at the January 21, 1993 meeting,it having been ascertained and recorded in the minutes of the Secretary that aquorum was in attendance.SECTION 4. This revision of the 1993 Constitution is hereby approved andadopted by a majority of the membership present at the November 16, 1995meeting, it having been ascertained and recorded in the minutes of the Secretarythat a quorum was in attendance.SECTION 5. This revision of the 1995 Constitution is hereby approved andadopted by a majority of the membership present at the April 18, 1996 meeting, ithaving been ascertained and recorded in the minutes of the Secretary that a quorumwas in attendance.SECTION 6. This revision of the 1996 Constitution is hereby approved andadopted by a majority of the membership present at the April 16, 1999 meeting, ithaving been ascertained and recorded in the minutes of the Secretary that a quorumwas in attendance.SECTION 7. This revision of the 2010 Constitution is hereby approved andadopted by a majority of the membership present at the September 15, 2011meeting, it having been ascertained and recorded in the minutes of the Secretarythat a quorum was in attendance.SECTION 8. This revision of the 2018 Constitution is hereby approved andadopted by a majority of the membership present at the September 20, 2018meeting, it having been ascertained and recorded in the minutes of the Secretarythat a quorum was in attendance. 5

NOTES

FASTER TO ANY SIZE DISASTER SERVPRO® of Pulaski & Insurance Laurel Counties Companies 606-877-2160 COMMERCIAL DAMAGES RESIDENTIAL DAMAGES SERVPRO® of Madison, Rockcastle, Garrard, & Lincoln Counties 859-623-0000SERVPRO® of Pike, Floyd, & Knott Counties 606-437-4040 Independently Owned and Operated DISASTER RECOVERY TEAM® SERVPRO® SYSTEM SERVICESR Fire, Smoke and Soot C Air Ducts & HVACE Water Removal & Dehumidification LS E Biohazard, Crime Scene & VandalismT Mold Mitigation & Remediation A Carpet, Upholstery, Drapes & BlindsO Catastrophic Storm Response N Ceilings, Walls and Hard FloorsR Move Outs and Contents Restoration I DeodorizationA NTI Electronics and Equipment GO Document Drying *Services vary by locationN Contents Claim Inventory Service Like it never even happened.®

Insurance Companies Attorneys at Law Lexington Office 771 Corporate Drive, Suite 900 Lexington, KY 40503 (859)219-9090 Louisville Office 920 Lily Creek Road, Suite 102 Louisville, KY 40243 (502)785-9090 Northern Kentucky Office 334 Beechwood Road, Suite 402 Ft. Mitchell, KY 41017 (859)444-4949 Nashville Area Office 1517 Hunt Club Blvd., Suite 200 Gallatin, TN 37066 (859)919-9090 24 Hour Trucking Hotline (859)230-1165

A.I.N., INC. PO Box 436806 Louisville, KY 40253-6806 (502) 254-9246 FAX: (502) 254-1185 ALLIANCE RESOURCES PARTNERS 1146 Monarch Street Lexington, KY 40513 (859) 224-7200 FAX: (859) 224-7201 ALLSTATE INSURANCE COMPANIES 9931 Corporate Campus Drive, Suite 2000 Louisville, KY 40223 (800) 669-3084 FAX: (866) 430-5917 ALPHA INSURANCE COMPANIES PO Box 2128 Brentwood, TN 37024-2328 (877) 584-7466 FAX: (615) 661-4838 ALTERNATIVE SERVICE CONCEPTS, LLC 178 Second Street, Suite 101 PO Box 2258 Pikeville, KY 41502 (606) 437-4008 FAX: (606) 432-1230AMERICAN MINING INSURANCE COMPANY PO Box 910928 Lexington, KY 40591-0928 859-971-1955 AUTO-OWNERS INSURANCE COMPANY 1124 Monarch Street Lexington, KY 40513 PO Box 910728 Lexington, KY 40591 (859) 278-6181 (800) 397-4267 FAX: (859) 971-4210

CINCINNATI INSURANCE COMPANY PO Box 145496 Cincinnati, OH 45250 (513) 870-2000 COLLINS AND COMPANY 311 Townepark Circle, Suite 100 Louisville, KY 40243 (502) 863-4177 FAX: (502) 423-9715 ***** 516 South 6th Street Mayfield, KY 42066 (270) 251-0974 FAX: (270) 251-0956 ***** Prestonsburg, KY (866) 545-7800 FAX: (866) 545-7801 COX & ASSOCIATES PO Box 55050 Lexington, KY 40555 (859) 252-2291 [email protected] CRAWFORD & COMPANY South Central District 117 Seaboard Lane, Suite F-200 Franklin, TN 37067 615-221-5900 FAX: (615) 221-0044 [email protected] CUNNINGHAM LINDSEY 9300 Shelbyville Rd., Suite 604 Louisville, KY 40222 (502) 423-7660 FAX: (502) 515-1755

CUSTARD INSURANCE ADJUSTERS 3000 Breckenridge Lane, 2nd Floor Louisville, KY 40220 (502) 451-9401 FAX: (502) 459-9621 HOTLINE: (888) 287-8273 www.custard.com DOTSON & ASSOCIATES, LLC P.O. Box 417 Richmond, KY 40476 (859) 333-5422 [email protected] www.kentuckyclaimsadjusters.com EMC-HAMILTON MUTUAL INSURANCE COMPANIES 11311 Cornell Park Dr., Suite 500 Blue Ash, OH 45242 (800) 732-5595 Website: www.emcinsurance.com EMPLOYERS RISK SERVICES PO Box 628 Bowling Green, KY 42102-0628 (270) 782-7678 (800) 378-2540 FAX: (270) 782-7654 ERIE INSURANCE Paragon Center Suites 236, 239, 242 2333 Alexandria Drive Lexington, KY 40504 (859) 447-3765 (877) 589-3743 www.erieinsurance.com FIREMAN’S FUND INSURANCE PO Box 970 O’Fallon, MO 63366 (888) 347-3428 (800) 870-8857

FRONTIER ADJUSTERS www.frontieradjusters.com LEXINGTON PO Box 1115 Shelbyville, KY 40066 (866) 905-3432 FAX: (866) [email protected] ***** LONDON PO Box 1296 Campbellsville, KY 42719 (606) 877-1240 FAX: (270)692-0015 [email protected] ***** MOREHEAD 116 Flemingsburg Rd. Morehead, KY 40383 (606) 783-1292 FAX: (606) 783-0157 [email protected] ***** PADUCAH PO Box 554 Carterville, IL 62918 (866) 485-1457 FAX: (866) 997-3696 [email protected] ***** ELIZABETHTOWN PO Box 1296 Campbellsville, KY 42718 (270) 692-9833 FAX: (270) 692-0015 [email protected] GEICO 1 Geico Center Macon, GA 31296 (800) 841-9160 ext 5272

GRANGE MUTUAL CASUALTY INSURANCE COMPANY 1792 Alysheba Way, Suite 300 Lexington, KY 40509 (859) 278-5481 (800) 837-0801 FAX: (859) 276-3283 CLAIMS FAX: (800) 837-0802 INDIANA INSURANCE COMPANY PO Box 515097 Los Angeles, CA 90051-5097 (800) 279-7221 FAX: (888) 268-8840KENTUCKY EMPLOYERS’ MUTUAL INSURANCE (KEMI) 250 West Main Street, Suite 900 Lexington, KY 40507 PO Box 12500 Lexington, KY 40583 (859) 425-7800 FAX: (859) 425-7809 KENTUCKY FARM BUREAU INSURANCE COMPANY ALL CLAIMS CORRESPONDENCE: PO Box 20400 Louisville, KY 40250-0400 CLAIMS REPORTING: (866) 532-2524 2401 Merchant Street Lexington, KY 40511 (859) 254-8074 (800) 782-3810 FAX: (859) 254-7216 ***** 1765 Vendor Way Lexington, KY 40509 (859) 624-0487 (877) 496-8286 FAX: (859) 263-7858

***** 957 Weaver Road Florence, KY 41042 (859) 525-6170 (800) 538-8653 FAX: (859) 525-6574 (859) 525-0394 ***** 1215 West Highway 80 Somerset, KY 42503 (606) 679-4327 (800) 538-8650 FAX: (606) 679-3453 ***** 819 North Main Street London, KY 40741 (606) 864-9303 (877) 819-0141 FAX: (606) 864-5880 ***** 110 Nancy Cox Drive Campbellsville, KY 42718 (888) 673-8423 FAX: (270) 465-9771 ***** 506 Sunset Drive Morehead, KY 40351 (606) 784-7536 (800) 538-8649 FAX: (606) 784-8769 ***** 230 Panbowl Lake Drive Jackson, KY 41339 (606) 666-2476 (800) 538-8647 FAX: (606) 666-4565KENTUCKY GROWERS INSURANCE COMPANY PO Box 1810 139 Market Street Lexington, KY 40588-1810 (859) 252-3439 FAX: (859) 252-2200 [email protected] [email protected]

KENTUCKY LEAGUE OF CITIES 100 East Vine Street, Suite 800 Lexington, KY 40507 (859) 977-3700 (800) 876-4552 FAX: (859) 977-3703 WEBSITE: www.klc.org KENTUCKY NATIONAL INSURANCE COMPANY PO Box 55108 2416 Sir Barton Way Lexington, KY 40555 (859) 367-5200 (800) 617-4307 FAX: (859) 658-0488LEXINGTON FAYETTE URBAN COUNTY GOVERNMENT Department of Law 200 East Main Street Lexington, KY 40507 (859) 258-3500 FAX: (859) 258-3466 LIBERTY MUTUAL INSURANCE PO Box 515097 Los Angeles, CA 90051 (800) 225-2467 FAX: (800) 593-3577 McCLOUD CLAIMS SERVICE, INC HOME OFFICE: PO Box 1689 Bowling Green, KY 42102-1689 (270) 782-1515 FAX: (270) 842-4600 Email: [email protected] Website: www.mccloudclaims.com McINTYRE, GILLIGAN & MUNDT, INC. PO Box 33217 Louisville, KY 40232-3217 (502) 582-3744 FAX: (502) 582-3748 Email: [email protected] Website: www.mgmadjusters.com

PO Box 1019 Bowling Green, KY 42102 (270) 842-6121 FAX: (270) 769-5922 ***** PO Box 129Elizabethtown, KY 42702-0129 (270) 769-5921 FAX: (270) 769-5922 ***** PO Box 1084 Corbin, KY 40702-1084 (606) 528-2450 FAX: (606) 528-2469 ***** PO Box 1662 Somerset, KY 42502 (606) 678-8316 FAX: (606) 528-2469 ***** PO Box 855 Hazard, KY 41702-0855 (606) 436-4522 FAX: (606) 528-2469 ***** PO Box 341 Frankfort, KY 40602-0341 (502) 223-7132 FAX: (502) 226-2056 ***** PO Box 23537 Lexington, KY 40523-3537 (859) 296-1022 FAX: (859) 296-1027 ***** PO Box 21175 Owensboro, KY 42304 (270) 769-5921 FAX: (270) 769-5922 *****MET LIFE AUTO & HOME PO Box 6060 Scranton, PA 18505-6040 (800) 854-6011 FAX: (866) 743-4890

METRO ADJUSTING SERVICE INC. 34 West Sixth Street Covington, KY 41011 (800) 685-4567 (859) 491-6333 FAX: (859) 491-2520 Email: [email protected] NATIONWIDE INSURANCE COMPANY National Claim Number 1-800-421-3535OHIO CASUALTY INSURANCE COMPANY 9450 Seward Road Fairfield, OH 45014 (800) 225-2467 PROGRESSIVE INSURANCE COMPANY 1792 Alysheba Way, Suite 250 Lexington, KY 40509 (859) 629-4720 FAX: (859) 263-0542 ***** 116 Shiloh Drive #1 London, KY 40741 (606) 260-4130 FAX: (606) 862-1624 PROPERTY DAMAGE APPRAISERS PO Box 2117 Lexington, KY 40588 (859) 523-5344 FAX: (859) 904-1537 www.pdacorporation.com [email protected] RISK MANAGEMENT SERVICES PO Box 22989 Louisville, KY 40252 (800) 372-5402 FAX: 502-326-5909 Website: rmsc.comReport Kentucky Utilities Claims: 1-800-372-5402

SAFECO INSURANCE PO Box 515097 Los Angeles, CA 90057 (800) 332-3226SHELTER MUTUAL INSURANCE COMPANY 1121 Monarch Street Lexington, KY 40513 (859) 278-6088 (800) 432-0939 FAX: (859) 277-2288 SMITH ADJUSTING, INC. 2931 Hultz Road Catlettsburg, KY 41129 OFFICE: (606) 928-0399 CELL: (606) 922-1798 PAGER: (606) 920-3272 FAX: (606) 928-0828 Website: www.smithadjusting.com Email: [email protected] STATE AUTO INSURANCE COMPANY Columbus Claims Office PO Box 182822 Columbus, OH 43218 614-464-5000 (800) 776-1853 FAX: (888) 999-8095 STATE FARM INSURANCE COMPANY 2500 Memorial Blvd. Nashville, TN 37131 (615) 898-6000 (855) 259-8568 FAX: (888) 620-5211 TENCO SERVICES, INC. Corporate Office: 783 Old Hickory Blvd Brentwood, TN 37027 (615) 292-0098 FAX: (615) 297-4891 [email protected] [email protected] *****

1945 Scottsville Road B-2 Bowling Green, KY 42104 (270) 842-3222 FAX: (270) 842-3205 ***** 10001 Taylorsville Road, Suite 200 Louisville, KY 40299 (502) 267-1259 FAX: (502) 267-4535 ***** 3027 Dixie Highway, Suite 117 Edgewood, KY 41017 (859) 426-9100 FAX: (859) 426-9101 ***** 244 East Center St. Suite 1 Kingsport, TN 30660 (423) 246-2496 FAX: (423) 246-9612 ***** 3501 Dayton Blvd Chatanooga, TN 37415 (423) 875-5522 FAX: (423) 875-5535 ***** 2796 C N. Highland Road Jackson, TN 38305 (731) 668-4639 FAX: (731) 664-6960TRAVELERS INSURANCE COMPANY 303 Hurstbourne Pkwy, Suite 150 Louisville, KY 40222 (502) 429-7000 FAX: (502) 429-7388UNDERWRITERS SAFETY & CLAIMS PO Box 23790 1700 East Point Pkway Louisville, KY 40223 (502) 244-1343 FAX: (502) 244-1411

UNIVERSITY OF KENTUCKY RISK MANAGEMENTPeterson Service Building, Room 306 Lexington, KY 40506-0005 (859) 257-3708 FAX: (859) 257-1050 ***** UK Workers’ Care (800) 440-6285 USAA PO Box 33490 San Antonio, TX 78265 (800) 531-8222 VERICLAIM, INC.3070 Lakecrest Circle, Suite 400 #123 Lexington, KY 40513 (859) 489-0832 FAX: (859) 406-1156 ***** 9300 Shelbyville Road, Suite 604 Louisville, KY 40222 (502) 454-7078 FAX: (502) 454-7079 ***** 1789 North Main Street, Suite 4 London, KY 40741 (606) 401-2940 FAX: (606) 878-6607 ***** 4145 North Mayo Trail, #125 Pikeville, KY 41501 (606) 205-7119 FAX: (606) 766-0788 ***** 3520 New Hartford Road, Suite 108 Owensboro, KY 42303 (270) 297-9901 FAX: (270) 574-6620

***** 3240 Lone Oak Rd. #173 Paducah, KY 42003 (270) 205-6900 (270) 477-2778WELLS FARGO INSURANCE SERVICES USA, INC. 220 Lexington Green Circle, Suite 410 Lexington, KY 40503 (859) 273-6600 FAX: (859) 273-5998 WESTFIELD INSURANCE 6060 Dutchmans Lane, Suite 400 Louisville, KY 40205 800-243-0210 (800) 757-9245 FAX: (877) 423-6881 ***** 1700 Patrick Way, Suite A Bowling Green, KY 42104 (270) 781-5583 (800) 633-9051 FAX: (270) 782-0370 ZURICH NORTH AMERICA 1400 American Lane Tower 2, 5th Floor Schaumburg, IL 60196-1056 (800) 987-3373 (877) 962-2567 Claims Mail: PO Box 968017 Schaumburg, IL 60196

NOTES

ATLAS CONTRACTING Members ROOFING—WINDOWS/DOORS—SIDING Alphabetically REPLACING YOUR OLD ROOF CAN SAVE YOU MONEY IN THE FUTURE BY PREVENTING MOLD AND WATER DAMAGE. Why Choose Atlas… ▪ Best Dollar Value▪ Professional Storm Damage Information & Claim Filing ▪ Inspections & Estimates ▪ Licensed & Insured ▪ Remodels & New ConstructionMAKE YOUR HOME LOOK NEW! REPLACE YOUR ROOF TODAY! 859.402.5211 | ATLASROOFINGKY.COM LOCALLY OWNED AND OPERATED FINANCING AVAILABLE | MAJOR CREDIT CARDS ACCEPTED WORKS WITH ALL MAJOR INSURANCE COMPANIES

Members BRIDGET L. DUNAWAY, CPCU Alphabetically SCOTT M. WEBSTER MASON H. PROFFITT · INSURANCE AND CORPORATE DEFENSE · AUTOMOBILE AND TRUCKING LIABILITY · INSURANCE LAW AND INSURANCE COVERAGE · CIVIL RIGHTS AND GOVERNMENTAL LIABILITY · FRAUD AND SUSPICIOUS CLAIMS/EUO’S · PREMISES LIABILITY COVERING SOUTHERN, SOUTHEASTERN, AND CENTRAL KENTUCKY 606-864-4145 WWW.TOOMSDUNAWAY.COM THIS IS AN ADVERTISEMENT

Members ListKevin Ahlgrim Matrix Investigation Group 859-351-4685 Safelite AutoGlass 859-509-2157Helen Allen Jack Ward Fire Consultants 513-827-8980 Custard Insurance Adjusters 859-327-0975Tom Angst 859-619-1423 Grange Insurance 859-576-8225Nancy Avery Grange Insurance 614-593-7375 Underwriters Safety & Claims 502-489-6206Karen Bailey Texas Roadhouse 502-291-3599 WMR Defense 859-219-9090Erica Barnes FRSTeam by Milto Cleaners 513-462-7449 Erie Insurance 859-219-4900Justin Bell Electronic Restoration Services 502-876-9006 Collins and Company 502-863-4177Tina Bell Matrix Investigation Group 859-582-3667 Crawford & Co 859-221-6239Lisa Blevins Tony Huff & Associates 859-321-4541 A.I.N., Inc. 502-254-9246Katie Bouvier Enterprise Rent-a-Car 502-479-4833 Craig Adjustment Company 859-797-8982Kena Broomall Truth Consulting 859-940-3466 Kentucky Farm Bureau 859-684-2095Gina Broughton Argus Engineering Inc 859-971-2800 BHN Managed Care Services 502-648-1034Julie Bryan Erie Insurance 270-570-4642 EFI Global 859-885-1518Susan Bullard Furniture Medic 859-272-4000 Kopka Pinkus Dolin 859-368-8999Jim Buscher Dotson & Associates 859-333-5422 CRDN Nuyale 502-376-9246Helena Carpenter Kentucky Farm Bureau 859-624-0487 Pro4mance 859-940-4671Richard Cheeks Pro4mance 859-533-2671 270-403-0410Denis Clement Green Chestnut & Hughes PLLC 586-215-8662 859-475-1471Brandee Couvillion InfoQuest 859-351-4073Brad Craig Green Chestnut & Hughes PLLCRobert CrawleyDenise CreceliusPeter CurlessKaren DahlemRussell DesmaraisKate DicksBob DicksonJordan DongellJohn DotsonDon EddsSusan EnerlichApryl FowlerRoland FowlerJacqueline GravesMelissa GreenRonald GreenJim Hays

Christi Hillenmeyer Cincinnati Insurance Company 859-533-4694MonikaMelissa Hole Shryock Div/Mann Sutton McGee 859-873-3265Wayne HowardTony Hubbard CRDN NuYale 859-983-5041James HuffHank Inman 606-260-2829James JonesMeredith Kanavy Tony Huff & Associates 270-686-8525William KoontzMargie Lilly Green Chestnut & Hughes PLLC 859-303-4517Patricia LowryDaniel Lucas Sturgill Turner 859-255-8581Zach MackChris Magoto Phoenix Fire 859-983-8548Linda MasonBrooke McCarty Deloitte 859-338-3236Terry McNeilMike McVey Phoenix Fire 859-229-5532David Mefford Meisner Smith Manus 859-273-6245CarrieJoseph Miller Johnson Pohlmann Insurance 859-319-6153Michael MillerMelissa Mills Reinhardt & Associates 859-277-7100Scott MooreTeresa Moore Colonial Claims 614-226-8469Lisa MorelandCaroline Morrison CRDN Nuyale Dry Cleaners 859-983-5041Gina MortonLaura Mulvany Alliance Coal 859-277-0047Ndeto MurphyBrittany Mwose Grange Insurance 614-593-7367Dale NewsomeDavid Nicholson McVey and Associates 859-227-5906Denise NobleCharles Norton A-One Fabric Restroation 513-616-4468William Norton Noyes Metro Adjusting Service/Ameri- 859-491-6333 Claim Housing Headquarters 937-901-0566 859-805-0872 Liberty Mutual Insurance 859-219-3824 EFI Global 859-241-5078 NEFCO Fire Investigation 419-509-8519 State Auto Insurance 502-682-1271 Kentucky Farm Bureau 859-254-8074 ServiceMaster Fire & Water 859-490-0996 Servpro of Lexington 859-300-4846 Furniture Medic 859-227-5026 Arcadian Settlements Group 317-735-8700 Paul Davis Restoration 859-885-7653 American Structurepoint, Inc. 859-221-7402 Walters Richardson PLLC 859-619-2067 CTA, Inc. 859-948-7488 CTA, Inc. 859-229-3273 Noyes Engineering 859-553-6385

Phil Ogden Paul Davis Restoration 859-885-7653Candace Padgett Safe Auto Insurance 859-653-0547 869-200-1316Mike Parsons Servpro MRGL 859-398-0802 859-317-1323Brent Pergrem Slate Creek Contracting 502-451-9401 859-263-2625Mark Pflueger Kentucky Farm Bureau 859-277-7100 614-593-7380Robert Preston Custard Insurance Adjusters 859-447-2889 859-219-9090Jeff Rase New Life DKI 606-877-2160Craig Reinhardt Reinhardt & Associates 502-544-4702 606-877-2160Leslie Reno Grange Insurance 859-582-8301John Rich ServiceMaster Fire & Water 859-259-3403 859-327-2900Melissa Richardson Walters Richardson PLLC 800-837-0801 502-863-4177Julie Roberts Servpro of Pulaski & Laurel 630-709-3508 Counties 217-415-8088 614-593-7379Ted Roberts Art Recovery Technologies 615-887-2110 606-928-0399Tony Roberts Servpro of Pulaski & Laurel 502-495-5000 Counties 502-868-6880 859-230-8170Beverly Rohrer Erie Insurance 859-213-1748 502-423-3039Jim Roller Hisle & Company 859-236-5922 615-961-2661David Rose PDA Lexington 513-345-5500 606-528-2450Mike Rossi Grange Insurance 513-530-0080 859-948-8993Linda Scherr Collins and Company 859-402-5211Laura Scott Auto Owners InsuranceRyan Scott Auto Owners InsuranceGary Shaeffer Grange InsuranceDon Smallwood State Auto InsuranceDavid Smith Smith Adjusting Inc.Weston Smoot Kentucky Farm BureauJim Stephens FireTech Forensics & AnalysisJacqueline Terrell Kentucky Farm BureauMike Thompson EFI GlobalJulia Tilford EMCShelly Tillett Johnson Pohlmann InsuranceHarrison Tisdal Crawford & CoPatricia Trombetta Bonezzi Switzer Polito & HuppDarren Tuggle McIntyre Gilligan & MundtRobert Vaccari Johnson Cambra & SherwoodEric VanSchoyck Atlas ContractingTonya Van Schoyck Atlas Contracting

Travis Voglesong Grange Insurance 859-537-5406 859-219-9090Chad Wadlington Walters Richardson PLLC 859-608-5540 859-202-0837Steve Weddington Donan 859-619-4319 859-421-4657Adam Weintraut Crawford & Co 270-779-3227 859-255-8581Chris Welch RMSCAnn Westmeyer RetiredLandon White Enterprise Rent-a-CarLangdon Worley Sturgill Turner

BGCA Member PhotosAllen, Helen Angst, Tom Avery, NancyBailey, Karen Barnes, Erica Buvier, KatieBroughton, Gina Bryan, Julie Bullard, SusanBuscher, Jim Carpenter, Helena Cheeks, Richard

BGCA Member Photos, continuedCouvillion, Brandee Cawley, Robert Crecelius, DeniseCurless, Peter Dahlem, Karen Desmarais, RussellDickson, Bob Dongell, Jordan Dotson, JohnDunaway, Bridget Edds, Don Fowler, Apryl

BGCA Member Photos, continuedFowler, Roland Graves, Jacqueline Green, MelissaGreen, Ronald Hays, Jim Hillenmeyer, ChristiHole, Monika Howard, Melissa Hubbard, WayneLucas, Patricia Mack, Daniel Magoto, Zach

BGCA Member Photos, continuedMason, Chris McCarty, Linda McVey, TerryMefford, Mike Miller, Carrie Moore, MelissaMoore, Scott Moreland, Theresa Morton, CarolineMurphy, Laura Newsome, Brittany Nicholson, Dale

BGCA Member Photos, continuedNoble, Dave Norton, Charles Norton, DeniseNoyes, William Pflueger, Mark Preston, RobertRase, Jeff Reinhardt, Craig Reno, LeslieRichardson, Melissa Rossi, Mike Scott, Laura

BGCA Member Photos, continuedScott, Ryan Shaeffer, Gary Smith, DavidStephens, James Terrell, Jacqueline Thise, DakotaTilford, Julie Tillett, Shelley Trombetta, PatriciaVaccari, Robert VanSchoyck, Eric Vogelsong, Travia

BGCA Member Photos, continuedWeintraut, Adam Westmeyer, Ann White, LandonThis section does not include photos of all members- see membership list for complete roster.

Kentucky Office of Insurance (502) 564-3630 (800) 595-6053Commissioner Nancy G. Adkins (502) 564-6026Deputy Commissioner Patrick O’Connor (502) 564-6026 DivisionsAgent Licensing (502) 564-6004 (502) 564-6034Consumer Protection (502) 564-6088 (502) 573-1026Health & Life (502) 564-6046 (502) 564-6082Kentucky Access (502) 564-3630 (502) 564-1461Property/Casualty (502) 564-6154 (502) 564-6154Financial Standards (502) 564-1936 (502) 564-6098Legal Fraud Administrative Services Information Technology Market Conduct Communications Attorneys AdvertisersOffice of Legal Services (502) 564-3630 (A thru Z) General Counsel Michael R. Wilson Service Index Enforcement OfficersConsumer Protection (502) 564-6034 Director Josh Rayborn

Advertisers (A thru Z)Service Index

Alphabetical Index A-EA-One Fabric Restoration...................................A-E Tab FrontA.I.N., Inc................................................................................1American Structurepoint, Inc..................................................2Argus Engineering, Inc...........................................................3Atlas Contracting.......................................Members Tab FrontBHN Bluegrass Health Network.............................................4Bonezzi Switzer Polito & Hupp Co, LPA.................................5CRDN.................................................................... Back CoverCraig Adjustment Company....................................................6Dotson & Associates..............................................................7EFI Global.......................................................... A-E Tab BackEnterprise ..............................................................................8 F-JFurniture Medic....................................................................12Green Chesnut & Hughes PLLC..........................................13Hisle & Co.......................................................... F-J Tab FrontHousing Headquarters.........................................................14Ingardus...............................................................................15J Cummins Professional Properties.....................................16Jay Construction & Restoration...........................F-J Tab Back K-OLandrum & Shouse, LLP................................... K-O Tab FrontLexington Blue....................................................K-O Tab BackMarshall General Contractor, Inc..........................................19Matrix Investigation Group.......Adv. A-Z Svc. Index Tab BackMazanec, Raskin & Ryder Co., LPA.....................................20McCloud Claims Service............................ Inside Front CoverNEFCO Fire Investigation....................................................21