2018 BGCA Directory

2018 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

BLUAESGSROACSIAS TCILOANIMS 2018 Officers President – Teresa MorelandVice President – Jacqueline Terrell Secretary – Nancy Avery Treasurer – Apryl Fowler 2018 Directory Credits Erica Barnes, Chairperson Justin Bell, Shelby Dotson, Apryl Fowler, Laura MurphyOthers have contributed and their help was much appreciated i

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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 502-682-1271Jacqueline Terrell, Vice Pres 859-230-8170Nancy Avery, Secretary 859-327-0975Apryl Fowler, Treasurer 859-533-2671iii

Past PresidentsRobert Milby Bob JarrellWilliam Winkler Don WhitakerJ. B. Goranflo Eugene WelshRobert Linn Ron ElkinsWarren Breeding Steve WestmeyerSylvester Nash Wayne CroweFrank Aubrey Al WhitakerHays Page Ann WestmeyerCharles Columbus Jackie ReindlKen Williams Anthony SwigerSit Sutphin Dan McCloudLuther Hundley C. David StotzMarty Van Hoose Carol Stra�onJack Brophy Patricia O’NeillJack Nelson Bob BaldwinMalcom Mason Mark PfluegerJerry Parker Erica BarnesWilliam Hinkle Rich DerryNorris Flynn Erica BarnesJim Kammerer Bob TaylorTony Tennerino John DotsonJack Wharton Cheryl DenneyMike Sheatler Cheryl DenneyCharles Locker Iva HarmonDon Whitaker Cheryl DenneyEdward Bell Helena CarpenterRoy Adams Helena CarpenterLarry Clevinger Erica BarnesJim McDuffie Chris� HillenmeyerDave Brown Chris� HillenmeyerHarry Lane Chris� HillenmeyerSue Hoerter Bob Dickson Teresa Moreland iv

RETIRED MEMBERSHelen Allen L.D. Parks236 Fairway West 233 Larch LaneNicholasville, KY 40356 Lexington, KY 40505Tom Belt Miles Pope395 Redding Road #142 2617 Clubside CourtLexington, KY 40517 Lexington, KY 40513Jack Bruner C. David StotzPO Box 10-43 196 Manitoba LaneLondon, KY 40741 Lexington, KY 40515Carolyn Childers Hershel Taylor500 Lake Tower #20 200 Thoroughbred LaneLexington, KY 40502 Lexington, KY 40514Charles Locker Ann Westmeyer AIC, SCLA, CPIW12483 Grainery Lane 2121 Hume RoadHuntley, IL 60142 Lexington, KY 40516Tom Malone Jack Whitaker3501 Onyx Court 779 Nancy StreetLexington, KY 40503 Versailles, KY 40383 v

PPUUBBLLIICC PPRROOTTEECCTTIIOONN CCAABBIINNEETTSteven L. Beshear Department of Insurance Robert D. VanceStevGenovLe.rnBoershear ADgeepnatrtLmiceenntsoifnIgnsDuivraisniocen RobSeertcrDe.taVraynceGovernor 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. 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liiscerneqseu.irTedhopseerincodmivipdluiaanlcsearpeercioonds,idanerdedthreeKentuckyUWdKhWaoneyibuhnlsrrletisudnpIlcmerbkidsoyueShrsprnotteiuoorbsittlie.tdicdhfoieienemInidratsbcbceaooygnmuidDnrpsOaleitraIacen?okcrnieenLcqdgeiucunieeKrtnreadsedteaniteottoesun.ccwooAkfimylels-ptebahlcepyiocpmwnsr.diaotihvelemecddoanailcntiorniennumtiiitniningaudleiecndroguanclteaeindrtituuoiicnsna.gsteieondntuoccnaottiuhorensfe/isrl?sict ednAaRsyneesEorifqeduntehaenelwtOlaiiplcnpednoneortsptueienfeniit’cydsaeEtbnimoitrnpthaloanmytdelorepnaMust/htFb,4/lDii5cf caodnjutisnteurisngmeadyubceagtiionntaknidngliceonnsteinrueinegweadluacraetinoontcyoeutrcseosmopnleoter.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. 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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

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is an Adjusting, Consulting and ExpertServices Company that works for insurance companies, law firmsand self-insureds throughout KY, Southern IN, Southern OH, NorthCentral TN, and parts of Western WV and VA. We provide a wide array of property and casualty claims handlingservices. Servicing our territory from 4 Kentucky locations:Richmond • Corbin • Elizabethtown • Van LearServices AvailableAdjuster Training Limited Assignments AdvertisersAppraisals – Agricultural, Auto, Heavy Mediations (A thru Z) Moving & Storage Inspections Equipment, Recreational Vehicles, Pre & Post Blasting Inspections Product Service Index Trucks & Trailers and LiabilityWatercraft Recorded StatementsAppraisals – Property - Commercial, Records Search Mobile Homes, Residential Re-InspectionsAppraisal Clause – Qualified Appraisers Scene Inspections & Umpires Self-InsuredsBusiness Interruption Settlement ConferencesCargo & Container Inspections Special Investigations (SIU) SubrogationCatastrophic Events – CAT Team Temporary StaffingConsulting Transportation & Trucking ClaimsContractor’s Liability Underwriting InspectionsDaily Claims – Property & Casualty Witness LocationDesk AuditsDrone InspectionsErrors & OmissionsEvidence PreservationExcess & Surplus LinesExpert WitnessForeclosure InspectionsFull AdjustmentsInland MarineLarge Losswww.kentuckyclaimsadjusters.com PO Box 417 • Richmond, KY 40476Phone: (859) 333-5422 • Email: [email protected]

Advertisers (A thru Z)Service Index

Alphabetical Index A-EA-One Fabric Restoration.......................................................3A.I.N., Inc................................................................................1American Structurepoint, Inc..................................................2Americlaim/Metro Adjusting Service, Inc. ............................24Argus Engineering, Inc...........................................................4Atlas Contracting.......................................Members Tab FrontBHN Bluegrass Health Network.............................................5Bonezzi Switzer Polito & Hupp Co, LPA.................................6CRDN.................................................................... Back CoverCraig Adjustment Company....................................................7Donan.....................................................................................8Dotson & Associates............... Adv. A-Z Svc. Index Tab FrontEFI Global..............................................................................9Enterprise ............................................................................10 F-JFiretech Forensics & Analysis............Insurance Co. Tab BackFurniture Medic....................................................................14Green Chesnut & Hughes PLLC..........................................15Hisle & Co.......................................................... F-J Tab FrontHousing Headquarters.........................................................16J Cummins Professional Properties.....................................17Jay Construction & Restoration...........................F-J Tab BackJohnson, Cambra & Sherwood, Inc. ....................................18 K-OLandrum & Shouse, LLP................................... K-O Tab FrontMarshall General Contractor, Inc..........................................21Matrix Investigation Group.......Adv. A-Z Svc. Index Tab BackMazanec, Raskin & Ryder Co., LPA.....................................22McCloud Claims Service............................ Inside Front CoverMcIntyre, Gilligan & Mundt, Inc............................................23

K-O ContinuedNEFCO Fire Investigation..................................K-O Tab Back P-SPaul Davis Restoration.......................................P-S Tab FrontPhoenix Fire Analysis & Consultants....................................26Pro4mance Fire & Water Restoration...................................27Reinhardt & Associates, PLC...................... Constitution FrontRimkus Consulting Group, Inc..............................................28Ringler..................................................................................29Servicemaster Fire & Water.................................................31Servpro Boone/Kenton.........................................................30Servpro Anderson/Franklin/Scott........................ P-S Tab BackServpro Lexington.............................................. P-S Tab BackServpro Pulaski/Laurel...................... Insurance Co. Tab FrontServpro Madison/Rockcastle/Garrard/ Lincoln.......................................... Insurance Co. Tab FrontServpro Pike/Floyd/Knott................... Insurance Co. Tab FrontServpro Versailles/Nicholasville/Danville............ P-S Tab BackServpro Bourbon/Clark/Harrison/Montgomery... P-S Tab BackSlate Creek Contracting..............................Cat. A-Z Tab BackSmith Adjusting Inc...............................................................30Smith, Rolfes, & Skavdahl Co LPA.......................................32Sturgill Turner Barker & Moloney.................Constitution Back T-ZTaylor, Keller & Oswald, PLLC.............................................41Tooms, Dunaway & Webster..................... Members Tab BackTruePoint Investigations, LLC..............................................42Ward, Hocker & Thornton, PLLC..........................................42Walters, Meadows, Richardson, PLLC.................................43

MEDICAL TERMINOLOGY GUIDE TERM TYPE MEANINGA/An Prefix Negative conditionAden Root Algesia Root GlandAlgia Suffix Arth/arthr Prefix Sensitivity to painAsthenia Root Card/cardio Root PainCephal Root Chondri/chondro Root JointCost Root Crani Root WeaknessDerma/dermis Root Dynia Suffix HeartEctomy Suffix Emia Suffix HeadEn Prefix Encephal Root CartilageEpi Prefix Esthesia Root RibGaster/gastero/gastro Root Hemat/hemato Root SkullHepat/hepato Root Hidrosis Root SkinHyper Prefix Hypo Prefix PainInter Prefix Intra Prefix Surgical removalItis Suffix Myel/myelo Root Presence of bloodMyo Root Neur/neuro Root InOlisthesis Suffix Oma Suffix BrainOsis Suffix Osteo/osteo Root On or uponOt/oto Root Otomy Suffix Sensation, feelingPara Prefix Peri Prefix StomachPlasty Suffix Rrhage/rrhagia Suffix BloodSclerosis Root Spondyl Root LiverSub Prefix Supra Prefix SweatingTension Root Thermia Suffix Above normal, excessive, highTrophy Suffix Uria Suffix Less than normal, below, under Within Within Inflammation Bone marrow Muscle Nerve Slipping Tumor Condition or disease Bone Ear Surgical incision Alongside, near Around Form or reform Discharge of substance other than blood Hardening of part of the body Vertebra Under Over, above Categorical A thru Z Pressure Heat or fever Nourishment, growth, generation Urine

Categorical A Full Service Restoration A thru Z and Remodeling Company serving Central and Eastern Kentucky since 2007 24HR EMERGENCY SERVICES FOR Emergency Number: 859-398-0802 Office Location: 67 Donotech Drive, Owingsville, KY 40360 Mailing Address: 1787 Peeled Oak Road, Owingsville, KY40360 Office phone: 606-674-2297 Office fax: 606-674-8090 [email protected] w w w. S l a t e C r e e k C o n t r a c t i n g S e rv i c e s . c o m

Categorical Index AccountantsHisle & Co. ........................................................ F-J Tab FrontJohnson, Cambra & Sherwood, Inc. ....................................18 Appraisal & Claims ServicesA.I.N., Inc. ..............................................................................1AmeriClaim/Metro Adjusting Service, Inc. ...........................24Craig Adjustment Company....................................................7Dotson & Associates................ Adv. A-Z Svc. Index Tab FrontMcCloud Claims Service............................ Inside Front CoverMcIntyre, Gilligan & Mundt, Inc. ..........................................23Smith Adjusting, Inc. ............................................................30 AttorneysBonezzi Switzer Polito & Hupp Co, LPA ................................6Green Chestnut & Hughes, PLLC........................................15Landrum & Shouse, LLP................................... K-O Tab FrontMazanec, Raskin & Ryder Co., LPA.....................................22Reinhardt & Associates PLC....................... Constitution FrontSmith, Rolfes, & Skavdahl Co LPA.......................................32Sturgill Turner Barker & Moloney.................Constitution BackTaylor, Keller & Oswald, PLLC.............................................41Tooms, Dunaway & Webster..................... Members Tab BackWard, Hocker & Thornton, PLLC..........................................42Walters, Meadows, Richardson, PLLC.................................43

Car RentalEnterprise ............................................................................10 Cleaning and RestorationA-One Fabric Restoration.......................................................3CRDN.................................................................... Back CoverFurniture Medic....................................................................14Paul Davis Restoration.......................................P-S Tab FrontPro4mance Fire & Water Restoration...................................27Servicemaster Fire & Water.................................................31Servpro Boone/Kenton.........................................................30Servpro PL/MRGL/PFK..................... Insurance Co. Tab FrontServpro Lex/AFS/VND/BCHM............................ P-S Tab Back EngineersAmerican Structurepoint, Inc. ................................................2Argus Engineering, Inc. .........................................................4Donan.....................................................................................8EFI Global..............................................................................9Rimkus Consulting Group, Inc. ............................................28 General ContractorsAtlas Contracting.......................................Members Tab FrontJ Cummins Professional Properties.....................................17Jay Construction & Restoration...........................F-J Tab BackMarshall General Contractor, Inc. ........................................21Slate Creek Contracting..............................Cat. A-Z Tab Back

Investigative ServicesFiretech Forensics & Analysis............Insurance Co. Tab BackMatrix Investigation Group..........Adv. A-Z Sv. Index Tab BackTruePoint Investigations, LLC..............................................42NEFCO Fire Investigation..................................K-O Tab BackPhoenix Fire Analysis & Consultants....................................26 Medical Cost ContainmentBHN Bluegrass Health Network.............................................5 Relocation ServicesHousing Headquarters.........................................................16 Structured SettlementsRingler..................................................................................29 General InformationAdjuster’s Licensing Requirement......................................... viBGCA Officers/Directory Credits.............................................iBGCA History......................................................................... iiBGCA Meeting/Contact Information...................................... iiiCalendar............................................................. T-Z Tab FrontDental Charts.......................................................................31Early Signs of a Heart Attack..................................................2Frequently Called Phone Numbers.....................T-Z Tab Back

General Information, continuedFurniture Terms Glossary................................................11-14Hospital Confinement Table..................................................19Important Telephone Numbers & Addresses..........................6Indicators of Casualty Fraud................................................24Kentucky Claims Association......................Inside Back CoverKentucky Counties Map.......................................................46Kentucky Office of Insurance..............................A-E Tab FrontLumber Conversion Table.....................................................45Medical Terminology Guide......................Cat. (A-Z) Tab FrontNotes...................................................... 20, 25, A-E Tab BackPast Presidents..................................................................... ivPresident’s Message............................................................. viPolice Report Guide................................ Police/Hospital TabsRetired Members....................................................................vRoof Components................................................................10Roof Shapes...........................................................................7Skeletal System Diagram.....................................................44Spinal Column Diagram.......................................................33Theories of Defense in Tort Law...........................................34Unfair Claims Settlement Practices Statute.........................35Unfair Claims Settlement Practices Regulations.............36-40Weights and Measures Table.................................................5

Constitution Attorneys At Law R. Craig Reinhardt [email protected] Katherine J. Hornback [email protected] Daniel C. Mack [email protected] Neal J. Manor [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 in 2016 by our peers

ConstitutionHank Jones Langdon Worley Scott Miller Jamie Dittert Doug Stephan Stan LeeWith 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 download our assessment of the ALI Restatement of the Law onLiability Insurance, and how it will impact the insurance industry.Learn more about our Insurance Defense Team at STURGILLTURNER.LAW.WE’VE DONE THIS BEFORE♦

CONSTITUTION BLUEGRASS CLAIMS ASSOCIATION ARTICLE I NAMESECTION 1. The name of the Association shall be the BluegrassClaims Association, Inc. ARTICLE II OBJECTIVESSECTION 1. To insure through cooperation of its members suchadministration of claims and losses as will result in prompt and justsettlement of meritorious claims.SECTION 2. To promote plans for cooperation in vigorously resistingcollusion, deception and false or fraudulent claims and to promptlydiscourage and expose dishonest, unscrupulous or unethicalpractices.SECTION 3. To promote education and professionalism in theinsurance industry and to promote adherence to the Association’sCode of Ethics. ARTICLE III MEMBERSHIPSECTION 1. Eligibility. Any person primarily employed in theinsurance field whose principal responsibility is the investigation,negotiation and resolution of fire, casualty and/or allied lines claimsfor insurance or self-insured organizations, claims appraisers, andany person who holds an adjuster’s license by the KentuckyDepartment of Insurance, is eligible for membership. Any person whois a member at the time of their retirement will continue to beeligible for membership for life. Questions of eligibility shall beresolved by the Executive Committee.

SECTION 2. The association may award honorary membership tooutstanding members of the community or to others in related fields.The membership shall have no voting privileges. Such award(s) shallbe determined by majority vote of the membership. Honorarymembers will be charged no annual dues.SECTION 3. 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. Who dues are paid no later than December 1 of each year, and C. Who attends at least three (3) regular meetings during the fiscal year of the Association (September meeting through July meeting)SECTION 4. Members in good standing, as defined in Article III,Section 3 shall be eligible to receive awards, scholarships and otherbenefits of the Association.SECTION 5. Any eligible person may be enrolled as a member uponfiling written application with the Secretrary bearingrecommendations by two (2) members. The application will beproposed at a regular meeting at which they are in attendance. Theapplicant will then be voted upon at the next regular meeting,following proposal, at which they are in attendance, with acceptanceor rejection being determined by a majority vote of those memberspresent, subject to Article VI, Section 3.SECTION 6. Any member may be expelled from membership for justand due cause by a two-thirds majority vote of the members presentand voting at a regular meeting following the preceding regularmeeting where it has been announced by the presiding officer that itwas the intention to take such a vote. Just and due cause shall bedetermined by the officers who shall conduct a hearing and offer theoffending member an opportunity to be heard.

SECTION 7. Any member three (3) months in arrears with their duesshall be automatically dropped from membership.SECTION 8. Any person primarily employed in industries related tothe insurance field will be allowed full membership with votingprivileges.SECTION 9. Annual membership dues shall be waived for pastpresidents and retired members of the association who have been amember in good standing for a minimum of five years. ARTICLE IVSECTION 1. The officers of the Association shall be President, Vice-President, Secretary and Treasurer. At least three (3) of theseofficers must be fully licensed adjusters or persons fully engaged inthe investigation, appraisal, handling or negotiation of insuranceclaims. One (1) officer may be any member and all officers must be ingood standing with the Association.SECTION 2. The election of officers shall be conducted at theOctober meeting of the Association. They shall be elected by themajority of votes cast by the members. Notarized absentee ballotswill be accepted until such time as the polls are announced closed bythe election official, subject to Article VI, Section 3.SECTION 3. Each officer shall take office on the first day of Januaryand shall continue until his elected successor takes office.SECTION 4. In the event the President cannot complete the term ofoffice the Vice-President shall assume the office of President andshall appoint a Vice President to fill the term with the approval of theExecutive Committee. In the event any other officer cannot completetheir term the President shall appoint a person to fill the term withthe approval of the Executive Committee.

SECTION 5. Annual Claims Person of the Year must be a member ingood standing and a fully licensed adjuster or person fully engaged inthe investigation, appraisal, handling or negotiation of insuranceclaims.SECTION 6. Delegates to the Kentucky Claims Association on behalfof the Association must be members in good standing and fullylicensed adjusters or persons fully engaged in the investigation,appraisal, handling or negotiation of insurance claims. ARTICLE VII COMMITTEESSECTION 1. It shall be the duty of the President upon taking office toappoint such committees as are necessary to achieve the objectivesof the Association.SECTION 2. A Parliamentarian may be appointed by the Presidentand his duties will consist of overseeing all conduct and proceduresof all regular monthly meetings, per Roberts’ Rules of Order, NewlyRevised. They shall also serve as the Election Officer. ARTICLE VIII INTERPRETATIONSECTION 1. The interpretation or meaning of any provision of theConstitution shall be determined by the Executive Committee of theAssociation. ARTICLE IX AMENDMENTS TO THE CONSTITUTIONSECTION 1. The Constitution may be amended by a majority vote ofthe members present at the regular meeting following the meetingat which an amendment is proposed subject to Article VI, Section 3.

SECTION 2. This revision of the 1993 Constitution is herebyapproved and adopted by a majority of the membership present atthe November 16, 1995 meeting, it having been ascertained andrecorded in the minutes of the Secretary that a quorum was inattendance.SECTION 3. This revision of the 1995 Constitution is herebyapproved and adopted by a majority of the membership present atthe April 18, 1996 meeting, it having been ascertained and recordedin the minutes of the Secretary that a quorum was in attendance.SECTION 4. This revision of the 1996 Constitution is herebyapproved and adopted by a majority of the membership present atthe April 16, 1999 meeting, it having been ascertained and recordedin the minutes of the Secretary that a quorum was in attendance.SECTION 5. This revision of the 2010 Constitution is herebyapproved and adopted by a majority of the membership present atthe September 15, 2011 meeting, it having been ascertained andrecorded in the minutes of the Secretary that a quorum was inattendance.

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 140 Greenwing Ct., Georgetown, KY 40324 Companies Voice 502-868-6880 Fax 800-853-5409 [email protected] FIRETECH FORENSICS & ANALYSIS is owned and operated by Jim Stephens who since 1977 has worked providing expert fire and explosion investigation services commencing with the Kentucky State Police where he served for a decade, the last position he held being Senior Arson Investigation Detective. Mr. Stephens is certified by the International Association of Arson Investigators, Licensed by the State of Kentucky as a fire investigator and qualified as an expert in the field of fire and explosion investigation in Kentucky State and U.S. Federal Courts. His extensive professional training and experience enables him to provide clients a truly expert forensic service in determining the origin and cause of fires and explosions. Commercial Explosions Residential Electrical Motor Vehicles Lightning Marine Vessels Product Failure Analysis Industrial Equipment Workmanship Subrogation Case Review & Consulting To review a selection of cases we’ve investigated please visit WWW.FIRETECHFORENSICS.COM

A.I.N., INC. PO Box 436806 Louisville, KY 40253-6806 (502) 254-9246 FAX: (502) 254-1185 Denis R. Clement, G. A. ALLIANCE RESOURCES PARTNERS 1146 Monarch Street Lexington, KY 40513 (859) 224-7200 FAX: (859) 224-7201 Janie Blevins - Denise Bishop Tracy Crawford - Linda McCarty – Cassie Miller ALLSTATE INSURANCE COMPANIES 9931 Corporate Campus Drive, Suite 2000 Louisville, KY 40223 (800) 669-3084 FAX: (866) 430-5917 ALFA INSURANCE COMPANIES 210 Westwood Place Brentwood, TN 37027 (877) 384-7466 FAX: (615) 661-4838 ALTERNATIVE SERVICE CONCEPTS, LLC 178 Second Street, Suite 101 PO Box 2258 Pikeville, KY 41502 (606) 437-4008 FAX: (606) 432-1230 David R. Cook, Claims ManagerWilliam G. Bevins – Debbie Phillips – Mary Stephens

AMERICAN MINING INSURANCE COMPANY PO Box 910928 Lexington, KY 40591-0928 859-971-1955 Genevieve Stanley – Sean Wooldridge 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 Thomas Campbell – Claims Manager Kayla Shaver – PIP Supervisor John Carpenter – Amy Cox - Paul Gray – Terry HaleSarah Lickliter - Allen Parker - Laura Scott – Ryan Scott Andrea Stapleton – Evan Trauth - Kendon Troyer CINCINNATI INSURANCE COMPANY PO Box 145496 Cincinnati, OH 45250 (513) 870-2000 Christi Hillenmeyer, Manager Lexington Seth Burke Eric Haming Josh Hemm Mary Alice Hounshell Rob Pearman Elizabethtown Jeff Horn Chris Lay Bowling Green Becky Clack Louisville Jeff Sansbury

COLLINS AND COMPANY 311 Townepark Circle, Suite 100 Louisville, KY 40243 (502) 863-4177 FAX: (502) 423-9715 Sherman Cothran, ManagerBryan Bault - Susan Bullard – Linda Scherr – Sandi Self ***** 516 South 6th Street Mayfield, KY 42066 (270) 251-0974 FAX: (270) 251-0956 Janie Brosze – Jim Daugherty ***** Prestonsburg, KY (866) 545-7800 FAX: (866) 545-7801 [email protected] COX & ASSOCIATES 725 National Ave. Lexington, KY 40502 (859) 252-2291 FAX: (859) 252-2175 Doug Cox

CRAWFORD & COMPANY South Central District 117 Seaboard Lane, Suite F-200 Franklin, TN 37067 615-221-5900 FAX: (615) 221-0044 [email protected] Don Payne, District Manager Jeff E. McCann, Team Manager Lexington 841 Corporate Dr. Lexington, KY 40503Helena Carpenter –Lisa Quisenberry -Adam Weintraut ***** Louisville 1941 Bishop Lane Louisville, KY 40218 Andy Champion – Eric Cottner - Nick Duett David Duchane-Nilsa Arroyo ***** Bowling Green / Scottsville 410 E. 10th St. Bowling Green, KY 42101 Richard Gothard ***** Paducah 4306 Buckner Lane Paducah, KY 42001 Andy Champion CUNNINGHAM LINDSEY (502) 423-7660 FAX: (502) 515-1755 Carrie Albertson, VP

DOTSON & ASSOCIATES, LLC P.O. Box 417 Richmond, KY 40476 (859) 333-5422 [email protected] www.kentuckyclaimsadjusters.com John Dotson, Claims Manager Leah Dotson, Office Manager Shelby Dotson, Adjuster EMC-HAMILTON MUTUAL INSURANCE COMPANIES 11311 Cornell Park Drive Blue Ash, OH 45242 (800) 732-5595 Website: www.emcinsurance.com Julia Tilford (502) 423-3839 [email protected] ***** Mark Herrick (859) 781-4549 [email protected] EMPLOYERS RISK SERVICES PO Box 628 Bowling Green, KY 42102-0628 (270) 782-7678 (800) 378-2540 FAX: (270) 782-7654Leigh Anne Massey, Claims Manager Stephanie Ogles – Karen Portugues

ERIE INSURANCE 1146 Monarch St. #140 Lexington, KY 40513 (859) 219-4900 (877) 589-3743 www.erieinsurance.com Heather McMahon Vice President and Claim Manager Brad Robinson, Material Damage Supervisor Beverly Rohrer, Claims SupervisorGina Broughton – Jessie Brumfield – Patrice Coffey – Mahlon Cowan Jason Day – Becky Dean – Russell Desmarais Mike Fields – Cathy Fritz – Christy Jayne – Alex Mueller Alexi Reynolds – Travis Rosenbalm – Whitney Tipton 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] Daniel E. Sanner ***** LONDON 360 Spring St. London, KY 40741 (606) 877-1240 FAX: (866) 967-4659 [email protected] John Grundy ***** MOREHEAD 116 Flemingsburg Rd. Morehead, KY 40383 (606) 783-1292 FAX: (606) 783-0157 [email protected] Bill Bolen ***** PADUCAH PO Box 554 Carterville, IL 62918 (866) 485-1457 FAX: (866) 997-3696 [email protected] James C. Spurlock ***** ELIZABETHTOWN PO Box 1296 Campbellsville, KY 42718 (270) 692-9833 FAX: (270) 692-0015 [email protected] John Grundy

GEICO 1 Geico Center Macon, GA 31296 (800) 841-9160 ext 5272 Cheryl Gowder, Regional Supervisor GRANGE MUTUAL CASUALTY INSURANCE COMPANY 1792 Alysheba Way, Suite 300 Lexington, KY 40509 (859) 278-5481 (800) 837-0801 Jeanna Lynch, Regional Manager Michael Bowling, Property Supervisor Michael Rossi, Auto Material Damage Supervisor Millie Snyder, PIP Supervisor Gary Shaeffer, Regional Property Specialist Vicky Walters, Regional Property Specialist Travis Voglesong, Regional AMD Specialist Erica Barnes, Litigation Specialist Kim Odear, Litigation Specialist Steve Heath, SIU Mike Schrecker, SIU Kim Alphin - Justin Bell – Susan Carter - Rosie Coffey Ted Carnahan - Rob Fruth – Deborah Garr – Dale Gifford Meredith Hager – Marilyn Harper - Dalene JonesLisa McIlquham – Brooke McNeil – Brenda Mitchum - Lisa Moore Leslie Reno – Tracy Senovitz – Gary Smith - Cathy Tomlinson Craig Waltrip – Erin Wethington - Justin Wheeler – Jeff Wigand

INDIANA INSURANCE COMPANY PO Box 515097 Los Angeles, CA 90051-5097 (800) 279-7221 FAX: (888) 268-8840 KENTUCKY 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 April Briscoe – Claims Manager KENTUCKY FARM BUREAU INSURANCE COMPANY ALL CLAIMS CORRESPONDENCE: PO Box 20400 Louisville, KY 40250-0400 2401 Merchant Street Lexington, KY 40511 (859) 254-8074 (800) 782-3810 FAX: (859) 254-7216 Amy Hall, District Claims Manager Weston Smoot, Claims SupervisorDavid Byrd – Daryl Carter – Ryan Cooper - Denise Crecelius Jessicca Fletcher - Wiley Hendricks - Jason Mauer Lisa Morrison -Mark Pflueger - Patrick Roberts Brian Settles - Ronda Shackelford – Richard Smith Helen Spears - Spencer Stobaugh - Michele Tatum Jackie Terrell - Wesley Watts

Lexington-Hamburg 1765 Vendor Way Lexington, KY 40509 (859) 624-0487 (877) 496-8286 FAX: (859) 624-2356 Lona Isaac, District Claims Manager Weston Smoot, Claims Supervisor Jordan Cash - Debbie Disponette - Susan Enerlich Tonya Fields - Nathan Goodpaster - Kathy Mansfield Denise Newsome - Billy Patrick - Colin Reddix Kevin Richardson – Donna Richmond - Susan Strachan Phil Thompson - Joe Tipton - Billy Wellinghurst Curtiss Willis -Jason Woods ***** 957 Weaver Road Florence, KY 41042 (859) 525-6170 (800) 538-8653 FAX: (859) 525-6574 (859) 525-0394 Ben Barnes, District Claims Manager Adam Blake – John Bowers - Don BrakeNeil Dillion - Tanner Erpenbeck - Joseph Etris - Cindy Jackson Maribeth Long - Rachel Magee -Chris Morris Michele Reed - Ken Reid - Alex Swoboda Steven Schmidt - Angela Tanner – Sonya Vincent Gordon Walthers *****

1215 West Highway 80 Somerset, KY 42503 (606) 679-4327 (800) 538-8650 FAX: (606) 679-3453 Pat Hansel, District Claims Manager Pat Craig - Arwin Dalton - Phillip Gilliam Julia Holbrook - Joe Lake - Deanna Lee Tammy McVey - Misty Payne –Derek Sexton Wesley Sizemore ***** 51 London Mountain View Dr. London, KY 40741 (606) 864-9303 (877) 819-0141 FAX: (606) 864-5880 Jeff Smith, District Claims ManagerMitch Howard - Fred Anderson – Tommy Buford - Lisa ByrleyAngela Crouch - John Hacker – Josh Hart - Beulah Hayden - Bo Hedrick Shayla Kilburn - Bob Taylor – James Teaney ***** 110 Nancy Cox Drive Campbellsville, KY 42718 (888) 673-8423 FAX: (270) 465-9771 Todd Whittle, District Claims Manager Donna Dooley – Thomas Hall - Lee Holt - Jeremy Mann Barry Mattingly - Martin Murphy – Richard Murrell Daniel Snodgrass – Todd Vaughn *****

506 Sunset Drive Morehead, KY 40351 (606) 784-7536 (800) 538-8649 FAX: (606) 784-8769 Dave Rose, District Claims ManagerScott Collins – Eddie Day - Cindy Hammond – Timothy Hodges Tina Maggard - Gene Manley - Rick Maze - Justin Morehouse Bobby Mullins – Travis Norton - Jordan Small Yovina Stevens - Tony Strode - Melissa Sturgill Ewell Thomas - Vonda Turner - Debra Williams ***** 230 Panbowl Lake Drive Jackson, KY 41339 (606) 666-2476 (800) 538-8647 FAX: (606) 666-4565 Randy King, District Claims Manager Ranae Brashear - Belinda Clemons – Waylon Church - Debbie Fugate Gary Hale - Beth Moore – Adam Roberts Shane Slone - Charlie White - Arnie Williams John Yoder KENTUCKY GROWERS INSURANCE COMPANY PO Box 1810 139 Market Street Lexington, KY 40588-1810 (859) 252-3439 FAX: (859) 252-2200 Bob Ammerman, Claims Manager [email protected] Rus Whalen, Associate Claims Manager [email protected] Phillip Larue - Phil Stevens – Bill Stewart – Chris Sigler

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 Ned Wertz, Director of Claims Patricia Reeves, Sr. Workers’ Comp Claims Adjuster Zilda Henson, WC Claims Manager Hayley Young, Claims Program Administrator KENTUCKY NATIONAL INSURANCE COMPANY 2416 Sir Barton Way Lexington, KY 40555 (859) 367-5200 (800) 617-4307 FAX: (859) 658-0488 Brandon Garretson, Claims Manager Tommy Boles - John Brewer – Alan Faber Teresa Greenwell - Justin Neuhart - Patricia PolleyLEXINGTON FAYETTE URBAN COUNTY GOVERNMENT Department of Law 200 East Main Street, Suite 634 Lexington, KY 40507 (859) 258-3500 FAX: (859) 258-3466 Harold Mattingly, Claims Manager

LIBERTY MUTUAL INSURANCE PO Box 515097 Los Angeles, CA 90051-5097 (800) 225-2467 FAX: (800) 593-3577McCLOUD 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 Fred L. McCloud, Chairman/CFO Susan D. McCloud, President Russell L. McCloud, Vice President Todd Feltner, VP of ClaimsJ. L. Cooper, MD Manager/HE Specialist Barbara Oliver, Supervisor Kevin Lovelace, IT ManagerPhil Downs - Dwayne Eckler Casey Jones Robin Lewis – Tim Pulliam Guy Reed – Jeff Taylor

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 Michael P. Gilligan, President J. G. Mundt, Vice President James A. McIntyre, Chairman Wayne Barnes – Dennis Corley BRANCH OFFICES: PO Box 1019 Bowling Green, KY 42102 (270) 842-6121 FAX: (270) 769-5922 ***** PO Box 129 Elizabethtown, 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 Darren Tuggle ***** PO Box 341 Frankfort, KY 40602-0341 (502) 223-7132 FAX: (502) 226-2056 Chris Monarch ***** PO Box 23537 Lexington, KY 40523-3537 (859) 296-1022 FAX: (859) 296-1027 Mike Gilligan ***** PO Box 21175 Owensboro, KY 42304 (270) 769-5921 FAX: (270) 769-5922 ***** PO Box 60146 Nashville, TN 37206-0146 (502) 582-3744 FAX: (502) 582-3748MET LIFE AUTO & HOME 201 Pittston Ave. Scranton, PA 18505-6040 (800) 854-6011 FAX: (866) 947-0184

AMERICLAIM/METRO ADJUSTING SERVICE INC. 34 West Sixth Street Covington, KY 41011 (800) 685-4567 (859) 491-6333 FAX: (859) 491-2520 Email: [email protected] Email: [email protected] David Meisner NATIONWIDE INSURANCE COMPANY National Claim Number 1-800-421-3535 OHIO CASUALTY INSURANCE COMPANY 9450 Seward Road Fairfield, OH 45014 (800) 225-2467 PROGRESSIVE INSURANCE COMPANY 1792 Alysheba Way, Suite 250 Lexington, KY 40509-2506 (859) 629-4720 FAX: (859) 263-0542 John Esposito, State Manager Jason Miller, Claims Manager Teren Babb - Matt Baker – Michael Buntin - John Evans David Griffitts – Michelle Leach – Carol Most Curtis Whitney – Jeff Wyatt ***** 116 Shiloh Drive #1 London, KY 40741 (606) 260-4130 FAX: (606) 862-1624 Jason Miller, Manager

PROPERTY DAMAGE APPRAISERS PO Box 2117 Lexington, KY 40588 (859) 523-5344 FAX: (859) 904-1537 www.pdacorporation.com [email protected] David Rose, Owner/Operator Terry Malin, Appraiser Jamie Stephenson, Office Manager RISK MANAGEMENT SERVICES PO Box 22989 Louisville, KY 40252 (800) 372-5402 FAX: (888) 326-5909 Website: rmsc.com Chris Welch –Kim McAlister Nathan Murrell – Lori RigdonReport Kentucky Utilities Claims: 1-800-372-5402 RIVERLANDS MARINE SURVEYORS AND CONSULTANTS, INC. 935 Riverside Drive Louisville, KY 40207-1036 (502) 897-9900 FAX: (502) 897-9910 [email protected] www.riverlandsmarine.com Greg Weeter, Principal Surveyor Chris Kiefer, Marine Surveyor SAFECO INSURANCE PO Box 515097 Los Angeles, CA 90057 (800) 332-3226

SHELTER MUTUAL INSURANCE COMPANY 1121 Monarch Street Lexington, KY 40513 (859) 278-6088 (800) 432-0939 FAX: (859) 277-2288 Crystal Turner, Branch Claims Manager Lori Little, Claims Supervisor Janice McMurtry, Claims Supervisor Andrew Moore, Claims Supervisor Melissa Sorokoty, Claims Supervisor Mitch Russell, Claims SupervisorStephen Baker – Cristina Bailey – Cody Barnes - Crystal Baugh Kim Beard – Josh Blaylock - Susan Brown – Rachel Buffin Vince Carey – Bill Cotton - Keith Cooper Glen Currens - Alex Dugan - Debbie Fischer Ellen Hannifan – Brittany Kuhn - Daniel McAfee Paige McCurn – Jason Napier - Tammy Newsome DJ Phelps – Dennis Riley - Jason Rivers Mitchell Russell - Scott Smith - Linda West Keith Williams - Renata Winchell 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] David A. Smith, President Denise Smith, Business Development Coordinator Dottie Phillips, Office Manager

STATE AUTO INSURANCE COMPANY Columbus Claims Office PO Box 182822 Columbus, OH 43218 614-464-5000 (800) 776-1853 FAX: (888) 999-8095 Chris Elliot (859) 304-2812 ***** Teresa Moreland (502) 682-1271 ***** Dan Spradlin (859) 421-9131 ***** Andrew Reilmann (502) 264-1528 ***** Brett Stuart (270) 205-7000 ***** John Hamilton (502) 645-3636 ***** Phil Claypoole (502) 548-2503 ***** Mark Fasone, Property Supervisor (614) 917-4480STATE 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, Suite 263 Brentwood, TN 37027 (615) 292-0098 FAX: (615) 297-4891 Tom Moss, President [email protected] Trickey, Executive Vice President [email protected] ***** 1945 Scottsville Road B-2 Bowling Green, KY 42104 (270) 842-3222 FAX: (270) 842-3205 David Whitaker, Manager [email protected] ***** 10001 Taylorsville Road, Suite 200 Louisville, KY 40299 (502) 267-1259 FAX: (502) 267-4535 Brian Duncan, Manager [email protected] ***** 3027 Dixie Highway, Suite 117 Edgewood, KY 41017 (859) 426-9100 FAX: (859) 426-9101 Tim Feldman, VP and Manager [email protected] *****