CURRICULUM VITAE
LAWRENCE W. BERMAN, SPPA

BERMAN ADJUSTERS
1150 WALNUT STREET
NEWTON, MA 02461
TEL. (617) 964-0000
FAX. (617) 964-5574


CURRENT PROFESSIONAL ACTIVITIES:

Vice President, TAG / The Adjusters Group, Inc. Founding Shareholder of this group of the most highly qualified, professional public adjusting firms in the U.S. The Adjusters Group mission is to provide consulting, marketing expertise, and coordination for the benefit of Big Six accounting firms and their clients.

Principal, Berman Adjusters; President, Berman Adjusters, Inc. Over thirty years experience in all phases of real estate insurance loss adjustments.

Consulting to the banking community on property insurance claims. Litigation support specialist, definition and measurement of damage. Extensive consultation with law firms for the benefit of their clients. Certified as an expert witness in Massachusetts and Federal Courts. Insurance Loss Consultant; responsibility for commercial/industrial loss consultation coordination.

Specialized loss consulting for the real estate industry. Facility, FF&E, boiler and machinery, and related business interruption claim preparation.

Obtained company certification as Registered Contractor with Resolution Trust Corporation, retained by and adjusted losses for same, ongoing consulting. Adjusted numerous losses for many banks and financial institutions.

Ongoing pro-active marketing seminars to trade associations, sales and marketing organizations, and service clubs. Established professional continuing education program for N.A.P.I.A. (National Association of Public Insurance Adjusters) utilizing national speakers and experts.

PRIOR PROFESSIONAL EXPERIENCE:

October 1984 to Present:
President - Berman Adjusters, Inc.

1969 to October 1984
Gordon & Gordon Adjustment Company
Partner - April 1971 to October 1984
Provided assistance to various insureds/policyholders for the computation of claims for property damage and business interruption claims.

General Adjustment Bureau
Buffalo, NY and Waltham, MA - 1967 to 1969
Represented property insurance companies in adjusting claims.

New York Fire Adjustment Corp.
Buffalo, NY 1964 to 1966
Provided assistance to public adjusters and policyholders while being trained in the business of public insurance adjusting.

EDUCATION:

University of Buffalo, Buffalo, NY
Bachelor or Arts Degree - 1964 to 1968

Suffolk University Law School - 1969 to 1970

CIVIC ACTIVITIES:

Past Chairman - Insurance Committee/Congregation Mishkan Tefila
Past Chairman - Nominating Committee/Hebrew Rehabilitation Home For Aged/ Mens
....................... Associates
Director - Greater Boston Fire Safety Council, Inc.
Member - Massachusetts Board of Fire Prevention Regulations
Member - Anti-Defamation League
Member - Newton/Needham Chamber of Commerce
Member - Institute of Real Estate Managers
Member - New England Realty Lodge
Member - Blue Goose (Property Insurance Fraternal Order)
Member - Real Estate & Design Team (C.J.P.)
Member - Ancient & Honorable Artillery Company of Massachusetts
Member - The Hundred Club of Massachusetts
Member - Fire Chiefs Association of Massachusetts
Member - International Association of Fire Chiefs
Member - Massachusetts Chiefs of Police Association
Honorary Life Member - Boston Fire Fighters Union No. 718
Member - Insurance Committee/Congregation Mishkan Tefila

PROFESSIONAL ACTIVITIES AND DESIGNATIONS:

S.P.P.A. Certification (Senior Professional Public Insurance Adjuster) - 1986 Requires a minimum of ten years experience prior to examination.

National Association of Public Insurance Adjusters - 1989 to 1990 President & Chairman of Board {plus six (6) years - all prior offices held}. Member since 1972.

Massachusetts Association of Public Insurance Adjusters - 1985 to Present - Secretary Prior to that, Director for several years. Member since 1974.

Massachusetts Board of Fire Prevention Regulations - 1997 to Present. Representative of the Public.

Florida Non-Resident Public Insurance Adjusters - 1995 to 1998 Member of group which challenged and changed Florida state law.

NATIONAL ASSOCIATION OF PUBLIC INSURANCE ADJUSTERS:

Committee Chairmanships:

1. Professional Education 1983
2. Legislative 1986
3. Long Range Planning 1989
4. Past Presidents Advisory 1990
5. Joint Educational Seminar/M.A.P.I.A. & N.A.P.I.A. 1990
6. Nominating 1991
7. No. Carolina Licensing - Ad Hoc Committee 1994
8. Joint Educational Seminar/M.A.P.I.A. & N.A.P.I.A. 1995 to Present
9. Massachusetts Licensing - Ad Hoc Committee 1996 to Present

Member of the Following Committees:

1. Nominating
2. Grievance
3. Legislative
4. Convention
5. Constitution & Bylaws
6. Membership Recruitment
7. State Associations - Ad Hoc Committee
8. Finance, Budget & Auditing
9. Past Presidents Advisory

Following is a List of Seminars and/or Courses Taken:

December 1968,
General Adjustment Bureau/Estimating School

July/Aug. 1969,
Boston College/Accounting Course

September 1970 to June 1971,
Wentworth Institute/Estimating Course

1972-1986,
Numerous seminars through National Association of Public Insurance Adjusters

September 1986,
"Adjustment of Condominium and Cooperative Losses"

June 1987
"Business Interruption"

June 1988,
"Boiler/Machinery Policy Coverage and its Relation to Property Losses"
"Property Insurance Claims Involving Pollutants, Contaminants and Hazardous Wastes"
"Water Damage and the Dehumidification Process"

December 1988,
"Adjustment Problems with Block Policies (Jewelers Block, etc.)" "Post Loss Recoveries Including Subrogation, Salvage, etc." "Subrogation Actions and Proceeds" "How to Avoid Malpractice and Other Claims Against Public Insurance Adjusters"

January 1989,
"Collapse - A Discussion of the Coverages and Exclusions"
"ADR - Alternative Dispute Resolutions"

December 1989
"Simplified Language Policies - Simple or Simple Minded"
"Examination Under Oath"

March 1990,
"Condominiums & Co-Ops" (Joint Seminar/M.A.P.I.A.)

April 1990,
"A Review of the All Risk Policy and Its Exclusionary Language"

June 1990,
"Earthquakes - Recent Legislation and the Need to Insure Against Economic Disaster"

December 1990
"Replacement Cost Policies"
"Handling a Fire Loss of Incendiary Origin"

January 1991,
"Earthquake Coverage and Insurance Codes/Concurrent Causation"
"Professional Responsibility for Public Adjusters in the '90's"
"Long Term Contracts and Business Interruption Coverages - General Dynamics v. National Union Fire Insurance Company"
"Litigation, Prejudgment Interest, Taxed Costs, Allowance of Attorney's Fees and Other Court Imposed Sanctions as Loss Adjustment Techniques"

December 1991,
"Practical Problems in Adjustment' January 1992 "Alternative Dispute Resolution"
"Fundamentals for the Fire Investigator" "What Makes Brokers and Risk Managers Tick"

December 1992,
"Legal Issues Arising out of Hurricane Andrew"
" Protecting Consumer Interests and How to Make the Carrier Roll Over and Pay"
"The Structure of the Insurance Company Claims Department and Claims Handling Procedures"
"Regulatory Aspects of Public Adjusting in Florida"
"Valued Policy Law & Broad Evidence Rule in the Wake of Hurricane Andrew"

June 1993,
"Creating the High Performance Organization"

December 1993,
"Working with Public Adjusters"
"How to Find Coverage in a First Party Contract"
"The Benefits of Using a Construction Cost Estimator in Claims Adjustment"
"The Process of Bad Faith Litigation and Comparative Bad Faith Litigation"

December 1994,
"Loss of Rents Under Business Income Forms"
"Dealing with Post Traumatic Stress Following a Loss"

June 1995,
"Insuring the Lease Exposure"
"The Family Owned Business"
"Informing the Client: Avoiding Unreasonable Expectations"

September 1995,
"Commercial Property - 1995 Policy Forms"
(Joint Seminar/M.A.P.I.A.)

December 1995,
"Subrogation"
"Examining Structural Failures of the Northridge Earthquake"

June 1996,
"Stop Taking Pennies on the Dollar"
"Appraisal Issue Related to Diamond Rug & Carpets Mills, Inc. Fire Loss"
"Psychological Impact and Trauma Associated With Relocation and Disaster"

September 1996,
"Homeowner's Coverage"
"Important Endorsements for Homeowners"
"Personal Inland and Marine"
(Joint Seminar/M.A.P.I.A.)

December 1996,
"Future of the U.S. Legal System"
"Extra Contractual Damages - Practices and Pitfalls"
"NFPA 921: Finally a National Standard for Cause and Origin Investigations"

June 1997,
"Coverage Under All Risk Insurance"
"Construction and Effect of Property Insurance Provision Permitting Recovery of Replacement Cost of Property"
"Business Interruption Insurance"
"Business Interruption: Forecasts and Projections, Calculations and Rebuttal of Insurance Company Positions"

September 1997,
"Effective Claims Negotiations"
(Joint Seminar/M.A.P.I.A.)

June 1998,
"Anatomy of a Complex Case: Post Fire Residues in the HVAC System"
"The Role of the Public Adjuster in Litigation and Mediation"
"Recent Developments in Claims Adjusting"
"Commercial Condo Case Studies"
"Personal Condo Case Studies"

July 1998,
"Homeowners Claims and Case Studies"

October 1998,
"Condominium Coverages and Claims"
(Joint Seminar/M.A.P.I.A.)

November 1998,
"Property Nitty Gritty"
"Collapse Coverages"
"Florida Insurance School" - 3 Day Intensive Seminars

December 1998,
"Corporate Culture of Insurance Companies"
"Issues, Concerns and Proving the Damages"
"Y2K and Its Effect on Computers and Insurance Coverage"
"Fire Department and Fire Fighter Liability for Negligent Fighting Operations"

April 1999,
"Ordinance or Law/Code Upgrade Coverage"

June 1999
"The Case for Retaining a Public Adjuster"
"Increased Costs Due to Construction Defects"
"From the Files of FC&S Bulletins"
"Interior Air Pollution"

October 1999
"Ordinance/Law Issues"
"Property Policy Interpretations"
"Electronic Data Processing - Coverage and Issues"
(Joint Seminar/M.A.P.I.A.)

Plus additional seminars and courses over the last 25 year period.

Articles Written and/or Interviewed for:

March 1999,
New England Real Estate Journal "What is the Best Way for Investment Property Owners to Prepare for a Property Damage Loss?"

May 1999,
New England Real Estate Journal "The Massachusetts Board of Fire Prevention Regulations"

December 1999,
Bay State Apartment Owner "Public Adjusters Recommend Purchasing All-Risk Insurance"

March 2000,
New England Real Estate Journal "Ordinance or Law Property Insurance Coverage"