I have 15 years of experience, and specialize in the field of property-casualty insurance and reinsurance with specific knowledge in the areas of bad faith, duty to defend, property, construction defect and agency operations. I have published on such topics as ISO pollution exclusion. I have testified 95 times on topics such as duties of an insurer and agent. Follwing the Gulf War in 1991-92, I served on a project team under contract to the Government of Kuwait to assess and document damage from the Iraqi invasion for submission to the UN for compensation. Worked several months in host country dealing directly with special government ministry.