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... Laura Haber
Wyoming Appraisal Umpires

... Laura Haber
Claims Master, Inc.
7112 W Jefferson Ave, Suite 307
Lakewood, CO 80235
Phone: 7208977663 • Facsimile:
Email Address: Laura@Haber.Claims
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Years experience in insurance industry:

Insurance Company:12 Law Firm (Plaintiff):5
Public Adjuster:0 Law Firm (Defense):6
Independent Adjuster:12 Other:


Experience in insurance appraisals:

Estimated Number of Appraisals Performed:32   Percentage of Appraisals acting as the Umpire:10 %
Percentage of Appraisals representing the Policyholder as an Appraiser:30 % Percentage of Appraisals representing the Insurance Company:70 %
Percentage of Appraisals acting as an Appraiser:90 %

Resume Highlights:
Fully licensed Class A General Contractor with experience in Construction Management handling up to 7 trades at a time while coordinating trades since 1992.
This includes Fire Damaged Townhomes, Explosion damaged historic commercial apartment building, Large Home Owners association townhomes, Condos, Gas Stations, Commercial restaurants, furniture stores, and residential. re-roofing, gutters, siding,
I became a licensed independent claims adjuster. Working inside and outside I handled over 2000 first party claims and supplements since 2005. I worked disputed claims on behalf of carriers until 2011 resolving over 1500 disputed claims, since 2008.
Appraiser and Umpire with 9 years of experience handling more than 2,000 claims up to $12.5M in value with uncompromising personal and professional integrity and unbiased objectivity in all cases.

Claims Master, Inc. 1998-Present
Owner -Operator
Claims Master, Inc. is located in Colorado. We specialize in consulting property damage and value losses for residential and commercial property, appraisal representation and umpire services. We also perform expert testimony as needed.
Our Colorado office enables us to serve the entire state. We currently appraise, consult, and umpire nationally. It is our goal to bring closure to files timely. Performing investigations, problem resolution, and negotiate settlements. Preventing litigation when appropriate.

CCS, Inc. 9/2014 – Present
GC and Project Manager
CCS, Inc. is a Class A Licensed and Insured GC company located in Lakewood. We specialize in Commercial Reconstruction work. We work as a non-biased GC for HOA’s and Large Commercial buildings. Part of our contracted work includes:
Vetting all sub-contractors, which include their Liability, Workers comp, and site visits for work performed. CCS, Inc. confirms through on site verification that all work is completed in a workmanlike manner, to the sole satisfaction and approval of CCS, Inc., the Building Department, and the client. CCS shall further endeavor to use its best faith efforts to complete the Project timely, and continually keeping our client apprised of the status of the Project, and timeline to completion of the Project.

Chateau Roofing and General Construction 2012- 2013
General Manager for Colorado Springs and Denver offices

Allstate Risk Solutions, LLC. 2010- 2012
General Manager for Florida
Settlement of disputed contents and mold claims

Pope Tub and Tile, LLC 8/2011-6/2012
Administrator/Tile Expert
Responsible for accepting assignments from carriers to inspect and/or repair tile damage. Keeping log of all assignments and following them from intake to close.
Responsible for receiving all documentation from experts and creating reports and invoices for approval by management.

E.A. Renfroe and Company, Birmingham, Al. 5/2011 -7/2011
Catastrophe deployment for major Hail Storm in Knoxville, Tennessee.
Responsible for initial contact, inspection, and complete settlement of 120 claims in 45 days.

NCA Group, Indianapolis, In. (2/2009 - 4/2011)
Responsible for the investigation and settlement of property claims for Citizens Property Insurance. Investigated the cause of loss, confirmed or denied, prepared a detailed estimate for covered damages and reached an agreed settlement with the insured and their representative.
The position requires extensive knowledge of the insurance contract, excellent communication, negotiation skills and resolution strategies.
Respond to legal demands for appraisal and write claim specific letter to comply with all policy conditions. Settlement resolution including, full and final release of disputed claims and payment to bring full closure to the claim. The ability to organize workload with minimal supervision and a comprehensive knowledge of building construction and techniques.

E.A. Renfroe and Company, Birmingham, Al. 6/2008 -12/2012
Responsible for the investigation and settlement of property cat claims for State Farm. Initial claims handling via: call center. . Investigated the cause of loss, confirmed or denied, prepared a detailed estimate for covered damages and reached an agreed settlement with the insured.

Construction Remodelers 2/15/2006 - 6/2008 Sales and consulting for remodels and room additions. Used xactimate remodel. Completed contracts, pulled permits, ordered materials, and supervised from beginning to completion of all my jobs.

Hill Country Claims/Citizens 1/4/2005 - 2/15/2006
Adjusting residential homes severity code 2-4. Successfully completed 52 claims. Worked with xactimate software to create estimates for replacement and repairs.

Transcontinental Construction 2001 - 2004
Sales, design and production for hurricane proof sunrooms.

L & L Applicators 1990 -1994
This was my first construction company. We did take offs on the stucco and EFIS systems as well as the need Lath for new homebuilders. Had two stucco crews and 3 lath crews.

Educational degrees / certifications:
Associates in Computer Business & Administration
2005-2011 Citizens Cat and Day certified
2005-2012 Accredited Claims Adjuster
2006-2013 State Farm Certified
2008-2011 Citizens Day and Cat Certified
IICRC WDR (Water Damage Restoration) Certified
2013-HAAG Commercial and Residential HCI201311117
Class A General Contractor International Code Council Certifications:
2009 N11 and 2012 W11
Municipalities Licensed in:
Jefferson County
Douglas County
Pikes Peak