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  • Rosario Ray
    Alberta Regional Manager
  • Rosario Ray B.ACC., B.SC. IT, CIP

    Alberta Regional Manager

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    Rosario Ray began her career in the insurance industry in 2008 at one of Canada’s top five largest property/casualty insurers. As an Examiner, Rosario’s expertise included a variety of personal and commercial property and personal liability claims, including the 2013 Catastrophic Flooding in Alberta. Before moving to Canada from the Philippines in 2001, Rosario led an IBM ISV Support Center where she managed 12 multilingual administrators in 9 countries located in the Asian Pacific Region

    In April 2014, Rosario decided to leave the insurer side and venture into the independent adjusting world. Kernaghan Adjusters were lucky to welcome Rosario to our Calgary office. An incredibly fast learner, she quickly earned a reputation amongst KA clients as a talented adjuster.  Rosario expertly handled many large loss files including, the high- profile Canmore Explosion in June of 2015, and the 2016 Catastrophic Wildfires in Fort McMurray and areas.

    Rosario has been most recently employed with a Specialist Insurer, where she controls numerous large programs,  as well as non-program property losses in the provinces of BC, AB, MB, SK, ON, ON, YT, NU and NWT.

    Rosario is passionate about education and personal development.  She holds a Bachelor of Science in Commerce, Major in Accounting from Ateneo de Naga University. A Bachelor of Science in Information Technology from Phoenix University. She also holds a CIP with 3 awards for excellent performance from the Insurance Institute of Canada.

    Kernaghan Adjusters are thrilled to welcome Rosario back to the Alberta team.  Rosario will bring an analytical and process driven management style to grow, develop and oversee our strong Alberta adjusting team.  She will also hold a place on the KA Senior Management Team.

    EXPERTISE:

    Personal Property & Liability:

    • Additional Living Expense
    • Condo Loss Assessment
    • Dwelling – Total Loss
    • Loss Assessment
    • Mobile Homes
    • Sewer Back-Up

    Commercial Liability:

    • Builder’s Risk
    • Church Programs
    • Commercial General Liability
    • Course of Construction
    • Employee Dishonesty

    Commercial Property:

    • Building
    • Environmental Impairment
    • Fleet
    • Strata Losses
    • Stock & Equipment
    • Lloyd’s Reporting Standards

    Specialty:

    • Catastrophe
  • Gilbert Lau
    Senior Adjuster
  • Gilbert Lau CIP

    Senior Adjuster

    Gilbert joined KA’s Edmonton office in December 2022. He brings with him over 35 years of experience in the insurance industry. During his extensive claims career, Gilbert has developed a particular expertise for fatality losses, automobile losses, property and commercial losses, liability and personal losses and bodily injury.

    During his first tenure at Kernaghan Adjusters between 2003 – 2009, Gilbert built a reputation as a skilled adjuster that operates with tact and consideration. His wealth of knowledge and experience translates as a calming influence on the claim procedure for insurers and claimants alike.

    Gilbert is a highly motivated and capable businessman and tutor. He has opened and operated successful businesses in the past. Gilbert has completed his CIP designation and has previously been an instructor for CIP courses. He tutored the IIC Auto course with a 97% success rate amongst his students.

     

    Auto Commercial Personal:

    • Physical Damage
    • Vehicle Theft
    • Automobile Appraisal & Re-inspection
    • Recreational Vehicles
    • Heavy Equipment Losses
    • Auto Liability
    • Motor Carrier Liability
    • Auto Warranty
    • Third Party Property Damage

    Personal Property/Liability:

    • Additional Living Expense
    • Sewer Back-up
    • Rental Income

    Commercial Liability:

    • Occupier’s Liability
    • Fatalities & Accidental Death
    • General Liability
    • Occupiers’ Liability
  • Sunil Chawla
    General Adjuster
  • Sunil Chawla

    General Adjuster

    Prior to becoming a claims adjuster, Sunil was a Mechanical Engineer certified by the Punjab State Board of Technical Education and Industrial Training, India.

    His career in the insurance industry began in 2003. Since then, his position has been claims focused. Sunil has extensive field experience across a wide range of losses such as Commercial and Personal Auto, Industrial Equipment, Farm and Livestock, and Large complex property losses.

    Sunil transitioned his career to the Canadian Insurance Industry to further his professional growth and contribute his extensive knowledge to the Canadian market. He brings with him a wealth of experience and expertise in risk assessment, negotiation, customer advocacy, and customer service to consistently deliver positive outcomes for both clients and insureds.

    Sunil actively participates in adjuster examinations and specialized training programs to stay up-to-date with industry best practices. He is currently undertaking his CIP designation.

    Personal Property/Liability:

    • Additional Living Expense
    • Dwelling – Total Loss
    • Property Scoping, Estimation
    • Sewer Back-up
    • Rental Income

    Auto Commercial Personal:

    • Auto Bodily Injury
    • Physical Damage
    • Heavy Equipment Losses
    • Motor Carrier Liability
    • Auto Warranty
    • Third Party Property Damage

    Commercial Property:

    • Arson & Fire Investigation
    • Building
    • Contractor’s Equipment
    • Heavy Equipment
    • Machinery Breakdown

    Commercial Liability:

    • Commercial General Liability
    • General Liability
    • Marine Liability
  • Glenn Labelle
    Senior Adjuster
  • Glenn Labelle CIP

    Senior Adjuster

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    Glenn has over 30 years of claims adjusting experience. His prior roles have provided him with excellent time management and leadership skills. He has expertise in Property, Liability, Automobile, Transportation (Cargo), Builders’ Risk and Municipality claims. He is well versed at handling Large Liability and Property Losses for both Personal and Commercial Lines of business. Glenn also has experience handling arson and fire investigation, contractor’s equipment and structural collapse claims.

    In 2017, Glenn became part of our Calgary team as a Senior Adjuster. He is a well-regarded adjuster and holds his CIP designation.

    Expertise:

    • Church Programs
    • Municipal Liability
    • Commercial General Liability
    • Dwelling – Total Loss
    • Condo Property Loss
    • Stock & Equipment
    • Transportation/Cargo
    • Salvage Damage
  • Ken Newton
    Senior Adjuster
  • Ken Newton

    Senior Adjuster

    Ken began his career in the insurance industry 20 years ago at one of Canada’s largest insurers in a sales position. During his tenure, Ken gained in-depth knowledge of home, commercial and farm product lines. This role also advanced Ken’s outstanding customer-service, communication and problem-solving skills that remain his key strengths as an adjuster.

    After five years, Ken transitioned to a Claims Adjuster role with the same insurer. Over the following decade, Ken developed a diverse claims handling foundation across multiple lines of business while maintaining his specialization in farm claims. His broad farming-related insurance experience includes the handling of loss prevention inspections on farming operations, a full range of livestock losses (cows, pigs, chickens, etc.), farm property, farm equipment, and post-harvest crop losses.

    In 2017, Ken joined the Major Events/Catastrophe team and travelled across Canada to aid insureds affected by natural disasters. Ken brings a calm and reliable demeanor to the claims process which saw him excel in this position. Ken’s passion and dedication is evident in the consistent quality of his claims work and his positive interactions with insureds and clients alike.

    Ken joined Kernaghan Adjusters’ Calgary team in April 2024 and will be servicing claims in the Calgary, Red Deer, and Edmonton areas. Outside of work, Ken enjoys spending time with his family, fly fishing, and offering free dog training to dogs in jeopardy of losing their home due to behavioral issues.

    Personal Property/Liability:

    • Dwelling – Total Loss
    • Flood & Hail
    • Rental Income

    Commercial Property:

    • Farm & Livestock
    • Boiler and Machinery
    • Condo Property Loss
    • Stock & Equipment
    • Outbuildings

    Commercial Liability:

    • Bodily Injury
    • Builder’s Risk
    • Municipal Liability
    • Commercial General Liability

    Auto Commercial/Personal:

    • Auto and Motor Carrier Liability
    • Motor Truck Cargo: Owners

    Specialty Losses:

    • Catastrophe
    • Xactimate trained
  • Tatiana Lobzhenidze
    General Adjuster
  • Tatiana Lobzhenidze

    General Adjuster

    Tatiana graduated from Teacher Training College in Novorosiysk, where she worked as a teacher and private tutor for four years. Later, Tatiana graduated with a bachelor’s degree in Customs Affairs and Border Security from the prestigious Customs Academy of the Russian Federation in Rostov-on-Don. In both college and university, Tatiana served as President of the Student Union and Head Editor of the student newspaper.

    Tatiana entered the insurance industry shortly after moving to Canada in 2009. Her career began as an insurance agent providing home, auto, commercial and travel insurance. During this time, Tatiana also acquired her LLQP license and worked with life, disability, critical illness, group benefits and other financial products. After five years in her role, Tatiana gained a robust understanding of policy wordings, and developed key skills in customer service, communication, and problem-solving.

    Tatiana pivoted to claims adjusting in 2017 and began working as a telephone adjuster at one of the biggest Canadian adjusting companies. Tatiana handled claims across Canada while specializing in liability, injury, and subrogation claims.

    Tatiana joined KA’s Calgary team in 2024 and brings an infectious drive and enthusiasm to the team. She prides herself on meeting client expectations and credits her motivation to how rewarding the role of an adjuster can be.

    Outside of work, Tatiana enjoys spending time with her family and practicing and teaching Taekwondo as an IV-degree black belt.  She is also set to attain her CIP designation as she completes her final course.

    Personal Property/Liability:

    • Additional Living Expense
    • Loss Assessment
    • Mobile Homes
    • Rental Income
    • Sewer Back-Up

    Commercial Property:

    • Business Interruption
    • Building
    • Heavy Equipment
    • Motor Truck Cargo

    Commercial Liability:

    • Commercial General Liability
    • Contractor’s Liability
    • Loss Assessment Coverage
    • Product Liability

    Auto Commercial/Personal:

    • Motor Carrier Liability
    • Physical Damage
    • Third-Party Property Damage
  • Jessica Gojevic
    General Adjuster
  • Jessica Gojevic CIP

    General Adjuster

    Jessica is a seasoned insurance professional with over 15 years of experience specializing in property and casualty claims. Her career began in 2007 as an administrative assistant to an independent adjuster, where she quickly discovered her passion for the insurance industry. By 2008, she transitioned to a national insurer as a telephone adjuster. Her responsibilities soon escalated from managing small break-and-enter claims to handling moderate-sized property losses.

    In 2013, Jessica advanced her career by joining another national insurer as a field adjuster, gaining extensive hands-on experience. By 2017, she moved into the independent adjusting world, working alongside her father at his firm for four fulfilling years, delivering customized solutions to clients. In 2021, seeking to expand her knowledge of the insurance product, Jessica transitioned to the broker side of the industry.

    Jessica joined Kernaghan Adjusters after taking a brief break from the industry having welcomed her daughter to the world in 2023. Jessica is excited bring her wealth of experience and passion for exceptional service back to clients and policyholders.

    Known for her analytical abilities, keen attention to detail, and dedication to client satisfaction, Jessica has built a reputation for building strong relationships and ensuring high standards in every claim she handles. With her commitment to professional growth, she continues to contribute to the evolving insurance landscape.

    EXPERTISE

    Personal Property & Liability:

    • Dwelling – Total Loss
    • Loss Assessment
    • Rental Income
    • Voluntary Property Damage
    • Sewer Back-Up

    Commercial Property:

    • Arson & Fire Investigation
    • Business Interruption
    • Flood
    • Building
    • Stock & Equipment
    • Strata Losses

    Commercial Liability:

    • Bodily Injury
    • Commercial General Liability
    • Contractor’s Liability
    • Course of Construction
    • Product Liability

    Specialty Losses:

    • Catastrophe Adjusting
  • Chris Parsons
    General Adjuster
  • Chris Parsons BA, CIP

    General Adjuster

    Chris holds a double major in Economics and Political Science from the University of Calgary. Following a successful stint as a professional athlete in Europe, he transitioned into the financial services industry as a financial advisor and planner. Chris also brings a wealth of experience in real estate sales and environmental consulting in the oil and gas sector.

    Chris began his insurance career during the Fort McMurray wildfires, one of Canada’s most significant natural disasters, where he adjusted a wide variety of claims. He spent over a year managing claims in Fort McMurray before returning to Calgary to continue his work with a focus on residential and commercial property claims.

    With over eight years of experience, Chris has adjusted an extensive range of property claims throughout Alberta. His recent assignments have included catastrophe claims related to wildfires and flooding. He is particularly skilled in managing large loss fire claims, water damage, and sewer back-up incidents, and he is well-versed in asbestos and mold remediation. Chris takes pride in being a source of support for his clients, helping them navigate through challenging times and recover from their losses.

    Chris is known for his calm and collected demeanor, extensive knowledge of the insurance product, and a strong drive to continually improve himself. His exceptional communication skills and organized nature ensure that clients feel informed and supported every step of the way, making him a perfect fit for this line of work.

    In addition to holding a Level 3 adjuster’s license, Chris is a Certified Insurance Professional (CIP). Outside of work, he enjoys spending time with his family, traveling, and honing his skills as a videographer.

    Personal Property & Liability:

    • Additional Living Expense
    • Dwelling – Total Loss
    • Loss Assessment
    • Mobile Homes
    • Sewer Back-Up

    Commercial Property:

    • Arson & Fire Investigation
    • Condo Loss Assessment
    • Building
    • Stock & Equipment

    Specialty Losses:

    • Catastrophe Adjusting
  • Doug Wees
    Senior Adjuster
  • Doug Wees

    Senior Adjuster

    Auto Commercial Personal

    • Physical Damage
    • Auto Bodily Injury
    • Vehicle Theft
    • Automobile Appraisal & Re-inspection
    • Heavy Equipment Losses
    • Auto Liability

    Personal Property & Liability

    • Additional Living Expenses
    • Condo Property Expenses
    • Dwelling – Total Loss
    • Sewer Back-Up

    Commercial Liability

    • Bodily Injury
    • Commercial General Liability
    • Contractor’s Liability
    • Premise Liability

    Commercial Liability

    • Builder’s Risk
    • Business Interruption
    • Flood
  • Patti Kernaghan
    President & CEO
  • Patti Kernaghan FCIP, CRM, FIFAA, FCIAA

    President & CEO

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    Patti Kernaghan, a well-known and respected professional in the Canadian insurance property and casualty industry, is the chief executive officer of Kernaghan Adjusters. Patti is recognized in her industry as a distinguished and exceptional leader, and as a perceptive entrepreneur.

    The Insurance Institute of Canada granted Patti their Award of Merit in 2002. Her peers in the industry named her the Insurance Person of the Year for BC in 2006.  In 2018 the CIAA granted her the distinction of Fellow of the Canadian Independent Adjusters Association (FCIAA).  These industry recognitions have helped set Kernaghan Adjusters apart as a firm with strong leadership at the helm.

    Patti studied International Relations at UBC and soon afterwards embarked upon a career in banking.   After ten years of various management positions at the Bank of Montreal, she joined her father, Stan Kernaghan, and began her insurance claims career. Patti started as a junior adjuster and ultimately held several management positions before being named President and CEO in 1993. Since then she has focused her attention on the vision and direction of the firm’s position within the adjusting services market.

    Contributing to the professionalism of the industry comes naturally to Patti.  She has served as President of several associations: Canadian Independent Adjusters Association, International Federation of Adjusting Associations, The Insurance Institute of BC, and the Canadian Professionals of Vancouver.  She was also a founding member of several boards: Chair for the National Insurance Industry Advisory Board to the CIAA, the BCIT Advisory Board for Insurance and Risk Management, and the Steering Committee for WICC (Women in Insurance Cancer Crusade BC).  She served as the Western Chair for the Insurance Institute of Canada, and was a member of the Insurance and Risk Management Advisory Board for the University of Calgary.  She has also served on the Academic Council for IIC, the Education Committee for IIC, and on the Advisory Board of the Kinsmen Rehabilitation Foundation of BC. Patti is a Fellow Charter Insurance Professional under seal of Insurance Institutes of Canada and holds a Canadian Risk Management Diploma.

    Patti has a strong record of developing and maintaining critical business relationships.  She is an effective leader who upholds the interests of her staff at the forefront of everything that is done at Kernaghan Adjusters.  Her collaborative work style helps set Kernaghan Adjusters apart in the independent adjusting market in Canada.

    Past President:

    • IFAA
    • CIAA
    • IIBC
    • CIPV

    Past Chairperson:

    • NIIAB to CIAA
    • Western Chair IIC

    Board Memberships:

    • U of C Advisory
    • BCIT Advisory
    • WICC BC
    • Academic Council IIC
    • Education Committee IIC
    • Kinsman Rehabilitation Foundation BC

    Accreditation’s:

    • FCIP
    • CRM
    • FIFAA
    • FCIAA

    Awards:

    • Award of Merit IIC 2002
    • Insurance Person of the Year BC 2006
    • Fellow CIAA 2018
  • Scott Hughes
    Director of Finance
  • Scott Hughes BA, CPA, CMA

    Director of Finance

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    Scott Hughes has over 25 years of financial experience. He has worked in a variety of roles that include, CFO and Controller for a chemical manufacturing firm in Calgary, and Controller for an engineering firm in Vancouver. His experience includes managing accounting and financial departments, IT departments and overseeing HR program administration and implementing accounting systems in both large and mid-sized firms. He has worked in Canada and Australia.

    Scott believes that a strong, cohesive team is the key to a successful accounting department. He embraces change and is open to learning new practices. Education and continuous learning are important to Scott. He has a Certified Management Accountant designation and a BA majoring in Economics.

    Scott joined Kernaghan Adjusters in August 2018 as Director of Finance. His collaborative and open approach has made him an essential member of Kernaghan Adjusters Head Office and Senior Management Team.

    Expertise:

    • Financial Reports
    • Budgets and Forecasts
    • System Implementation
    • Payroll Services
    • Process Improvement
  • Owen Watson
    Vice President BC Operations
  • Owen Watson BSc, CIP, CERT CII (London Market)

    Vice President BC Operations

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    Owen began his career in the insurance industry in 2005 as a claims examiner, handling a variety of claims from minor property damage losses to multi-million-dollar fires. In 2012, Owen moved to London, England where he gained invaluable Lloyd’s experience at QBE where he worked alongside International Property, Casualty and Marine and Energy departments to manage a global portfolio of third party administrators and coverholders.

    Owen joined Kernaghan Adjusters Head Office in 2017 fulfilling our need for a London Services Manager. Owen holds a Bachelor of Science degree from McGill university, a CIP designation and an Award in London Market Insurance from the Chartered Insurance Institute (London, UK). He is responsible for growing, developing and managing London market business both nationally and internationally.

    Expertise:

    • Technical Claims Specialist
    • London Market Insurance
    • Vendor Management
    • Quality Assurance Audits
    • Lloyd’s Reporting Standards
  • Frederick Bonsu
  • Frederick Bonsu BSc., MBA, ACII

    Frederick’s Insurance career began in 2006 with one of Ghana’s most reputable insurance companies, shortly after attaining his bachelor’s from the University of Ghana. He spent three years as an Underwriter before joining another highly regarded firm in 2009. At his new company, he took the role of Branch Manager before progressing to Underwriting Manager between 2010 and 2012.

    In 2013, he was appointed to Head of Claims, a role he held until October 2022. This position saw him handle auto, property, stock, casualty, and liability claims. In the Fall of 2022, Fredrick and his family relocated to Canada where he joined Kernaghan Adjusters shortly afterwards.

    Throughout his career, Frederick has built a reputation on diligence, integrity, and excellent customer service. He brings with him to KA a wealth of managerial, supervisory and negotiation skills.

    Frederick’s holistic knowledge of the insurance product, including policy drafting, policy interpretations, risk assessment, and claims adjudication puts him in a great position to excel in his new role with KA. He maintains a client-centric work approach, and appreciates the extent to which speed, professionalism and excellent customer service are crucial to the insurers when dealing with insureds/claimants on their behalf.

    Frederick holds an MBA from Ghana and an Associateship designation with the Chartered Insurance Institute, UK. He is also working towards the CIP designation.

    Auto Commercial/Personal:

    • Physical Damage
    • Third Party Property Damage
    • Auto Warranty

    Commercial Liability:

    • Contractors’ Liability
    • Employee’s Liability
    • Premise Liability

    Commercial Property:

    • Arson & Fire Investigation
    • Building
    • Boiler & Machinery
    • Stock & Equipment

    Personal Property & Liability:

    • Personal Liability
    • Dwelling – Total Loss
  • Dennis Schembri
    VP Ontario & Atlantic Canada Operations
  • Dennis Schembri CIP, CFEI

    VP Ontario & Atlantic Canada Operations

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    Dennis Schembri is a well-known and highly respected insurance professional.  Since 1980, he has gained valuable experience working for both insurers and independent adjusting firms. Dennis founded Vanler Insurance Adjusters Ltd in 1993, and soon expanded the firm’s operations to include over 70 full-time employees in six locations across Ontario. As a senior property/casualty adjuster, his wide range of claims expertise includes personal and commercial property, premises and products liability and host liquor liability.

    After the sale of his firm in 2007, Dennis joined Granite Global Solutions at the senior management level in sales, marketing, and strategic direction and Managing Director, Canada.  He soon rose to the position of Executive Vice President, Client Management, for all divisions.

    During his career, Dennis has built a reputation on honesty, integrity, and a commonsense approach to problem solving. He also takes pride in his ability to develop strong relationships with clients and his staff.

    His professional accomplishments notwithstanding, Dennis also has a respected reputation for community involvement. He is a past executive of the OIAA and has assisted on various committees with the CIAA.  He volunteers at The Grace Salvation Army Hospital in their Palliative Care Unit, also a volunteer for the Fellows Starlight Gala Ball, a board member for the Peel Children’s Centre and has assisted in raising millions of dollars for various charities. Dennis has also coached, mentored, volunteered with, or sponsored at least 30 hockey, baseball, lacrosse, and soccer teams.

    Since joining KA in 2016, Dennis’ Ontario team has benefited from his intuitive leadership qualities, adept sense of when to act on things, and ability to recognize opportunities. Dennis has also been an integral part of the National Senior Management Team. In 2021, he was recognized for his achievements by being appointed as Vice President Ontario & Atlantic Canada Operations.

    Expertise:

    • Large Property
    • Personal Liability
    • Condo Property Loss
    • Structural Collapse
    • Host Liquor Liability
    • Sports Injury
    • School Boards
    • Contractors Equiptment
  • Phil Harris
    NS Regional Manager
  • Phil Harris FCIP, BA

    NS Regional Manager

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    Phil began his insurance career over 40 years ago in Nova Scotia, as an independent adjuster with a respected Sydney firm. In 1978 he moved to the insurer side to become a general adjuster and was eventually promoted to Claims Supervisor. Phil soon gained recognition as a highly skilled technician, serving in that capacity until November 2007. He has proven expertise in casualty claims, as well as in areas ranging from major industrial losses to criminal investigations.

    Phil joined Kernaghan Adjusters in 2008 as Nova Scotia Regional Manager and became an important member of KA’s Senior Management Team. He has been a Fellow of the Chartered Insurance Professionals of Canada (FCIP) since 1993 and has acted as an instructor for numerous Chartered Insurance Professional (CIP) courses. Phil is a recognized professional and an industry veteran whose ability to serve as an experienced mentor provides a great benefit to everyone on his team.

    • Condo Losses
    • Arson & Fire Investigation
    • Sewer Back up
    • Windstorm & Hail
    • Auto Liability
    • Bodily Injury
    • Environmental Liability
    • Major Loss Adjuster
  • Mobin Minto
    Senior Adjuster
  • Mobin Minto BCOM, BSIE

    Senior Adjuster

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    Mobin began his career in the insurance industry in 2002 while living in Pakistan. He moved to Canada in 2013 and worked as a total loss handler. He currently specializes in material damage settlements, residential, commercial, marine, fire, auto, and transportation/cargo claims. He is fluent in English, Punjabi, Urdu and Hindi.

    Mobin became a member of Kernaghan Adjusters’ Surrey branch in 2015. He has a Bachelor of Commerce degree, Industrial Engineering degree and is currently in the process of obtaining his Chartered Insurance Professional (CIP) and Canadian Risk Management (CRM) designations.

    • Property Scoping/Estimation
    • Additional Living Expense
    • Loss Assessment
    • Bodily Injury
    • Condo Loss Assessment Townhouses & Strata
    • Boiler & Machinery
    • Arson & Fire Investigation
    • Pre-/Post-delivery Inspections
  • Eric O’Dell
    Senior Adjuster
  • Eric O'Dell

    Senior Adjuster

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    Eric’s introduction to the insurance industry dates to 1978 in a small town on the North Coast of BC. Having developed a keen understanding and interest in the claims process, four years later Eric began his career as an independent adjuster with a large claims management firm. Eric’s 39 years as an independent adjuster have provided him the opportunity to work throughout the province of British Columbia before settling in the Lower Mainland.

    Over the course of his career Eric has amassed an impressive array of claims handling experience ranging from small and large residential claims to large industrial and commercial claims. Eric credits the process of building his expertise across all lines of business to his continued interest and satisfaction he gets from the role.

    Eric’s strengths lie in his well-honed investigative, analytical, and interpersonal skills. A friendly, outgoing, and positive demeanor has helped him build a reputation for handling challenging situations while always driving customer satisfaction. Eric’s experience and proven adjusting skills make him an asset to the Kernaghan Adjusters BC team.

    Auto Commercial/Personal:

    • Bodily Injury
    • Accident Benefits
    • Motor Truck Cargo
    • Heavy Equipment Losses

    Personal Property & Liability:

    • Property Scoping/Estimation
    • Additional Living Expense
    • Strata Losses
    • Mobile Homes
    • Personal Liability

    Commercial Property:

    • Large Loss Fire
    • Fire Investigation
    • Business Interruption
    • Contractor’s Equipment
    • Motor Truck Cargo
    • Stock & Equipment

    Commercial Liability:

    • Municipal Liability
    • Commercial General Liability
    • Occupiers’ Liability
    • Owner, Landlord, Tenant Liability
    • Premise Liability
  • Russell Sorsdahl
    Senior Adjuster
  • Russell Sorsdahl CIP

    Senior Adjuster

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    Russell was introduced to the insurance industry in 1991, after careers in both the military and law enforcement. He first joined a small adjusting firm in Port Moody, BC and was exposed to various types of claims. This included Catastrophe losses during Hurricane Andrew in Florida, 1992. His subsequent years in the industry included positions in Alberta, Saskatchewan, and British Columbia as a Multi-Line Adjuster, Branch Manager, Director of Claims Operations, and President & CEO of his own adjusting firm.

    Over the course of his 30-year career in the insurance industry, Russell has amassed an impressive range of claims handling expertise.  He is considered an industry expert in handling large residential and commercial property, auto, liability, pleasure craft marine, and inland marine cargo claims.

    Russell operates under the standard of fair and honest claims handling in accordance with the insurance contract. His motivation today stems from helping insureds rebuild after losses with minimal disruption to their lives. His prior experiences in law enforcement make him a valuable investigator, with the ability to calm emotional insureds, while maintaining his professionalism and personal standards of honesty, integrity, and equality.

    Auto Commercial Personal:

    • Accident Benefits
    • Bodily Injury
    • Motor Truck Cargo

    Commercial Liability:

    • Contractors’ Liability
    • Product Recall
    • Crisis Management
    • Environmental Liability
    • Fatalities & Accidental Death Tenants’ Legal Liability
    • Contingency

    Commercial Property:

    • Builders’ Risk
    • Crime
    • Fidelity & Surety
    • Motor Truck Cargo

    Personal Property/Liability:

    • Dwelling Total Loss
    • Rental Income

    Specialty Losses:

    • Catastrophe
    • Marine – Pleasure Craft
  • John Parsons
    Senior Adjuster
  • John Parsons

    Senior Adjuster

    John states his interest in Insurance began as early as his teenage years before beginning his career in the industry in 2007. His first role was as an Independent Adjuster for a national firm.  John subsequently moved to Kernaghan Adjusters on September 1st, 2023.

    John is a multi-line adjuster with a wide scope of claim handling knowledge. His expertise ranges from residential and commercial property, casualty, heavy equipment, marine, transportation and cargo; he is adept in carrying out scene investigations, collateral investigations, witness investigations and trial preparation.  He relies on strong interpersonal skills to build relationships between all stakeholders to facilitate the claims process.

    John is also involved in the Chartered Insurance Professional program and intends to continue working towards his CIP designation. In his free time, John enjoys walking his dogs and restoring classic cars.

    EXPERTISE

    Personal Property & Liability:

    • Sewer Back-Up
    • Property Scoping & Estimation
    • Rental Income
    • Additional Living Expense
    • Mobile Homes

    Commercial Property:

    • Business Interruption
    • Stock & Equipment
    • Strata Losses
    • Motor Truck Cargo
    • Contractor’s Equipment

    Commercial Liability:

    • Municipal Liability
    • Occupiers’ Liability
    • Owner, Landlord, Tenant
    • Premise Liability

    Auto Commercial/Personal:

    •  Municipal Liability
    • Auto Bodily Injury
    • Heavy Equipment Losses
    • Physical Damage
    • Third-Party Property Damage

    Specialty:

    • Catastrophe Adjuster
    • Marine
  • Cinthia Ramos
    Adjuster
  • Cinthia Ramos BA

    Adjuster

    Cinthia is a driven and dedicated insurance professional who started working in claims in 2016 as a telephone claims adjuster for BC’s provincial auto insurer. While working as a claims adjuster, she enjoyed learning about the rules of the road, how to determine liability and how to help people recover from challenging circumstances.

    In 2017, building on her knowledge from the previous year, Cinthia decided to take a role as a claims coordinator where she gained experience handling theft claims, third-party claims and fleet claims. In 2018, she joined a well-known construction company that maintains projects across North America. It was during her time there that she gained experience handling commercial general liability, property, heavy equipment and course of construction claims. At that time, Cinthia also enrolled in her first CIP course.

    Cinthia holds a Bachelor of Arts degree from the Universidad de Guadalajara, Mexico and is fluent in both Spanish and English. She joined the Surrey, BC team in November 2022 and will be responsible for adjusting property and liability claims throughout the Lower Mainland.

    Auto Commercial/Personal:

    • Appraisal & Re-Inspection
    • Bodily Injury

    Commercial Liability:

    • General Liability
    • Bodily Injury

    Personal Property & Liability:

    • Property Scoping/Estimation
    • Additional Living Expense
    • Loss Assessment

    Commercial Property: 

    • Builders’ Risk
    • Condo Loss Assessment Townhouses & Strata
    • Boiler & Machinery
    • Arson & Fire Investigation

    Languages:

    • Spanish & English
  • Cam Fortems
    Adjuster
  • Cam Fortems

    Adjuster

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    Cam shifted his career path to insurance adjusting when he joined KA as an adjuster in 2017. He has developed expertise in the areas of liability investigations, fire and flood loss and transportation. Cam possesses a broad depth of knowledge when it comes to settling complex liability cases, having spent extensive time in courtrooms in his past career.

    Cam joined the Kernaghan Adjusters BC Interior Team, opening a branch in Kamloops in 2017. He has his Bachelor of Arts degree and has also obtained his Chartered Insurance Professional (CIP) designation.

    Expertise:

    • Dwelling Building
    • Dwelling – Total Loss
    • Sewer Back-Up
    • Auto Liability
    • Bodily Injury
    • Building
  • Tony Read
    BC Interior Manager / Senior Adjuster
  • Tony Read

    BC Interior Manager / Senior Adjuster

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    Tony began his insurance career in 1981 as an independent adjuster. Tony’s background in construction, acquired in England, has allowed him to address property losses with greater understanding. He is an expert multi line adjuster with expertise in residential and commercial property losses, transportation, construction, and complex casualty claims.

    Tony joined Kernaghan Adjusters in 2012 as part of the Kelowna branch. He manages our BC Interior Operations and is an active member of our Transportation Team.

    Expertise:

    • Commercial Property
    • Course of Construction
    • Personal Property
    • High Value Residential Property Loss
    • Municipal Liability
    • Contractors’ Liability
    • Church Programs
    • Motor Truck Cargo
  • Mark Graw
    Branch Manager
  • Mark Graw CIP

    Branch Manager

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    Mark began his insurance career in 1989 after completing the Insurance Administration program at Grant MacEwan College. His expertise includes handling all lines of commercial and personal insurance, with a specialization in major property losses and motor truck cargo. He is also adept at complex total loss strata claims.

    Mark joined Kernaghan Adjusters in July 2013 as our Senior Adjuster in our Cranbrook branch. He holds his Chartered Insurance Professional (CIP) designation and is trained in fire investigation and hazards, control of molds and intricacies of strata corporation claims.

    Expertise:

    • Motor Truck Cargo
    • Arson & Fire Investigation
    • Course of Construction
    • Property Scoping/Estimation
    • Premises Liability
    • Municipal Liability
    • Auto Bodily Injury
    • Marine
  • Toni Burt
    Adjuster
  • Toni Burt

    Adjuster

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    Toni began her insurance career in 2015. She brings a wealth of firsthand knowledge of construction, estimations, repair and customer service gained while working as a Property Manager. This experience has helped further her expertise in handling personal property, commercial liability as well as condo property assessment claims.

    Toni joined Kernaghan Adjusters in 2015 as an Adjuster in our Thompson branch. She is currently working towards her Chartered Insurance Professional (CIP) designation and is an accredited Residential Manager.

    Expertise:

    • Additional Living Expense
    • Mobile Homes
    • Property Scoping/Estimation
    • Sewer Back-up
    • Rental Income
    • Heavy Equipment Losses
    • French & English
    • Xactimate trained
  • John Michailidis
    Executive Adjuster, Toronto Assistant Manager
  • John Michailidis

    Executive Adjuster, Toronto Assistant Manager

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    John became an Independent Adjuster 15 years ago immediately after graduating from Centennial College. He initially specialized in accident benefits and bodily injury claims, including fraud investigation, and has since expanded his repertoire to include commercial and residential property, and casualty claims including large loss environmental claims. John has also handled several catastrophe claims throughout Canada.

    John is a valued member of the Toronto team. He is an active member of the Ontario Insurance Adjuster Association (OIAA) and the Insurance Institute of Ontario working to complete his CIP designation.

    Expertise:

    • Large Property
    • Personal Liability
    • Personal Property
    • Condo Property Loss
    • Structural Collapse
    • Host Liquor Liability
    • Contractors Equipment
    • Church Programs
  • John Dzandzurovski
    Executive Adjuster
  • John Dzandzurovski

    Executive Adjuster

    John began working as an insurance adjuster in the year 2000 at one of Canada’s largest insurers. In this position, John handled a diverse range of claims including, property, casualty, E&O, Auto, Bodily Injury, environment, large commercial claims, and many more lines of business. John advanced into the position of Control Adjuster for large organizations and municipality accounts. Later, John was appointed as Team Leader at this large insurer.

    John joins the KA team with over 20 years of claims handling experience. He enjoys the investigative aspect of adjusting and excels in the areas of negotiation, customer service, and building client relationships.

    John possesses the key traits of hard-working, super organized, customer focused and self-motivation. He is a graduate of the University of Toronto. In his spare time he enjoys watching sports and travelling.

    Personal Property/ Liability:

    • Additional Living Expenses
    • Boat/Motor Floater
    • Mobile Homes
    • Dwelling – Total Loss
    • Detached Structures
    • Tenants Improvement
    • Loss Assessment
    • Rental Income
    • Sewer Back-Up
    • Voluntary Property Damage

     Auto Commercial/Personal

    •    Non-Owned Auto
    • Physical Damage
    • Third-Party Property Damage

    Specialty Losses:

    • Catastrophe
  • Gautam Gandotra
    Senior Adjuster
  • Gautam Gandotra BE, CIP

    Senior Adjuster

    Since Gautam began his insurance career in 2011, he has gained a diverse and extensive range of experience. He is well-versed in handling property, commercial, auto and engineering claims. His strengths lie in settlement negotiation, damage evaluation, loss estimation, appraisals, and fraud identification. He brings a proven track record of providing exceptional client service and impeccable attention to detail to KA’s Toronto outfit.

    Gautam is a Mechanical Engineer graduate from the University of Pune, India. There he gained an understanding and passion for tech driven infrastructure and machines. Upon graduating, Gautam entered the insurance industry as a staff adjuster. While still in India he had risen to the roll of Claims Supervisor before moving to Canada in 2021. Since moving to Canada, Gautam has graduated from the Insurance and Risk Management program at Fanshawe College in London, Ontario.

    Throughout his claims career, Gautam has maintained that documenting each conversation and activity is paramount in avoiding disputes. His knowledge of industrial risk assessment techniques and qualitative assessment of a workflow has played an important role in loss minimization.

    Gautam’s eagerness to learn and team player characteristics make him a strong addition to the Ontario team. His understanding of the importance of urgent response and prompt settlement fits with the team’s ideals. Always seeking to progress himself, Gautam is currently working towards his CRM designation, having already acquired his CIP only eight months after enrolling.

    Personal Property/ Liability:

    • Additional Living Expenses
    • Dwelling – Total Loss
    • Detached Structures
    • Tenants Improvement
    • Loss Assessment
    • Flood

    Commercial Property:

    • Rental Income
    • Contractors’ Equipment
    • Condo Losses
    • Windstorm
    • Smoke
    • Contents
    • Building
    • Builders Risk
    • Church Programs

    Auto Commercial/Personal:

    • Bodily Injury
    • Heavy Equipment
    • Motor Carrier Liability
    • Non-owned Auto
  • Marie Gallagher
    Branch Manager / Senior Adjuster
  • Marie Gallagher FCIP, CRM

    Branch Manager / Senior Adjuster

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    Marie began her insurance career over three decades ago in administrative management, handling claims bordereaux and processing Lloyd’s of London claims. She quickly became fully licensed in all lines of general insurance and focused on commercial and personal auto, and commercial liability claims.

    Marie joined Kernaghan Adjusters in 2015 as the St. Catharine’s branch Manager. She served as a past President of both the OIAA (2006-2007) and the CIAA (2013-2014). Marie currently maintains a FCIP designation, as well as various certifications and awards from Vale Technical, The Insurance Institute of Canada, The Global Risk Management Institute Inc., the International Association of Arson Investigators, CIAA and OIAA.

    Expertise:

    • Auto Liability
    • Commercial and Personal Liability
    • Occupier’s Liability
    • Host Liquor Liability
    • Dog Owner’s Liability
    • Auto Accident Benefits
    • Sports Injury
  • Ian Gallagher
    Executive Adjuster
  • Ian Gallagher CIP

    Executive Adjuster

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    Ian entered the insurance adjustment industry in 1989. He has extensive experience in commercial and personal property, multi-million dollar fire and water related losses, as well as specialized expertise in private and commercial aviation claims. His aviation expertise includes major hull losses, mid-air collision, hanger fires, passenger hazard exposures and fatalities. He has also been involved in the unique area of claims involving entertainment and the media exposure associated with celebrities.

    Ian has been an integral member of Kernaghan Adjusters’ St. Catharine’s branch since 2015. He is actively involved in the industry, serving as past President of the Ontario Insurance Adjusters Association (OIAA) and maintaining his Chartered Insurance Professional (CIP) designation.

    Expertise:

    • Aviation Losses
    • Large Property
    • Personal Liability
    • Personal Property
    • Condo Property Loss
    • Structural Collapse
    • Host Liquor Liability
    • Contractors Equipment
  • Shanti Kumar
    General Adjuster
  • Shanti Kumar

    General Adjuster

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    Shanti Kumar began her career in the insurance industry in 1998 adjusting short term disabilities claims. She quickly advanced in her role and was offered a full-time position in the Death & Dismemberment claims department. In the following years she transitioned into Home and Auto Insurance working as a junior auto adjuster and eventually rising to the role of senior adjuster for the companies Property Unit.

    Shanti continued to expand her expertise working on accident benefits claims for the next 10 years.  As a multi-line adjuster, Shanti specializes in handling various Property, Commercial and Residential claims, Auto and Liability losses.

    Throughout her career she has been involved in committees working on various projects to improve work flow, build moral and increase cohesiveness. Shanti worked extensively with TD’s Friend of the Environment Program where her efforts allowed the charity to reach several of their key environmental goals.

    She successfully obtained her FLMI designation and is continuing to work towards obtaining her CIP designation.

    Shanti joined Kernaghan Adjuster’s Toronto branch in February 2019, and after a short leave, rejoined the team in December 2021. Her drive and desire to deliver customer service excellence make her a great addition to Kernaghan Adjusters’ Ontario Operation.

    Auto Commercial / Personal

    • Physical Damage
    • Auto Liability
    • Appraisal & Re-Inspection
    • Third Party Damage

    Commercial Liability

    • Fatalities & Accidental Death
    • Commercial General Liability
    • Errors & Omissions

    Commercial Property

    • Building
    • Contents
    • Hail
    • Hydro Electric Losses
    • Valuable Papers & Records
    • Windstorm

    Personal Property / Liability

    • Additional Living Expense
    • Boat / Motor Floater
    • Contents
    • Detached Structures
    • Flood
    • Dwelling – Total Loss
    • Property Scoping, Estimation &
    • Re – Inspection

    Xactimate Trained

  • Junior Ali
    Adjuster
  • Junior Ali BA

    Adjuster

    Junior embarked on his insurance career in 2010, initially working as a licensed insurance broker. He excelled in this role through developing a detailed understanding of the insurance product and his ability to quickly understand the needs of his clients. During his tenure as a Broker, Junior realized his true interest was in the claims industry.

    Junior’s journey led him to become a Property Damage Claims Adjuster at a large Canadian insurer, where he honed his skills in evaluating and managing claims with precision. Junior was quickly promoted to the role of Residential Claims Adjuster where he received multiple awards in customer service for his ability to empathize with homeowners facing difficult situations and navigate the intricacies of property-related claims.

    Junior went on to become a Senior Hybrid Claims Adjuster leading a team specializing in multi-line catastrophe claims. His experience in property damage and residential claims in combination with a deep understanding of complex insurance scenarios makes Junior a key member of the Ontario team.

    Junior is currently working towards his CIP designation. He completed a Bachelor of Honors degree at York University, with a focus on business and law. This educational foundation enriches his ability to navigate the world of insurance with finesse and expertise.

    Personal Property/ Liability:

    • Additional Living Expenses
    • Boat/Motor Floater
    • Mobile Homes
    • Dwelling – Total Loss
    • Detached Structures
    • Tenants Improvement
    • Loss Assessment
    • Rental Income
    • Sewer Back-Up
    • Voluntary Property Damage

    Auto Commercial/Personal

    • Non-Owned Auto
    • Physical Damage
    • Third-Party Property Damage

    Specialty Losses:

    • Catastrophe