From Coast To Coast,
Our Adjusters Deliver Exceptional Service

Find an Adjuster
  • Patti Kernaghan
    President & CEO
  • Patti Kernaghan FCIP, CRM, FIFAA, FCIAA

    President & CEO

    Download vCard for Patti Kernaghan

    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

    Download vCard for Scott Hughes

    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

    Download vCard for Owen Watson

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

    Alberta Regional Manager

    Download vCard for Rosario Ray

    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
  • Grant Rerie
    MB Regional Manager
  • Grant Rerie CRM

    MB Regional Manager

    Download vCard for Grant Rerie

    Grant began his insurance career in 1980, becoming an IA in 1986 handling multi-line claims. He attended the University of Winnipeg for Risk Management, Building Construction at Red River Community College, and completed numerous intensive educational programs related to building damage estimating. These qualifications allow Grant to effectively assess building losses for residential and commercial claims and assist in the critical analysis of scopes. Grant has also worked extensively with heavy equipment and trucks, making him an expert in the areas of commercial transportation, equipment and cargo losses.

    Grant joined our Winnipeg Team in 1997 and became Manitoba Regional Manager in 2009. Since then he has grown to become a key member of our Senior Management Team, and Transportation Team. He is heavily involved in the industry, acting as Secretary Treasurer for the Winnipeg Chapter of the Canadian Association of Fire Investigators (CAFI), current Chair of the Adjusters Council, and sitting on the Insurance Council of Manitoba (ICM). Grant continues to provide inspiration to all adjusters in his region, leading the way with his enduring and professional dedication to mentorship and commitment to education.

    Expertise:

    • Pre/Post-delivery Inspections
    • Load Securement
    • Heavy Equipment Losses
    • Arson & Fire Investigation
    • Boiler & Machinery
    • Property Scoping/Estimation
    • Dwelling – Total Loss
    • Home Warranty
  • Dennis Schembri
    VP Ontario & Atlantic Canada Operations
  • Dennis Schembri CIP, CFEI

    VP Ontario & Atlantic Canada Operations

    Download vCard for Dennis Schembri

    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

    Download vCard for Phil Harris

    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
  • Balvinder Cheema
    Executive Adjuster
  • Balvinder Cheema CIP, WRT

    Executive Adjuster

    Download vCard for Balvinder Cheema

    Balvinder is a well-known and respected All-Lines Adjuster, with almost 30 years of claims handling experience. Bal’s insurance career began shortly after graduating from University of Delhi, India, where he had earned a BA degree in 1992. He continued to work in this field when he moved to Canada in 2008.

    During his time in the industry, Bal has gained a reputation as an expert Commercial and Residential Property Adjuster. He recognizes the importance of great customer service and is motivated by the opportunity to help insureds through adverse situations.

    Bal’s strong interpersonal skills, his fluency in English, Hindi, and Punjabi, combined with his love for both domestic and international travel, have provided him with a deep sense of culture and tradition which greatly benefits our clients. He is gifted in developing friendly and professional relationships built upon trust and service excellence.

    Commercial Property:

    • Business Interruption
    • Builders Risk
    • Condo Loss Assessments
    • Course of Construction
    • Crime
    • Flood
    • Extra Expense
    • Stock & Equipment
    • Rental Value
    • Contingency

    Personal Property:

    • Large Loss
    • Additional Living Expense
    • Personal Liability
    • Dwelling – Total Loss
    • Sewer Back-Up
    • Mobile Homes
    • Loss Assessment
    • Rental Income
  • Mobin Minto
    Senior Adjuster
  • Mobin Minto BCOM, BSIE

    Senior Adjuster

    Download vCard for Mobin Minto

    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

    Download vCard for Eric O'Dell

    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

    Download vCard for Russell Sorsdahl

    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
  • Cam Fortems
    Adjuster
  • Cam Fortems

    Adjuster

    Download vCard for Cam Fortems

    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

    Download vCard for Tony Read

    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
    Senior Adjuster
  • Mark Graw CIP

    Senior Adjuster

    Download vCard for Mark Graw

    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
  • Glenn Labelle
    Senior Adjuster
  • Glenn Labelle CIP

    Senior Adjuster

    Download vCard for Glenn Labelle

    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
  • Tamara Solomon
    Adjuster
  • Tamara Solomon

    Adjuster

    Download vCard for Tamara Solomon

    Tamara Solomon has been active in the insurance industry since 2003. She began her insurance career as an Adjuster Trainee with a large insurance firm in Calgary, training in the areas of automobile, accident benefits and property adjustment. Tamara quickly discovered her affinity for automobile claims and commercial liability losses. This has been her main body of work and area of expertise since 2003. Tamara obtained her general adjuster’s license in 2008.

    Tamara joined the Kernaghan Adjusters team in 2019 as an Adjuster and is focused on obtaining her CIP designation.

    .

    Expertise:

    • Auto Liability
    • Vehicle Theft
    • Physical Damage
    • Third Party Property Damage
    • Heavy Equipment Losses
    • Recreational Vehicles
    • Automobile Appraisal & Re-inspection
    • Catastrophe
  • Stephanie Wood
    General Adjuster
  • Stephanie Wood CIP

    General Adjuster

    Download vCard for Stephanie Wood

    Stephanie started her insurance industry career in 2001 as a claims dispatcher, specializing in appraisals for automobile, heavy equipment, commercial vehicles and transportation losses. In 2002 she began adjusting auto claims, quickly distinguishing herself as a total theft expert. Stephanie soon transitioned into property adjusting focusing on residential and commercial property losses, including fire, theft of personal property, sewer back-up, water damages, and vandalism. She has participated in numerous catastrophes and is an active member of the KA CAT Team.

    In 2013, Stephanie joined KA’s Edmonton branch. She has achieved her Chartered Insurance Professional (CIP) designation and is Xactimate trained.

    Expertise:

    • Motor Truck Cargo
    • Building
    • Personal Property & Liability:
      • Property Scoping/Estimation
      • Additional Living Expense
      • Condo Loss Assessment
      • Physical Damage
      • Catastrophe
  • Jon Fonseca
    Adjuster
  • Jon Fonseca CIP

    Adjuster

    Download vCard for Jon Fonseca

    Jon’s insurance career began in 2013 as a broker. His responsibility was getting to know the needs of his personal and commercial clients intimately to find the right insurance coverage for them. He matched various manufacturers, restaurants, and contractors with auto, property, and CGL policies that best fulfilled their needs. Jon excelled and building and maintaining valuable relationships built on trust and integrity with his client base.

    Jon believed that his true interests lay in claims handling. He accepted his first position as an auto adjuster handling first and third-party claims under personal, small business, and fleet policies. Jon soon expanded his expertise into casualty, managing injury claims, and routinely attending settlement meetings, mediations, and judicial dispute resolutions.

    After seven years adjusting claims, Jon accepted a new role as part of the Special Investigations Unit at one of Canada’s largest insurers. Here, Jon investigated and resolved an array of different claim types and scenarios, the majority of which were fraudulent or not covered. Within two years, Jon was promoted to Claims Examiner.

    Jon joined Kernaghan Adjusters in July, 2022 as a Multi-Line Adjuster. After working from home for a prolonged period examining files, Jon cites getting back out on the road, meeting people face-to-face, and helping insureds back on their feet after a loss as the reasons he will always love being an adjuster.

    Personal Property & Liability:

    • Additional Living Expense
    • Rental Income
    • Sewer Backup

    Commercial Property:

    • Condo Loss Assessment
    • Course of Construction
    • Flood
    • Strata Losses
    • Building

    Auto Personal/ Commercial:

    • Third Party Property Damage
    • Accident Benefits
    • Bodily Injury

    Specialty Losses:

    • Catastrophe
    • Special Investigations
  • Brenda Elliott
    Senior Adjuster
  • Brenda Elliott CIP

    Senior Adjuster

    Download vCard for Brenda Elliott

    Brenda Elliott began her career in insurance as a member of our Calgary, Alberta branch in 1980.  During her initial tenure at KA, Brenda investigated and settled automobile, transportation/cargo, bodily injury, liability and property claims.

    In 1982 Brenda joined a major insurance company, working in their adjusting and appraisal subsidiary. She broadened her claims experience to include complex legal matters often requiring court appearances. In 1987, Brenda relocated to Montreal, taking on a claims-related position with a large brokerage firm.  In this period, she gained valuable experience and expertise in the analysis of professional Liability claims.

    Brenda returned to our Calgary office for five years in the 1990’s, and resumed service with KA again in 2006.  As a senior member of the Calgary branch, she is an integral part of the Kernaghan Alberta team. Brenda has successfully acquired her Chartered Insurance Professional (CIP) designation, as well as completing numerous courses in Business Administration. Her proven expertise lies in thorough investigations and effective interviewing techniques.

    Widely acknowledged as a leading professional in the Calgary market, Brenda Elliott has a reputation for delivering quality adjustment in a timely manner.

    Auto Commercial Personal

    • Accident Benefits
    • Bodily Injury
    • Appraisal & Re-Inspection
    • Motor Carrier Liability
    • Physical Damage
    • Third Party Property Damage

    Commercial Liability:

    • Bodily Injury
    • Church Programs
    • Premise Liability
    • Occupiers’ Liability
    • Tenants’ Legal Liability

    Commercial Property:

    • Manufacturing
    • Motor Truck Cargo
    • Sports Injury

    Personal Property:

    • Personal Liability
    • Voluntary Property Damage

    Specialty Losses:

    • Special Investigation
    • SIU Fraudulent Claims
  • Elizabeth Patrick
    General Adjuster
  • Elizabeth Patrick

    General Adjuster

    Download vCard for Elizabeth Patrick

    Elizabeth began working with Kernaghan Adjusters in 2012 as an Administrative Assistant, having acquired strong organizational skills as a legal secretary and valuable general knowledge about the insurance industry and the operations of the claims adjusting sector. During this period of administrative support work with KA, Elizabeth studied for her Adjuster license, and obtained that qualification in 2014.

    Elizabeth is currently serving as an Adjuster, maintaining a strong focus on Bodily Injury and Accident Benefits specialization while also handling various other types of claims. Adjusting requires strong interpersonal and communicative skills, a strict adherence to procedure and detail, and a willingness to always put the client first.  In this regard, Elizabeth is among our most thorough claims adjusters.

    Elizabeth believes in the importance of continued learning and the expansion of professional skills, and is currently working towards her Chartered Insurance Professional (CIP) designation.

    Auto Commercial/Personal:

    • Third Party Property Damage
    • Auto Bodily Injury
    • Accident Benefits
    • Physical Damage
    • Bodily Injury

    Commercial Property:

    • Fleet

    Personal Property/Liability:

    • Additional Living Expense
    • Sewer Back-up
  • Terri-Lynn Neniska
    Branch Supervisor / Senior Adjuster
  • Terri-Lynn Neniska

    Branch Supervisor / Senior Adjuster

    Download vCard for Terri-Lynn Neniska

    Terri Lynn began her insurance industry career in 1995 in Kernaghan Adjusters’ Kenora branch. She is highly experienced in the handling of various types of claims, including commercial property, transportation/cargo, equipment, sewer backups, and large fire claims. She also has extensive experience with hail and flood events.

    Terri Lynn opened Kernaghan’s Grande Prairie branch in 2017 as branch Supervisor / Senior Adjuster. She is a past member of the Insurance Institute of Ontario, the Ontario Insurance Adjusters Association, and the Northwestern Ontario Insurance Professionals. She has completed Xactimate software training and is Currently working towards her Chartered Insurance Professional (CIP) designation.

    Expertise:

    • Pre-/Post-Delivery Inspections
    • Environmental Cleanup
    • Motor Truck Cargo
    • Additional Living Expense
    • Mobile Homes
    • Sewer Back-up
    • Property Scoping/Estimation
    • Personal Liability
  • Cassie Gieg
    Adjuster
  • Cassie Gieg

    Adjuster

    Download vCard for Cassie Gieg

    Cassie began her career in the insurance industry as an Administrative Assistant in Kernaghan Adjusters’ Flin Flon branch. Mentored by a Senior Adjuster who provided her with valuable claims handling knowledge, Cassie quickly gained an understanding of the adjusting side of the business.

    Cassie is licensed in Manitoba and Saskatchewan. In her an ongoing commitment to industry education, she is currently working towards her Chartered Insurance Professional (CIP) designation.

    Expertise:

    • Appraisal & Re-Inspection
    • Motor Truck Cargo
    • Property Scoping/Estimation
    • Fire Investigation
    • Large Loss Fire
  • Toni Burt
    Adjuster
  • Toni Burt

    Adjuster

    Download vCard for Toni Burt

    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
    Senior Adjuster
  • John Michailidis

    Senior Adjuster

    Download vCard for John Michailidis

    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
  • Marie Gallagher
    Branch Manager / Senior Adjuster
  • Marie Gallagher FCIP, CRM

    Branch Manager / Senior Adjuster

    Download vCard for Marie Gallagher

    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

    Download vCard for Ian Gallagher

    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

    Download vCard for Shanti Kumar

    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

  • Lori Ryther
    Senior Adjuster/Branch Manager
  • Lori Ryther BA, CIP

    Senior Adjuster/Branch Manager

    Lori has over 25 years of claims experience, specializing in the handling of complex Bodily Injury & Accident Benefits automobile claims and Liability claims.

    Lori was first introduced to the Insurance industry during University when she worked part-time with a relative to help cover her living expenses. This led to an unexpected full-time career in insurance. Lori spent 13 years working as an adjuster and Branch Manager with a reputable adjusting company which she saw grow to a large national firm.  Lori then moved to a small and highly regarded family operation where she spent the next four years. Having gained valuable experience and expertise, she founded her own Insurance Adjusting company in 2008, which is still successful today.

    Lori is an all-lines adjuster, having completed her A.I.I.C./CIP designation. She lends her successful track record in claims management to her extensive expertise and natural ability to be a reassuring influence on an insured’s claim experience. Her exceptional attention to detail and utmost professionalism makes her an industry leader. She takes pride in handling each claim on a unique and individual basis, always striving to bring the claim to a satisfying conclusion for all involved.

    Lori believes continuing education is important in order to stay current with industry practices as they evolve. Her life experiences allow her to easily generate rapport with both first & third-parties with ease, as well as counsel.

    Outside of work, Lori enjoys skiing, biking, hiking and camping with her family, and two golden retrievers. Our Ontario team are excited to welcome Lori as she tackles this new chapter in her insurance career as Branch Manager at KA.

    Auto Commercial/Personal:

    • Accident Benefits
    • Auto Bodily Injury
    • Third Party Property Damage
    • Physical Damage

    Commercial Liability:

    • Occupier’s Liability
    • Fatalities & Accidental Death
    • General Liability
    • Occupiers’ Liability

    Personal Property & Liability:

    • Additional Living Expense
    • Personal Liability

    Commercial Property:

    • Motor Truck Cargo
    • Manufacturing

    Specialty Losses:

    •    Marine
  • Scott Lynds
    Senior Adjuster
  • Scott Lynds CIP

    Senior Adjuster

    Download vCard for Scott Lynds

    Scott began his insurance industry career in 1984 as a Multi-Lines Sales Agent. He soon gained a keen interest in the claims process which lead him to take a role as a Property & Casualty Adjuster. His desire to broaden his knowledge and expertise led Scott to the Independent Adjusting sector of the industry. Scott has developed extensive expertise in large complex commercial property, catastrophic bodily injury, liability, personal watercraft, wet marine, environmental claims and CAT claims.

    He returned to Kernaghan Adjusters’ Halifax branch as a Senior Adjuster in 2017. Scott has his Chartered Insurance Professional (CIP) designation and maintains an exceptional reputation in the Halifax market.

    Expertise:

    • Condo Losses
    • Arson & Fire Investigation
    • Sewer Back up
    • Windstorm & Hail
    • Auto Liability
    • Bodily Injury
    • Environmental Liability
    • Major Loss Adjuster