Tampa Bay Claims Association is dedicated to the advancement of professional ethics and education in the field of insurance claims and related businesses in the Greater Tampa Bay Area. We focus on insurance education and positive engagement with Adjusters, Insurance Carriers and supporting Vendors. 

Ramon Flores | President

Ramon Flores

AGL Claims Representative , ESIS AGL Claims


Ramon Flores has over 15 years of experience in claims management within the insurance industry. After a 7-year stint in sales and customer service, he chose to return to claims management utilizing his extensive claims experience and skill set to once again make significant contributions in the insurance industry. He started his claims career in the South Florida area where he lived for most of his adult life but in 2015, he and his family moved to the Tampa area which he now proudly calls home. He has worked with both Standard and Non-Standard carriers such as CNA, State Farm, Permanent General and Hamilton Risk and is currently working as an Commercial Auto and General Liability Claims Representative with ESIS Insurance Company (a Chubb Company) working out of the Tampa Office in the Westshore area. 

Brenda Jones | Vice President

Brenda Jones

Senior Claims Specialist, Michael J. Curtin & Associates

Rose Cotten | Secretary

Rose Cotten

Frontline Home Insurance


Rose Cotten has been in the insurance industry since 1996. She started her career with The Hartford Insurance Company in Tampa as an auto liability adjuster. She moved to Wisconsin and continued her career with The Auto Group in 2005. In 2006, she moved back to Tampa with The Auto Group and currently works for their subsidiary Auto Club Insurance Company of Florida. She transitioned from auto liability to homeowner's claims in 2014/2015. She has participated as an arbitrator for Arbitration Forums and is also a current member of Blue Goose.

Lyn Dexter | Treasurer

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Adjuster/Investigator Transcynd Claim Partners

Tammy Kulakowski | Adjuster at Large

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Engle Martin & Associates, Specialty Loss Group Claims Support

Tammy has been in the insurance industry since 1986. She has her 440 and 620 licenses. She was an office manager of a restoration company for 18 years. She has worked for insurance agencies as well as insurance adjusting firms. In between the agencies and the adjusting firms, she did many years of marketing for restoration companies. Tammy currently works for Engle Martin & Associates and is happy to serve on the board of Tampa Bay Claims Association as she has been a long-time member since way back in the day.

Michele Richard | Vendor at Large

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I have spent 30 years in the Restoration Industry 20 as an owner of a Restoration company and 10 years in Commercial Restoration as a business development manager working both locally and nationally. I am a CHRT (Certified Healthcare Restoration Technician) I have successfully grown 3 companies into multi million dollar enterprises. I have a passion for this Industry and helping others grow their business. My background is in Healthcare, Senior Living, TPA’s and Commercial Property Management. I have also worked with Residential, Industrial and Retail among many other verticals.