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

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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

Tammy Kulakowski | Secretary

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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.

Lyn Dexter | Treasurer

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Adjuster/Investigator Transcynd Claim Partners 

Rose Cotten | Adjuster at Large

Rose Cotten Adjuster at Large

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.