David H String
Crystal River, FL
Summary
Senior Complex Claims Specialist with 40+ years of experience handling high-severity General Liability, Property, Excess Casualty, and Miscellaneous Professional Liability claims. Expert at reducing indemnity spend, controlling litigation costs, and delivering superior claim outcomes through strategic judgment, complex coverage analysis, and alternative dispute resolution. Trusted subject matter expert providing technical guidance, mentoring, and process improvements while ensuring compliance, audit readiness, and file integrity. Recognized for driving measurable financial impact on complex claims and emerging exposures.
Overview
20
20
years of professional experience
Work History
General Liability
Meritus Group
Cumming, GA
09.2025 - Current
- Manage 40+ high-severity excess property and casualty claims exceeding $3M in total exposure.
- Perform complex coverage analyses and draft detailed reservation of rights, denial, and position letters to mitigate litigation risk.
- Partner with underwriters, defense counsel, and external experts to drive favorable claim outcomes.
- Maintain precise documentation, diary management, and compliance across multi-jurisdictional claims.
Claims Consultant/Founder
David H. String Enterprises, LLC
Crestview, FL
08.2018 - Current
- Provide consulting, claim strategy, and oversight services to carriers, TPAs, self-insureds, and captives.
- Direct high-value commercial losses, coordinating with attorneys, engineers, forensic accountants, and
vendors. - Design and implement reporting tools and workflows to accelerate resolution and reduce financial exposure.
- Advise clients on indemnity control strategies, litigation avoidance, and high-severity claim mitigation
Property Claims Examiner
California Fair Plan
Los Angeles, CA
07.2025 - 09.2025
- Oversaw commercial and residential wildfire claims valued up to $7M, ensuring timely, compliant resolution.
- Collaborated with independent adjusters and defense counsel to minimize indemnity exposure.
- Implemented efficient claims handling practices during peak catastrophe claim volumes.
- Mentored junior examiners on complex coverage interpretation and loss analysis.
Senior Commercial Property Examiner
California Fair Plan
Los Angeles, CA
07.2023 - 07.2024
- Handled large, complex commercial property losses with exposures up to $5M.
- Provided technical guidance to claims teams and ensured compliance with internal controls and policies.
- Liaised with independent adjusters, engineers, and legal counsel to resolve complex loss issues.
- Streamlined claim workflows to improve cycle time and reduce financial risk.
Director of Risk Management
Hooters of America
Atlanta, GA
01.2022 - 07.2022
- Directed all General Liability, Dram Shop, and Workers’ Compensation claims across 17+ states.
- Implemented Claim Pilot Database and standardized claim handling procedures, reducing indemnity spend by $400K annually.
- Negotiated settlements exceeding 90% below initial demand, including a $75K resolution against a $1M Dram Shop demand.
- Collaborated with brokers and legal counsel to optimize insurance placements, reducing premiums by $12K.
Senior Claims Examiner/Director
Bankers Insurance & Weston Insurance
Miami, FL
03.2019 - 09.2020
- Managed large-loss claims exceeding $2M and $10M+, including Builders Risk, BOP, and windstorm coverage.
- Developed analytical tracking tools to monitor claim progress, reserves, and financial performance.
- Coordinated cross-functionally with internal leadership, counsel, and external vendors.
- Ensured regulatory compliance, audit readiness, and adherence to corporate standards.
CEO/Founder
NCP Group, LLC
Rockledge, FL
03.2011 - 07.2015
- Founded catastrophe claims adjusting firm generating $22M+ in revenue over four years.
- Designed and implemented CAT adjuster testing, onboarding, and training programs.
- Led operational, financial, and strategic planning across multi-state deployments.
- Built long-term carrier relationships and secured high-value catastrophe contracts.
Vice President/Catastrophe & Large Loss Division
Claims Service Corporation
Richmond, Va
03.2009 - 03.2011
- Launched new catastrophe and large-loss product lines.
- Secured $3.7M in revenue through targeted carrier and E&S; claims agreements.
- Managed high-severity property and casualty claims for excess and surplus lines clients.
- Provided leadership, mentoring, and escalation support for complex claim matters.
Assistant Vice President, Catastrophe Division
Custard Insurance
Columbia, SC
08.2005 - 03.2009
- Directed handling of 13,500 Hurricane Katrina claims within 120 days.
- Generated $13M+ in revenue through efficient catastrophe operations.
- Managed field adjusters and desk examiners to ensure accuracy and timeliness.
- Implemented quality control and process improvements for large-scale CAT events.
Education
Bachelor of Arts - Education
University Of Central Florida
Orlando, FLAssociate of Arts - General Education
Brevard Community College
Cocoa, FLSkills
- High-Severity Claims Management
- Indemnity Cost Control & Litigation Reduction
- Risk Assessment & Coverage Analysis
- Complex Claim Negotiation & Settlement
- Alternative Dispute Resolution
- Mentorship & Technical Leadership
- Regulatory Compliance & File Integrity
- Multi-State Claim Oversight
- Catastrophe & Large Loss Claims
- Strategic Process Improvement
- Subrogation & Recovery
- Fraud Detection & Investigation
- Claims Data Analytics & Reporting
- Insurance Policy & Contract Review
- Stakeholder & Vendor Collaboration
- Client Relationship Management
References
References available upon request.
Professional Affiliations
- Guest Speaker – PIPSO Conference (Chicago, IL; Marco Island, FL)
- Guest Speaker – NAMIC Conference (San Antonio, TX)
- Windstorm Insurance Network Appraiser & Umpire; PLRB; PCS CAT
Timeline
General Liability
Meritus Group
09.2025 - Current
Property Claims Examiner
California Fair Plan
07.2025 - 09.2025
Senior Commercial Property Examiner
California Fair Plan
07.2023 - 07.2024
Director of Risk Management
Hooters of America
01.2022 - 07.2022
Senior Claims Examiner/Director
Bankers Insurance & Weston Insurance
03.2019 - 09.2020
Claims Consultant/Founder
David H. String Enterprises, LLC
08.2018 - Current
CEO/Founder
NCP Group, LLC
03.2011 - 07.2015
Vice President/Catastrophe & Large Loss Division
Claims Service Corporation
03.2009 - 03.2011
Assistant Vice President, Catastrophe Division
Custard Insurance
08.2005 - 03.2009
Bachelor of Arts - Education
University Of Central Florida
Associate of Arts - General Education
Brevard Community College