Our Team

Tom Corner, Partner

Tom Corner started his insurance career in 1981 as a company adjuster and became an independent adjuster a few years later. He is all-lines licensed and holds FCIP and CFEI designations. Tom has handled a wide range of claims including, a multi-million dollar grocery store fire, massive water damage claims, catastrophic injuries, large fiduciary bond losses, sport injuries, products liability and CAT losses (eg. Quebec Ice Storm). Tom has been on insurance executive boards of the OIAA and The Insurance Institute and is the recipient of the David McLaughlin Insurance Award for his contributions to the insurance industry and community. He is also a contributor to the industry magazine called "WP". In his spare time, Tom has been a player, coach and volunteer board member for various sports organizations.


Steve Higgins, Partner

Steve Higgins began his adjusting career in 1981 with a major independent adjusting firm. Seven years later in 1988, Steve partnered with Mark Santucci to found Santucci and Higgins Adjusters Inc, in Hamilton. After a successful partnership of 16 years, the firm became Claims Services International (CSI) and the company has since successfuly grown to cover the Greater Toronto Area as well as Hamilton and the Niagara Peninsula. For more than 30 years, Steve has met the challenges of succeeding as a principal in an independent adjusting firm and has handled a vast array of complex claims as well as managing teams in a catastrophic claim scenario. Steve is fully licensed in all lines by the Financial Services Commission of Ontario.


Matt Connon

Matt Connon started adjusting automobile claims in 1989 and became an all-lines adjuster in 1990. Matt has handled large farm losses, complex government liability claims (including road liability and malicious prosecution), and multi-million dollar commercial and residential property losses. He worked as a control adjuster for a national trucking account and he is presently the control adjuster for a local school board where he has handled large property claims, often involving complex asbestos abatement. Matt received his Honours BA from Wilfred Laurier University and holds a Certified Insurance Professional designation. In addition, he has an all-lines Independent Adjuster's license from the Financial Services Commission of Ontario.


John Mah

John Mah started his career as an insurance adjuster in 1987. Since that time, John has gained much experience in appraising Automobile Physical Damages, handling small to medium sized residential and commercial property losses. This also includes Liability losses in property and automobile bodily injury.

In addition, John has experience in many CAT losses including hail storms, sewer backups and ice storms.

John has a Bachelor of Arts Degree from Wilfrid Laurier University. John has his CIP designation and holds an Independent Insurance Adjuster license in Property and Liability.


Michela Philpott

Michela Philpott started adjusting claims in 1995 and has acquired experience in a field and non-field capacity and catastrophic and non-catastrophic capacity. In her tenure at CSI, she has adjusted claims from PD/Auto; Accident Benefits; Liability to Residential and Commercial Fire losses. She presently focuses on Property and Casualty claims. She is a Certified Insurance Professional and is licensed to adjust all lines of claims in the Province of Ontario.


Connor Higgins

Connor Higgins started his career as an insurance adjuster in 2011 while working for Aviva Canada. During his 7 years at Aviva, Connor has experience in handling multiple lines of claims specializing primarily in auto physical damage and bodily injury/products liability. He was an integral part of the Claims Resolution Team which spear-headed the anti-fraud movement in the G.T.A. for Aviva Canada. He also worked in the litigation unit handling complex slip and fall claims, dog bites, products liability and various other CGL claims. Connor has been involved with CAT losses in both Alberta and Ontario. Including experience with property claims, he has adjusted all lines of claims within the Province of Ontario.


Brad Galster

Bradley has been adjusting in various roles since 2002. Bradley has worked on several CAT teams ranging from the Fires in British Columbia to the Floods in Ontario. Bradley has supervised a high performing Commercial Based Team, facilitated Claims Training Schools with a major insurer as well as adjusted multi-million dollar Builders Risk losses, Large and complex Commercial Losses and total loss residential fires resulting in several successful appraisal awards for his clients.


Maryann Morrow

Maryann began her Insurance career in 2002 working as a Registered Insurance Broker. Her duties included managing large accounts together with underwriting and claims management. Her expertise in the claims area includes Property and Casualty, Accident Benefits as well as Auto property damage and Bodily Injury. Maryann also has experience in CAT claims.


Special Investigations Unit Team

Owen Gray

Senior Investigator.
Fraud, Arson and Interviewing Specialist.

Owen is a dedicated and enthusiastic investigator with over 30 years of experience in performing and at times training others in law enforcement, procedural compliance, and investigations involving fires, fraud, crime, injury, risk assessment, and property damage. He has a demonstrated track record of effectively solving problems in high-stress environments and reading situational cues during complex investigations. Owen is a skilled interviewer and focuses his investigations on success for his clients. Owen fosters a supportive and positive team culture as a leader. Owen has extensive experience dealing with delicate cases, from difficult fire and fraud events to high dollar thefts and break ins. Athletic and passionate about giving back to the community, Owen has been involved as a coach for hockey and lacrosse teams in Milton, Guelph and Halton Hills. Owen is also a Veteran of the Canadian Armed Forces Reserve.


Greg Andrews

Greg started his policing career with the Toronto Police Service in 1976 and retired after 30 years of active service. During his career Greg worked in numerous units within the police service some of which included uniform duties, instructor at the Toronto Police College, specialized major case unit investigating major break and enters through the city, as well Detective in the Homicide Squad. During his assignment at the police college Greg instructed fellow officers on investigative techniques and statement taking. Greg was tasked with many types of investigations including arson, major burglaries, vehicle thefts and suspicious car fires. Before retiring Greg received the Exemplary Service Medal from the government of Canada.


Computer Forensics

Ashraf Badir B.Sc. M.Sc. Eng.

Ashraf has over 30 years of direct experience in electronics and computer engineering. He hosts a wealth of international work experience directly relating to electronics and computer engineering and has expanded his skills in these areas through applied practice. Ashraf is trained professional in the field of computer forensics and data recovery.