Thomas E. Kosterman is President and CEO of Kosterman Multi-Line Services, Inc. and CATRAM Incoporated, an Independent Adjustment Company and Catastrophe Team. Both companies are domestic Florida corporations.

Mr. Kosterman attended the University of Maryland where he obtained a Master’s Degree in International Relations, Comparative Politics & International Law. His concentration of study was in Europe and Africa. He began his insurance career with Nationwide Insurance Company in 1978. He then went to work for Seibals, Bruce & Company as a field claims representative. He held that same position with Foremost Insurance Company for eight years. Mr. Kosterman completed numerous catastrophe tours with Foremost in the process. He started Kosterman Multi-Line Services, Inc. (KMS Inc.) in 1992 and has over twenty-eight years experience handling multi-line claims. Mr. Kosterman participates in the appraisal process and is a Certified Umpire.

As a licensed all lines independent adjuster in both Florida and Texas, Mr. Kosterman holds a Casualty Property Claims Law Associate (CPCLA) & a Certified Mold Remediator (CMR) designation. He also is Residential Condominium Building Association Policy (RCBAP) certified with the National Flood Program (NFIP). KMS, Inc. is a member of NACA, CADO & The Indoor Air Quality Association (IAQA).