| CAREERS BLOG
Chad Trosper
October 2025
My name is Chad Trosper, and I’m the AVP of Claims and Meteorology at Tower Hill Insurance Group.
I started my career out of college in the construction industry. I enjoyed this line of work and learning how homes were built. After a few years, I decided to move over to insurance and worked at various companies. When the 2004/2005 storms hit, my company asked me to relocate to Orlando to handle claims as a Catastrophe Field Adjuster. I fell in love with this role. Later, I was deployed for over 6 months to work Hurricane Katrina and Rita claims as a regional trainer. I also worked as a Regional Consultant, where I implemented performance improvement strategies for all eastern claims divisions.
After several positions in different companies, I decided to take the leap and came to Tower Hill in 2016 as a CAT Manager. When I interviewed with Tower Hill, I was impressed by the family atmosphere. There was a sense of community and friendship that I wanted to be a part of.
My main role in Claims is to make sure that we are prepared to handle up to a 100,000-claim event. This involves making sure we have adequate contracted commitments for both the Field and Desk Adjustors, continuously improving our CAT Plan and training curriculum, and keeping enough Catastrophe teams active year-round to support our turn-key response model. I also make sure our Tower Hill Field Adjustors meet monthly goals, remaining properly staffed and positioned while maintaining quality performance throughout the year.
“When there is a storm approaching, I love monitoring the system as it builds, forecasting it and preparing. I get a huge adrenaline rush. Then, seeing it all come together really gives me a huge sense of pride.”
As for my role as AVP of Meteorology, I monitor weather year-round across all serviced states. To do this, I utilize many systems to help me forecast possible severe weather, determine PIF exposure and forecast potential claim volume to make sure our claims teams are properly prepared.
When a major storm or natural disaster occurs, our Catastrophe Response Plan enables us to handle up to a 100,000-year-claim event. We contract and deliver training yearly to over 20 IA vendors across the US to make sure we have the resources to meet this need. As a storm approaches, I will determine timelines, exposure and potential claim volume. The executive team initiates calls to ensure all internal departments are prepared. We then hold separate meetings with our active turn-key catastrophe response teams, who are ready to deploy quickly and handle up to 10,000 claims on Day 1. The benefit of having this model in place is the ability to hit the ground running on Day 1, while allowing us additional time to properly deploy/activate any additional vendor resources.
My proudest moment at Tower Hill was my ability to keep my cool during Hurricane Irma. I was only about a year into my role when Irma hit and my AVP stepped down. I was asked to lead the response effort in his absence. With all the obstacles that came with Irma (too many to list), I feel that I stayed the course and fought my way through them. I don’t take pride in many things, but I was proud of myself that I stayed loyal to my role and stuck through it.
Once, I handled a claim where an insured destroyed their home. When I arrived, the house was demolished with shotgun holes. Walls, ceiling, cabinets, everything was destroyed. When I spoke with the insured to get the details, he told me this:
“I have been dealing with a squirrel on my feeder out back for months. I have tried everything to prevent this thing from eating all my bird food. So yesterday I went out to scare it away and it ran into my house. I tried to catch it for hours. It then knocked over my wife’s fingernail polish and started tracking it throughout the house. That’s when I lost it and grabbed my shotgun. I tried to shoot the squirrel but kept missing.”
After the statement, he looked at me and said, “look behind you.” I turned around and there was the squirrel on the bird feeder with purple feet.
As for the coverage, well I covered the claim in full as the insured was not intentionally trying to damage his home, he just made a bad choice on how to get a squirrel out of it.