Joseph M. Junfola, CPCU has been in the insurance industry for 37 years, the last 22 of which have been spent at a major surplus lines insurance carrier as a claims officer. Joe specializes in long-term exposure, or continuous injury/damage, claims, in particular construction defect and product liability claims, and he also handles design professional liability claims. Joe holds numerous industry professional designations. He created and conducts the webinar/workshop series, Cause and Effect: Managing the Construction Defect Claim. Published articles include Allocation in Continuous Damage Claims, CPCU eJournal, February 2011 and Perspectives on the Mediation Process and Its Participants: How and Why People Mediate – The Claims Professional’s Perspective, FDCC Quarterly, Winter 2012. Joe is a graduate of LaSalle University in Philadelphia and resides in Washington Township, New Jersey. He is past-president of a small condominium association in Cape May, NJ. He is also a member of the CPCU Society and other professional organizations.