About Us

LTD's insurance claims adjusters provide high quality liability claim investigations and litigation support at the most competitive rates in Oklahoma, Southeast Kansas and Southwest Missouri. 

LTD carries E & O coverage. A copy of the declaration can be provided upon request. 

Thomas J. Dugan

Oklahoma Adjuster 807729
NPN 7267553
Oklahoma State University BS 1989 Management/ Human Resources
Continuing Education Northeastern State University Finance/ Marketing

After graduating from Oklahoma State University in 1989, Mr. Dugan went to work for the Oklahoma State Health Department as a Disease Intervention Specialist. This position required a high degree of investigative and communicative skills due to the nature of the investigations.

Mr. Dugan’s insurance claims experience began while working with Tulsa area law firms. These duties included investigations on bodily injury claims, medical reviews, preparation of settlement demands and the handling of worker’s compensation claims.

Mr. Dugan worked as a multi-line claims adjuster for Hanover Insurance including workers compensation. When the position at Hanover was eliminated, he went to work for the State Insurance Fund handling complex workers compensation claims. In March of 2000, Mr. Dugan started LTD Claims, serving as an independent adjuster and medical practice consultant. His services include assisting insurance companies, law firms and medical providers in the investigation, negotiation and settlement of liability claims.

Mr. Dugan has extensive liability and medical claims experience. He has participated in over 100 mediation/court ordered settlement conferences. Mr. Dugan is licensed in Oklahoma for casualty and workers compensation claims.   

Craig Hodge

OK Adjusters License 122479
NPN 133550
Cameron University BS Business Administration 1986

Mr. Hodge began his insurance career with Hartford Insurance in 1987 as multi-line staff adjuster. During his tenure he handled property and liability claims, including property and auto appraisals.

In July of 1989 he went to work for Hanover Insurance serving as a multi-line adjuster. He served in several positions including inspecting and writing appraisals on auto physical damage losses, fire and storm losses on both personal and commercial lines policies, medical payments, PIP, uninsured motorist, auto bodily injury, general liability property damage and bodily injury, subrogation and litigation. He served as a litigation adjuster from 1993-1998. He remained at Hanover Insurance as a field adjuster from 1998 until the claims office closed in 2010.

Mr. Hodge has participated in over 400 mediation/court ordered settlement conferences. He has been with LTD Claims Management since 2010 and specializes in the handling of large liability claims. Mr. Hodge is licensed to work casualty claims in Oklahoma and Texas.