Rico is a licensed Civil Engineer with more than 20 years of experience as a Fire Adjuster across several adjustment companies, including a stint as a Cebu Branch Manager for 4 years.  He was a cargo surveyor and fire adjuster for 10 years with a multinational adjustment company.  He joined Universal in January of 2000 as a Senior Adjuster in our Fire and Engineering Services Division and has handled numerous Engineering claims, particularly Construction All Risk (CAR) policies.