Guiding policyholders, businesses, and industry professionals to better outcomes.
With 18+ years spanning Risk Engineering at FM Global, Production Underwriting at AFM (FM Global's middle market subsidiary), and National Property Underwriting at Travelers, I've seen property insurance from every angle. Today, through Minalya Inc, I bring that full-spectrum expertise to anyone who needs it — whether you're navigating a difficult claim, questioning your coverage, managing risk, or seeking a seasoned consulting partner.
Nationwide. Fully remote. Available to policyholders, brokers, MGAs, and businesses.
Whether you're a homeowner facing a difficult claim, a business managing complex risk, or an industry professional seeking a seasoned consulting partner — Minalya Inc has the expertise to help.
Navigating a fire, water, smoke, or storm damage claim is overwhelming. I help you understand your rights, document your loss properly, and ensure you receive a fair and complete settlement.
Complex commercial claims require deep policy knowledge and technical expertise. I bring 18+ years of underwriting and engineering experience to maximize your recovery and protect business continuity.
Need a seasoned consulting partner on an ongoing or project basis? I provide technical risk analysis, underwriting support, policy review, and expert guidance for insurance industry professionals.
Each service is built around 18+ years of institutional property insurance experience — delivered at the individual level, remotely, nationwide.
Is your insurance settlement offer fair?
You've filed a property damage claim and received an offer — but you're not sure it's right. Before you accept, get a professional second opinion. I review your claim file, damage documentation, and policy language to determine whether you're being shortchanged and by how much. You receive a clear written analysis with findings and specific next steps. This is a standalone paid advisory service, distinct from public adjusting.
Full licensed representation in your property claim.
When you need a dedicated professional managing your entire claim, I step in as your licensed Public Adjuster. I represent you through every phase — documenting the full scope of loss, building your case, and negotiating your settlement. This is complete end-to-end advocacy. My fee is a percentage of the settlement recovered on your behalf. If I don't recover more for you, you pay nothing.
Do your coverages actually match your risk?
Most property owners discover a critical coverage gap after a loss — when it's too late. I review your commercial or residential property insurance policy from the perspective of a former national underwriter, verifying limits, sub-limits, co-insurance clauses, endorsements, and exclusions against your real-world risk profile. You receive a professional written report with specific, prioritized recommendations.
Identify vulnerabilities before they become losses.
Drawing on my FM Global field engineering background — where I evaluated fire protection systems, structural resilience, and natural hazard exposures for industrial facilities — I provide institutional-grade property risk assessments for commercial properties and portfolios. You receive a comprehensive, prioritized report identifying physical and operational vulnerabilities and practical loss-prevention strategies.
Institutional expertise on demand for industry professionals.
Insurance brokers, managing general agents, and carriers sometimes need a seasoned technical resource they can rely on — without adding to headcount. I offer flexible consulting engagements — billed hourly, by project, or structured as an ongoing monthly arrangement — drawing on 18+ years across field engineering, production underwriting, and national account management. All engagements are remote and tailored to your specific scope.
My career began on the ground at FM Global — testing fire suppression systems, evaluating structural hazards, and assessing catastrophe exposures for heavy industrial facilities. That engineering foundation shaped everything that followed: production underwriting at AFM (FM Global's subsidiary for middle market and large commercial accounts), where I underwrote complex property portfolios to HPR standards, and ultimately a national account executive role at Travelers managing shared and layered programs for major corporate clients with national brokers like Aon, Marsh, and WTW.
Today, through Minalya Inc, I offer that same depth of knowledge as an independent consultant — helping policyholders, brokers, MGAs, and businesses navigate the full complexity of property insurance with clarity, confidence, and results.
No matter which side of the insurance transaction you're on, you deserve access to someone who truly understands the whole picture.
Field engineer, account engineer, production underwriter, national account executive, licensed public adjuster, and general contractor. I've operated on every side of property risk — and that breadth is what I bring to every engagement.
Most consultants specialize in one area. My combination of HPR field engineering (FM Global), commercial property underwriting across middle market and large accounts (AFM) and national corporate accounts (Travelers), and licensed general contracting creates a perspective on property risk that very few professionals — anywhere — can match.
Every service I offer is designed to be delivered remotely without sacrificing depth or quality. I serve clients anywhere in the United States — no geographic limitations.
Claim Reviews are flat-fee advisory services (fee quoted based on claim complexity). Public Adjusting is contingency-based (no upfront cost). Policy Reviews and Risk Assessments are project-fee. Broker and MGA consulting is billed hourly, by project, or monthly. Clear, professional, no surprises.
When you engage Minalya Inc, you work with me — not a call center, not a junior associate. The same person who managed multi-million dollar national property portfolios at Travelers is reviewing your case.
Years of property insurance expertise spanning field engineering, national underwriting, and claims advocacy
Every engagement follows a clear, structured process — whether you're a homeowner with a fire claim or a broker seeking a consulting partnership.
We discuss your situation — a claim, policy concern, risk question, or consulting need. No charge, no commitment.
Your documents, policy, or property information are reviewed with institutional rigor — the same standard I applied at FM Global, AFM, and Travelers.
You receive a clear written report, action plan, or negotiation strategy — tailored specifically to your situation.
Claims settled. Coverage gaps identified. Risk vulnerabilities addressed. Consulting partnerships established and ongoing.
"Even though dealing with insurance-covered damage can be challenging, Minalya and Yashar made the process as smooth as possible — and I received far more than the initial offer."
"Great job doing all the work details to get a great settlement for me. Would definitely recommend everyone use Minalya when they have fire or any other property damage."
"I had a burst pipe affecting both floors. Yashar handled everything — the documentation, the negotiations, all of it. The settlement was beyond what I expected."
Answers to what most people ask before reaching out.
Whether you have an active claim, need your policy reviewed, want a risk assessment, or are exploring a consulting partnership — the first conversation is always free.