Tonia Tanguay

Tonia Tanguay

Chief Operating Officer / Associate General Counsel

Professional Profile

Tonia T. Tanguay, Esq. is the Chief Operating Officer and General Counsel of The Greenspan Co./Adjusters International who works out of both the Los Angeles and Orange County offices. She is also an Executive Public Insurance Adjuster on our team.

Tonia draws on over 35 years of professional experience across governmental, legislative, legal and insurance sectors. The knowledge base and skills gained over the span of her career makes Tonia uniquely qualified for the varied roles at The Greenspan Co. As the Chief Operating Officer, Tonia is responsible for our overall claims handling protocols and procedures. As General Counsel, she assists on a wide array of matters in consultation with the management team.

Tonia started her professional career in Washington D.C. working with trade associations on a variety of legislated related matters. Experiencing the importance of advocacy, she decided to pursue law school. Tonia joined the California Bar in 1995 after which she served as a litigator for 12 years with an emphasis on construction defect, real property, and alternative dispute resolution. In 1997, she expanded her repertoire to the public adjusting industry where she lent talents to a newly established boutique public adjusting firm. The initial consultation then extended to over 20 years serving as the firm’s key advisor during which she facilitated the successful growth of the niche public adjusting firm. During her lengthy tenure, she regularly dealt with complex claims, forensic assessments, coverage analysis and the firm’s advocacy. Tonia was an integral part of the strategies and resolution of residential and commercial claims alike involving insurers such as AIG, AAA, Allstate, CHUBB, Farmers, Hartford, Mercury, PSIC, Safeco, State Farm, Safeco, and Travelers. Her claims contributions included negotiated settlements, appraisals, arbitrations, and mediations.

In 2018, Tonia joined Greenspan where she hit the ground running and her pace has not changed since day one. Her initial projects involved several large and complex losses suffered due to the Thomas Fire and Montecito mudslide followed by an expanded claim load of residential and commercial losses associated with the Woolsey Fire. Many of the properties were custom homes with high-end finishes, art and collectibles which necessitated expert valuation. Greenspan recognized Tonia’s background would be well suited to assist our clientele and interface with the insurance companies in the recovery of their benefits. She was a critical contributor to the successful resolution of several complex claims.

Greenspan also relies on Tonia’s specialized training and attention to detail to assist in handling commercial losses. She works well with commercial ownership and managing the complexities of evaluating business losses. She takes the time to understand the nuances of the business and its operation to make certain the claims are appropriately maximized.

Irrespective of whether it is a residential or a commercial loss, Tonia is committed to our clients and assisting other team members. Tonia is skilled at working the problem in search of a solution that meets the goals of our clients. She has a proven track record in successfully handling and resolving high-value claims with both admitted carriers and non-admitted carriers/surplus lines.

Tonia grew up in the Finger Lakes region of New York State known for its rural beauty, strong work ethic and multi-generational large extended families. She attributes these roots for her fortitude and commitment to others. Tonia attended SUNY at Albany and graduated with degrees in Communication and Business. While in college, she was selected to serve as a legislative intern for the NYS Assembly which prompted her to move to Washington D.C. She spent three years immersed in trade associations, dealing with legislative issues, and spending time on the Hill.

She graduated cum laude from Whittier Law School. Tonia was a member of the Law Review, Trial Advocacy Honors Board, and a Merit Scholarship Recipient. As a second year, she served as a Judicial Clerk for the Los Angeles County Superior Court. While in law school she also started her legal career early as a part-time associate for the Law Office of Joel B. Castro and O’Melveny & Myers. As a litigator, Tonia spent years honing her research, forensic, analytical, and advocacy skills. She worked for insurance defense firms on its complex case team and transitioned to a boutique private client firm to gain additional hands-on training. She served as an active litigator until 2007.

Tonia’s roots may have started on the East Coast, but she has loved living in Southern California for over 30 years. She and her husband raised twin girls who are each now venturing out into the world on their own creative career paths. Tonia enjoys a little “me” time once in a while, but she especially enjoys time with her family; whether it’s watching the Royal Ballet in London, attending a Broadway show in NYC, hiking the Tetons, zip-lining in Costa Rica, cheering on the 49ers, or a sunset picnic at our favorite beach spot with a good bottle of wine.

Public Adjusting Licenses

  • California Public Adjuster License #4014185
  • Nevada Public Adjuster License #3525185

Professional Involvement

  • National Association of Public Insurance Adjusters (NAPIA)
  • California Public Insurance Adjusters (CAPIA)
  • State Bar of California - #177933 (active)
  • Certified Member of Insurance Appraisal and Umpire Association, Inc. (IAUA)
  • Orange County Bar Association
  • Orange County Women Lawyers Association