About

About K-Factor

Company Information

Hi, I’m JP Korpi the founder of K-Factor. I would like to introduce you to my teamWare industry expertin claims negotiation, policy language, interpretation, and claims estimating. 

I started this firm because I believe in the rights of the policyholder. I don’t believe you should have to settle with your insurance company for anything less than what you are owed. You can do better, and I can help. We believe, you truly need to be fully indemnified based on your policy provisions. We believe that if you’re owed anything through those policy provisions that you should see it reflected in your settlement offer.

As a public adjusting firm, we represent you and your rights, to get what you are owed out of your policy.

Remember, the insurance company will have a seasoned professional adjuster represent their interestand you should have the same advantage in hiring a public adjuster to be your advocate and represent your interest.

We Are Your Advocate To Obtain The Best Possible Insurance Settlement…

As your advocatenot only do we bring to the table all of our in-house staff, but also our many years of deeply cultivated relationships with industry experts, including engineersforensic accountantscontractor mitigation teams, and some of the best legal counsel the industry has to offer.

As adjusters for the insured, We will seek the amount you’re owed. Let us help you get the maximum settlement with minimum effort on your behalf.

MEET THE TEAM

JP Korpi

Owner, Executive Adjuster

Raised in the Great Lakes region of Marquette, Michigan, JP has been in the insurance industry for over 10+ years. He has been happily married to his wife for 18 glorious years! They have three children together. JP and his family live on a small ranch in south-central Montana where he is highly active in his community. In his spare time, you’ll find JP working on his ranch, fly fishing, photographing nature, or just enjoying the outdoors. JP is a licensed Public Adjuster in multiple states throughout the Rocky Mountain West and Midwest. In his own words, “There’s nothing more rewarding than leveling the playing field.” Prior to becoming an insurance adjuster, he built and operated a successful Paul Davis Restoration franchise. JP is a level 2 Xactimate certified user and holds various insurance industry certifications and recognitions.

Jerry Harwell

Senior Coverage Analyst

Jerry was born and raised in northern Michigan. He has a Bachelor’s Degree in Insurance from Ferris State University. He has 37 years of insurance industry experience in claims, sales, underwriting, and marketing. Jerry has a strong passion for helping his clients get every dollar available out of their insurance policies. Jerry is an avid fisherman and proud husband, father, and grandfather.

Michael Harvey

Relationship Manager

Michael was born in Two Harbors, MN—near the shores of Lake Superior. The area has a fascinating history that invigorates the imagination and builds resilience. He graduated from the University of Wisconsin Superior with a Bachelors of Science in Finance and Economics and has continued his education ever since. He serves as an appointed County Assessor/Recorder for a medium sized (MN) county where he’s passionate about leadership and individual property rights. He is involved in many public and private organizations and looks to give back, with his family, on every occasion.  He loves to learn and grow as a person but especially through meeting new people and having unique experiences. He’s been married 15 years to a wife that complements his talents and has many of her own. As a team, they’re raising three sons and a daughter to maturity through purposeful living. Michael looks forward to nurturing new relationships and helping people thrive; He loves people and turns friends into family wherever he travels.

Shawnee Johnson

Senior Executive Assistant

Although Shawnee grew up in the Pacific Northwest, she has spent as many years in California, Hawaii, and now Wisconsin. Shawnee and her husband have two kids who are mostly adults now. She loves a good book, creating a budget, and traveling. She also spends a lot of time in the kitchen and watching cooking shows. After returning to college in her forties to take accounting, Shawnee has worked as an office manager, bookkeeper, and grammar-checker for various businesses. 

Donna Paul

Executive File Handler

Donna received her Associate’s degree in Business Information Systems and a Bachelor’s degree in Business Management along with an extensive amount of software certifications. Prior to joining the team at K-Factor, Donna spent 10+ years working in the restoration, mitigation, home inspection, and insurance industries. Donna has a strong drive for knowledge, a solid work ethic, and a firm belief in treating others the way they deserve to be treated. She enjoys working and developing databases, graphical designs, and estimating. Donna has been happily married now for 20 years, to her husband who she met in college. In 2016, they moved to Tennessee where they regularly go hiking with their Labrador Retriever

Michelle Montes

Regional Director of Client Development

Michelle was born and raised in southern Indiana but currently resides in Kentucky. She has a bachelor’s degree in journalism from Evangel University in Springfield, Missouri. Prior to joining the K-Factor team, Michelle spent ten years in the newspaper industry and has worked with several daily and weekly publications. She has been married to her husband for seven years and they have a 1-year-old son and a Siberian Husky mix named Zorro. Michelle enjoys spending time in the outdoors, traveling and coffee.

Julie Filbrandt

Executive Assistant

Julie resides in the Upper Peninsula of Michigan. She has been married 18 years and has three children. Prior to joining the K-Factor team, Julie worked in the hospital and banking industries, mainly in supportive administration roles. In her spare time, Julie enjoys cooking, baking, crocheting, hiking and being outdoors.

Michelle Montes

Regional Director of Client Development

Michelle was born and raised in southern Indiana but currently resides in Kentucky. She has a bachelor’s degree in journalism from Evangel University in Springfield, Missouri. Prior to joining the K-Factor team, Michelle spent ten years in the newspaper industry and has worked with several daily and weekly publications. She has been married to her husband for seven years and they have a 1-year-old son and a Siberian Husky mix named Zorro. Michelle enjoys the spending time in the outdoors, traveling and coffee.

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