Gabriel De Cárcer, MBA
Founder and Director · Executive General Adjuster
Insurance Loss Adjusting · Technical Consulting · Forensic Engineering · Fire Investigation · Risk Prevention · Loss Mitigation · International Insurance and Reinsurance
Professional Profile
More than twenty years of experience in loss adjusting, forensic engineering and executive-level management of complex claims across Mexico, Latin America, the Caribbean and North America, with sustained exposure to international facultative, proportional and non-proportional reinsurance markets, including direct interaction with Lloyd’s syndicates, global reinsurers, international brokers and multinational insurers.
Specialised in high-severity and technically complex losses, including major property damage, industrial fires, machinery breakdown, energy, oil & gas, critical infrastructure, liability, transportation, consequential losses and catastrophe events.
Direct experience in the technical and operational leadership of multidisciplinary forensic investigations, cause-and-origin analysis, root cause analysis, damage assessment, quantification and the development of technical positions for insurers, reinsurers, brokers, arbitration and litigation.
Professional Experience
2025 – Present · DCS Forensics & Loss Consulting — Mexico
Founder & DirectorFounded and leads an independent practice specialised in complex loss adjusting, forensic engineering and technical investigations for insurers, reinsurers, brokers and corporate clients across Mexico, Latin America and the Caribbean. Provides technical leadership on high-severity claims, fire and explosion investigations, mechanical, electrical and structural failures, multidisciplinary coordination and reporting for domestic and international markets.
2021 – 2025 · Envista Forensics — Mexico
Managing Director — Mexico & Caribbean | Regional Responsibilities: LATAMResponsible for establishing, leading and developing Envista Forensics’ operations in Mexico and the Caribbean, with regional responsibilities in Colombia, Peru, Bolivia, Chile, Ecuador and Panama. Coordinated forensic investigations and complex claims with teams in the United States, Canada, the United Kingdom and Australia, acting as a principal technical and commercial point of contact for insurers, reinsurers, brokers and international markets.
2020 – 2021 · De Cárcer y Asociados, S.C. — Mexico
Technical DirectorTechnical leadership of high-exposure claims, coverage analysis, expert work for arbitration and litigation, and root cause investigations involving infrastructure, property risks and CAT events.
2017 – 2020 · Tokio Marine Mexico
Claims ManagerResponsible for the overall management of claims involving property damage, liability, transportation, industrial risks, CAT and high-exposure corporate accounts, including coverage analysis, reserves, payments, reinsurance coordination and technical supervision of external providers.
2017 · Ábaco International Loss Adjusters — Mexico
Senior Loss AdjusterHandling and adjustment of large losses, CAT events, manufacturing, telecommunications, infrastructure and industrial risks, including the September 2017 earthquakes.
2008 – 2017 · Crawford & Company — Mexico
Senior General Loss AdjusterComprehensive handling of major, complex and multimillion-dollar losses involving energy, oil & gas, critical infrastructure, hospitality, manufacturing, transportation, civil works, machinery breakdown, liability and CAT events.
2001 – 2008 · De Cárcer y Asociados, S.C. — Mexico
Loss AdjusterHandling of property damage and liability claims, technical assessments and coordination with insurers, brokers and specialists. During this period, developed the technical and operational foundations of a career in loss adjusting through field inspections, file development, damage assessment and follow-up of claims across multiple lines.
Representative Cases
Industrial pulp plant — Valdivia, Chile: investigation of a mechanical failure affecting an industrial process dryer, damage analysis and technical assessment of the repair scope — approx. USD 300M.
Automotive manufacturing plant — Guanajuato, Mexico: Catastrophic flood loss affecting production lines, machinery and logistics infrastructure — estimated loss USD 200M.
Automotive manufacturer — Mexico: Complex product liability claim and brand valuation — USD 100M.
Luxury resort — Los Cabos: catastrophic damage caused by Hurricane Odile, including material and operational impacts — USD 76M.
International hotel — Los Cabos: assessment and adjustment of damage arising from Hurricane Odile — USD 65M.
Logistics centre — Cali, Colombia: catastrophic structural failure affecting an approximately 80,000 m² facility, including causation and damage extent analysis — approx. USD 40M.
Offshore oil infrastructure — Gulf of Mexico: damage assessment involving seven offshore platforms and multidisciplinary technical coordination — USD 40M.
Bottling plant — Acapulco, Mexico: assessment of material and operational damage arising from Hurricanes Otis and John — USD 19M / USD 10M.
CAT Experience
) 2010 — Mexicali Earthquake, Baja California: handling of claims arising from earthquake damage.
) 2010 — Hurricane Alex, Monterrey: participation in catastrophe loss adjusting operations.
) 2010 — Hurricane Karl, Veracruz: handling of infrastructure and property claims.
) 2011 — Hurricane Jova, Puerto Vallarta: inspection and adjustment of claims arising from the event.
) 2013 — Tropical Storm Fernand, Veracruz: handling of damage to road infrastructure and other affected risks.
) 2014 — Hurricane Odile, Los Cabos: participation in high-severity hospitality, infrastructure and property claims, including losses involving Hilton Los Cabos and One & Only Palmilla.
) 2015 — Hurricane Patricia, Jalisco and Colima: CAT claims handling, including damage to industrial and energy facilities.
) 2017 — Pijijiapan Earthquake, Chiapas: assessment of structural and operational damage to industrial facilities.
) 2017 — Puebla Earthquake: inspection and assessment of damage to urban infrastructure and more than 100 telecommunications towers.
) 2020 — Hurricane Delta, Quintana Roo: handling of damage to hotel, corporate and sensitive infrastructure facilities.
) 2020 — Hurricane Zeta, Quintana Roo: participation in CAT loss adjusting and damage assessment operations.
) 2023 — Hurricane Otis, Acapulco, Guerrero: handling of high-severity claims, including damage to the FEMSA Coca-Cola plant in Cayaco, Acapulco.
) 2024 — Hurricane John, Acapulco, Guerrero: assessment and follow-up of damage to the FEMSA Coca-Cola plant in Cayaco and other affected exposures.
) 2025 — Hurricane Melissa, Jamaica: participation in CAT response and claims handling within the Caribbean insurance market.
Academic Background
Master of Business Administration (MBA)
Universidad Anáhuac — Mexico
Professional Licence (SEP, Mex.) No. 15367507Bachelor’s Degree in Geography
National Autonomous University of Mexico (UNAM)Professional Licence (SEP, Mex.) No. 12230696
Thesis:Process for the Handling and Adjustment of Catastrophe Losses in Mexico — focused on the technical and operational management of CAT claims in Mexico from the perspective of insurers, reinsurers, loss adjusters and institutional disaster-response mechanisms.
Licences & Credentials
Licensed Loss Adjuster — Comisión Nacional de Seguros y Fianzas (CNSF), Mexico
Licence No. V46630 · Valid from 06 May 2026 to 06 May 2029.AJ-III: Cargo Transportation.
AJ-IV: Aviation and Marine.
AJ-V: Other Property Risks, including Fire, Liability, Technical Risks and CAT.
Ordinary Member — Chartered Institute of Loss Adjusters (CILA), United Kingdom
Membership No. 14752.Member — International Association of Arson Investigators (IAAI)
Advanced fire-investigation training through CFITrainer.Net, with 136 earned credit hours, covering NFPA 921 and NFPA 1033, scientific methodology, fire dynamics, explosion dynamics, physical evidence, electrical and gas systems, scene safety, interviewing and origin-and-cause reporting. Multi-program certificates include Principles of Fire Investigation, Fire Investigation for the Insurance Industry, Fire Investigation Safety, and Fire Investigation for Fire Officers.Member — Institute of Electrical and Electronics Engineers (IEEE)
International professional association focused on electrical, electronic, computing and related engineering disciplines.Member — Colegio de Ingenieros Mecánicos y Electricistas, A.C. (CIME), Mexico
Collegiate Registration No. 8747 · Professional Licence referenced by CIME: SEP No. 12230696.Member — Comité Nacional Permanente de Peritos en Prevención e Investigación de Incendios (CONAPII), Mexico
Professional association focused on fire prevention, investigation, cause-and-origin analysis and expert technical practice.
Core Competencies
Large and complex losses.
CAT.
Property Damage and Business Interruption.
Energy, oil & gas.
Critical infrastructure and civil works.
Forensic engineering.
Fire and explosion investigation.
Coverage analysis.
Liability.
Loss quantification and reserves.
Facultative reinsurance and multinational programmes.
Multidisciplinary coordination.
Arbitration, litigation and technical disputes.
Founder’s Working Philosophy
DCS was founded on a simple conviction: complex claims require judgement, experience, independence and professional accountability.
My connection with loss adjusting also reflects a family professional tradition. My father was a loss adjuster, and that early exposure to the profession allowed me to understand from the outset the responsibility involved in accepting an assignment, properly representing the client’s interests and managing a claim through technically sound and professionally defensible procedures.
After more than twenty years of experience, I have confirmed that market confidence is not built on promises, but on technical quality, impartiality, ethics, methodological discipline, documentary traceability and consistency in decision-making.
Good loss adjusting is not about producing a figure or satisfying particular expectations. It is about establishing the facts, analysing causation, determining the true extent of damage, correctly interpreting the applicable policy conditions, assessing quantum and developing a technically supported position capable of withstanding scrutiny from insurers, reinsurers, brokers, auditors, legal counsel, arbitrators and other interested parties.
Throughout my career, I have handled claims across multiple lines of business, with particularly relevant experience in machinery and technical risks, energy, oil & gas, catastrophe events and hydrometeorological phenomena, fire and explosion, theft, transportation, liability and product liability, infrastructure, major industrial losses, Business Interruption and cyber risks, among others.
That experience has given me a direct understanding of market expectations: timely information, reasoned reserves, effective file control, clear communication, independent judgement and defensible conclusions.
DCS was created to operate under those principles.
We do not seek to compete on size or replicate traditional structures. Our model is based on direct senior involvement, technical specialisation, independence and teams specifically configured for each assignment, integrating the required resources under centralised technical direction.
Being a growing firm allows us to remain close to each assignment, carefully select both the matters we undertake and the specialists involved, preserve operational agility and maintain direct control over the quality of our work.
Our ambition is not to be the largest firm. It is to be recognised for the quality of our judgement, the strength of our conclusions and the confidence we generate when the matter truly matters.
Direct Founder Involvement in Every Assignment
Each matter is developed under the Founder’s direct technical supervision and active involvement throughout the relevant stages of the analysis, from the initial assessment through to final technical resolution.