DUANE SKELTON has been a member of the California bar since 1976. He has over 35 years of insurance defense experience. In addition to working as panel counsel for several companies, he was employed as in-house counsel for a major insurance carrier, where his primary area of practice was construction defect litigation. Duane also has experience in other area is the law, including premises liability, toxic torts, business disputes, environmental law, motor vehicle litigation and others. He has had over twenty jury trials throughout Northern California. In his spare-time, Duane enjoys golf, writing and his six grandchildren. He has been married to his wife Janet for forty-eight years.