About Us

Mr. Schram's vision for building a vehicle for purchasing subrogation claims launched Latitude Claims Services in 1997. Latitude Subrogation Services began in 1998 as the subrogation servicing vehicle for purchased claims. Mr. Schram is a practicing attorney and established the law firm of Hertz Schram PC in 1979, and has served as its President and largest shareholder since its incorporation in 1981. Mr. Schram has been involved with dozen of insurance related class action lawsuits defending director and officer liability actions. The law firm of Hertz Schram PC currently has 30 attorneys and specializes in securities law, real estate, banking, corporate and finance, estate planning and creditors rights. Mr. Schram is admitted to practice law in Michigan, Florida and Washington, D.C. Mr. Schram received a political science degree from the University of Michigan's Honors College. Mr. Schram spent six months in South America as a photojournalist for several U.S. newspapers before attending Georgetown University law Center in Washington, D.C. where he received his juris doctorate degree in 1976. Mr. Schram is actively involved in all operating aspects of the Latitude family of companies.

As LSS's first employee, Mr. Webb brings over 30 years of subrogation and claims experience. Mr. Webb began his insurance career at CNA Insurance where he oversaw subrogation for 13 years. Mr. Webb routinely conducts training seminars for insurance carriers and trade associations throughout the country. He holds the designation of Certified Subrogation Recovery Professional (CSRP). Mr. Webb oversees the entire claims operations and specializes in technical claims analysis, reporting and service performance. Mr. Webb holds an Arts and Associates Business Degree from Wayne County (MI) Community College and is actively involved in NASP, PLRB, RIMS and NAMIC.

Mr. McIntosh joined LSS in 2002, and brings with him 18 years of subrogation and claims expertise. Mr. McIntosh oversees the day to day management of Claims, and is responsible for all daily work processes, policies and initiatives while assisting with strategic planning and overall business operations. Mr. McIntosh holds a B.A in Communications from Michigan State University, a CSRP designation from NASP and a Certificate in General Insurance from IIA.

Mr. Ebling joined Latitude in June 2012. He brings with him a wealth of claims subrogation knowledge and experience acquired during his 25 year insurance industry career with Westfield Group and Nationwide Insurance companies. During that time he served as a Claims Representative, Trainer, Sr. Subrogation Specialist, Regional Subrogation Manager, and Business Project Management Consultant. Mr. Ebling earned his degree in Business Management and holds the designation of CSRP with NASP, and MCSA with Arbitration Forums. He has supervised various claims business units and the quality department for Latitude. His current area of responsibility is new client development, and fostering long-term client partnerships and affinity business relationships.

Mr. Bartoski joined Latitude in November 2021 and is responsible for establishing and executing the Information Technology (IT) vision and strategy. He is also accountable for IT operations, including network infrastructure, hardware, applications, business analysis, and reporting. Mr. Bartoski brings over 25 years of experience in IT operations, data analytics, program management, application development, process automation, budget management, contracting, and vendor management. Mr. Bartoski previously provided enterprise digital transformation solutions involving cloud, on-premises, and hybrid designs as a Technology Strategist at Microsoft Corporation. Before joining Microsoft, Mr. Bartoski served as the Executive Director of Information Technology at Detroit Public Schools. In this role, he made substantial improvements to the IT infrastructure, implemented a comprehensive cybersecurity strategy, automated business processes, transformed the IT department’s culture, improved end-user customer service, introduced collaboration and data analytics tools, and reduced wasteful spending. Mr. Bartoski has a B.S. degree in Computer Engineering from Oakland University and holds certifications in Microsoft Azure and Cisco Systems Network Administration.

Jon Coscia, CSRP, President and Chief Executive Officer of Latitude Subrogation Services, holds an Associate Degree in Criminal Justice from Schoolcraft College, in Livonia, MI and a Certified Subrogation Recovery Professional designation from the National Association of Subrogation Professionals.

He currently oversees all areas of company operations including sales and marketing, strategic planning, accounting, business unit operations, claims, information technology, human resources, and employee development.

Mr. Coscia has held the positions of Claims Adjuster, Claims Supervisor, Claims Manager with a national insurance carrier, and brings with him over 25 years of subrogation, claims management and leadership experience.

He is the Associate Dean of the School of Claims Performance through the International Insurance Institute and has served as both board member and Vice President of the Claims Education Conference since 2014.

Mr. Coscia is Sr. Content Consultant to Claims Professional Books Online and is the author of the highly acclaimed book, Awesome Claims Customer Service–Part 1 which was the #1 selling claims book for 2021, and has sold internationally throughout the United States, Canada, Australia, England, and 9 other countries.

He has been featured in numerous periodicals as well as the lead story entitled, Living By Core Values in the 2016 Winter issue of Claims Education Magazine.

Mr. Coscia is co-author of the Employee Development management course offered through III, and his article entitled, Employee Education and Development outlines many of his respected tips on tapping employee talent.

He was a past board member of National Association of Subrogation Professionals serving as President, Vice President, Treasurer and as Chair of the Governance Committee.

Sheila oversees Claim Support, Finance/Accounting, Human Resources, Information Technology, Quality and Training

As the previous leader of the National Recovery and Special Investigation organization at Nationwide Insurance, Sheila has overseen associate and leader development, strategic direction, policy implementation, fiscal management, and vendor relations.

Sheila holds a Bachelor’s and master’s degree in Business Administration from the University of Phoenix. Her accomplishments include being a Certified Subrogation Recovery Professional and a graduate of The Ohio State University Lean Leader Academy.

Sheila’s commitment to the industry extends beyond her professional achievements. She previously served on the non-profit board of the National Association of Subrogation Professionals (NASP) and currently serves as Chair for the NASP Executive Advisory Committee.

Ms. Smith, a C.P.A., joined Latitude in November 2019. She brings with her over thirty years of experience in the public accounting arena. She was previously a shareholder with Rubenfaer & Associates, P.C., a local MI CPA firm. Ms. Smith holds a Bachelor of Science in Business Administration degree, with a major in accounting, from Central Michigan University. She is a member of both the American Institute of Certified Public Accountants and the Michigan Association Certified Public Accountants. Her current area of responsibility is providing leadership for the accounting team along with overseeing company financial information, both internally and with external business partners.

Phil Vevang joined Latitude Subrogation Services in January 2026 as Managing Director of Strategic Partnerships. In this role he leads Latitude’s strategic initiative for reinsurance markets, third-party administrators, and self-insured organizations. Phil spent 27 years at Swiss Re where he held progressive claims leadership roles, including Claims Solutions Expert for property and regional/national claim management. He developed Swiss Re’s proprietary subrogation solution, managed a natural catastrophe claims platform, trained clients on system use, and partnered with developers to drive product improvements. Phil also led cross-functional projects, annual client audits, and team development efforts. A Six Sigma Black Belt, Phil applies process improvement and project management disciplines to streamline recovery workflows and drive measurable results. He is known for building client-focused solutions that combine analytics, automation, and seasoned judgment to increase recoveries and strengthen operational readiness.

Jim Wilds joined LSS in 2020 as an Executive Consultant. His insurance career spans over 40 years at Allstate, USF&G, Reliance and Frankenmuth Insurance from where he retired as a Senior Vice President of Claims and member of it's board of directors. He is a graduate of Michigan State University and during his insurance career earned industry designations of CPCU, SCLA, Registered Professional Adjuster (RPA), AIM, ARM, CIC, Certified Fraud Examiner (CFE), and Mutual Director Certificate (MDC). In addition to his claims and subrogation focus, throughout his career, he was very active in legislative and governmental affairs serving as Chairman of the Claims Committee of the Michigan Property and Casualty Guaranty Association (MPCGA), and the Michigan Catastrophic Claims Association (MCCA.) He also served as chairman of the board for the Insurance Institute of Michigan (IIM) and as a member of the board of directors at the Michigan Chamber of Commerce, the National Association of Mutual Insurance Companies (NAMIC), and the Saginaw Chapter of the American Red Cross. Jim Wilds was inducted into the Michigan Insurance Hall of Fame in 2010 and in 2016 received the NAMIC Merit Award in recognition of his exemplary efforts and professionalism in the property and casualty insurance industry. He currently serves on the Olivet College Insurance and Risk Management Advisory Board and the MI Insurance Hall of Fame board of directors.