Carmen C. Sarge


(513) 579-0080


(513) 579-0222

Areas of Practice

  • Insurance Coverage
  • Bad Faith Litigation
  • Claim Investigation
  • Property and Casualty Defense


Salmon P. Chase College of Law, Northern Kentucky University
Juris Doctorate, 1999; Awards for Achieving the Highest Grades in Contracts and Professional Responsibility; Nicholas Bauer Scholarship; Student Participant in Inns of Court.

Northern Kentucky University
B.S. Economics, Interdisciplinary Minor in Environmental Studies, 1995.

Admitted to Practice

Federal Courts:

  • U.S. District Courts, Northern and Southern Districts of Ohio
  • U.S. District Court, Eastern and Western Districts of Kentucky

State Courts:

  • Ohio
  • Kentucky


Recognized as a Rising Star in the practice areas of insurance coverage in the 2007 Edition of Ohio Super Lawyers.

Carmen worked as a volunteer law clerk with the Ohio Attorney General, Consumer Protection Section, in Cincinnati in 1996. In the summer of 1997, he completed a clerkship with Judge Daniel T. Guidugli at the Kentucky Court of Appeals, Sixth Appellate District. He started work at Smith, Rolfes & Skavdahl as a law clerk in 1997 and joined the firm as a Shareholder in 2010.


Cincinnati, OH

600 Vine St.
Suite 2600
Cincinnati, Ohio 45202
(513) 579-0080

Additional Locations

  • Lexington, KY
  • Louisville, KY

Notable Experience


Yazell v. Foremost Insurance Company, 2003-CA-002155-MR, 2004-CA-000219-MR, unreported.

The Cincinnati Insurance Company v. Spencer, Twelfth Appellate District of Ohio, Butler County Case No. CA2004-05-108, unreported.



Judgment in excess of $23,000.00 in favor of insurer in Butler County Court of Common Pleas following a jury trial in a case involving an insured’s alleged fraudulent alteration of and submission of false receipts to support a motorcycle theft claim.



Handling the Difficult Claimant: Managing Issues of Non-Cooperation, Delay and Confrontational Responses to Inquiry During Claim Investigations - International Association of Special Investigation Units (IASIU) Webinar, December 13, 2016

Legal Panel 1: An Interactive Discussion of Emerging Trends and Issues (Moderator)
The National Society of Professional Insurance Investigators (NSPII) 2016 Advanced Insurance Fraud Seminar, Bloomington, Illinois, November 14-15, 2016

Live Joint Fire Study/Fire Expert Deposition and Lessons Learned Roundtable
Donan Engineering Burn and Learn: An Advanced Fire Investigation Experience, Maryville, Tennessee, May 4, 2016

Handling the “Difficult” Claimant: Managing Issues of Non-Cooperation, Delay and Confrontational Responses To Inquiry During Claim Investigations
The National Society of Professional Insurance Investigators (NSPII) 33rd Advanced Insurance Fraud Seminar, Louisville, Kentucky, November 9, 2015

What is the “Other Side” Thinking? - Proper Communication and Sharing of Information Between Public and Private Sector Investigators During Fire Investigations
Greater Cincinnati Regional Arson and Fire Investigators Seminar, Cincinnati, Ohio, October 23, 2015

Legal Update/Discussion Regarding Issues in Property Claims Investigations, Negative Corpus and Law Enforcement
Ohio Joint Insurance Fraud Seminar, Columbus, Ohio, March 2014

The Daubert Disaster: Unintended Consequences Facing Insurers and Experts
The National Society of Professional Insurance Investigators (NSPII), Annual Conference, St. Louis, Missouri, November 2013

IAAI and NSPII: A Strategic Training Partnership (with Roger Krupp)
Fire & Arson Investigator, Volume 62, Number 2.

Civil Fraud Trials
Presentation to students at Northern Kentucky University and University of Cincinnati, November 2010 and February 2011

Concealment, Misrepresentation and Fraud in Property Insurance Claims
Ohio Association of Certified Fraud Examiners, October 2010

Investigating Misrepresentation, Concealment and Fraud in Property Insurance Claims
In-House Presentation, August, 2009.

What is Cooperation in an Insurance Claim Investigation?
In-House Presentation, April, 2009.

What is Bad Faith?
In-House Presentation, September, 2008.

Legal Update Workshop
Ohio Auto Theft Investigators Association, Motor Vehicle Theft Seminar, May, 2007.

Claim Investigation
Presentation to Insurer SIU Department, April, 2007.

Ohio Legal Update Articles
National Society of Professional Insurance Investigators (NSPII) Newsletter, Spring & Winter 2007.

Kentucky Case Law Update
Presentation to Kentucky Mutual & Co-operative Fire Insurance Association, October, 2005.

Summary of New Developments in Kentucky Insurance Law, Case Law and Legislative Update
Northern Kentucky Claims Association, October, 2005.

NSPII Legal Update Panel – A Multi-State View of SIU Legal Issues
Including Article: Bad Faith, A Case Study: Simpson v. Permanent General Insurance Company
Ohio Panelist, NSPII Advanced Insurance Fraud Seminar, November, 2004.


Economics Advisory Board Member, Northern Kentucky University
Member of Advisory Board involved in providing the NKU Economics & Finance department faculty with insight from the local business community on various issues, including student development, hiring and accreditation, 2003 – 2010.

BLAC-CBA Volunteer
Attended meeting to give guidance to law students relative to resume development and interviewing in connection with diversity program administered by Cincinnati Bar Association and the Black Lawyers Association of Cincinnati, 2008.


  • Ohio State Bar Association
  • Kentucky Bar Association
  • Greater Cincinnati Regional Arson and Fire Investigators
    • Seminar Committee, 2015 - Present
    • By-laws Committee, Co-Chair 2017
  • National Society of Professional Insurance Investigators
    • National President, 2010-2011 
    • Ohio Chapter Past President, 2010-2011    
    • National First Vice President, 2010
    • Ohio Chapter President, 2010
    • 3-Year Planning Committee, 2008 – 2010
    • National Second Vice President, 2009
    • Ohio Chapter First Vice President, Chapter Delegate, 2009
    • Newsletter Committee, 2007 - 2008 
  • Cincinnati Claims Association
    • Director, 2008 - 2009
    • President, 2007