HARRP Leadership

HARRP is dedicated to serving public housing authorities with stable, cost-effective risk sharing and insurance solutions. With decades of experience focused specifically on public housing exposures, HARRP brings a deep understanding of the operational, regulatory, and financial realities its members face.

Governed by leaders within the public housing community, HARRP reflects the real-world experience of those responsible for managing risk every day. This perspective informs a disciplined approach to coverage, proactive risk management, and responsive claims handling.

Through proven practices, strong member alignment, and a commitment to service, HARRP provides the tools and support public housing authorities need to operate with confidence in an evolving environment.

HARRP Leadership Staff

Karen provides the overall management and administration of the pools, is responsible for board relations, and developing strategic risk management programs. She has enjoyed 39 years in the insurance and risk management fields; 34 years being dedicated to public entity pooling.

Tom handles claims via direct or independent adjustors. He represents members and policyholders in legal proceedings as well as offers loss control & service training to increase risk awareness. Tom joins our organization with 26+ years in the insurance claims and risk management industry and a Bachelor of Science in Criminal Justice. He loves to spend time with his young grandson as much as possible.

With 27 years of service, Robin provides services in all phases of the operation; including property and casualty claim adjusting, new and renewal policies, accounting, quotes and membership relations. She holds several insurance agent licenses and is an authority on coverage issues encountered by our clients.

Jesse joins the finance team bringing 17 years of public entity finance and accounting experience. He assists in all areas of the Accounting Department: financial reporting, audit compliance, data integrity, banking relationships, budgeting, complex reconciliations, A/R, A/P, human resource duties, and payroll.

Darla handles the administrative tasks for the staff and office. In addition, Darla assists with the Accounts Receivable department. Darla joins the team with 15 years of banking experience. When Darla isn’t working, you can find her on a soccer field cheering on her three kids.

Meaghan manages all the new policies, policy renewals, endorsements and certificates for affordable housing. In addition, she handles many of the administrative tasks for the staff and office as well. Meaghan enjoys going to the beach, gardening, and spending time with her family.

Pat Saldaña, a long-time Washington State resident, began her insurance career in 1989 as a mailroom clerk at Farmers Insurance. She worked her way up to claims after earning her Bachelor’s from San Francisco State University. In 2005, she obtained an independent adjuster’s license for multiple states to handle claims from hurricanes. Since 2006, Pat has been an independent adjuster, often handling local claims. In 2023, she joined our team as a Claims Specialist, bringing her wealth of experience and expertise to the team. Besides work, she enjoys traveling, gardening, and family time.

Rachel manages all the new policies, policy renewals, endorsements and certificates for public housing. In addition, she handles many of the administrative tasks for the staff and office as well. When Rachel isn’t working, she is most likely hiking somewhere in the mountains of the Pacific Northwest or hanging out with her family.

Victoria works directly with members to strengthen risk and safety programs; conducts operational assessments; and develops practical, sustainable risk control strategies. She partners closely with members to provide guidance, training, and support across a range of risks. When she’s not working, she enjoys traveling with her family and exploring places rich in history, culture, and great food.

Cindy administers all risk control programs; reviews and approves underwriting submissions; establishes strategies for alternative coverage, reinsurance procurement, contract review, loss analysis, and training programs. She also assists in communications with the membership. When she’s not working, you can find her serving free plant-based meals to food insecure individuals in her community with Grandma LuLu’s Table, a nonprofit organization.

HARRP Board of Directors

There is a nine-member board of directors that provides governance of HARRP. Pursuant to various state legislative mandates included in the enabling legislation for operation, there are an equal number of board member representatives from each of the states that HARRP operates.

Board members are typically Executive Directors, serve a three-year term and are nominated to the position by the various state housing associations.

Meetings are conducted quarterly, typically the third Thursday of each quarter and are open to any interested parties.