Note: This guest post is by Doug Quinn, American Policyholder Association Executive Director.

Hurricane Idalia swept through, leaving behind its legacy. In its wake, Maui grappled with fires, Hurricane Lee stirred the Atlantic, the stock market experienced fluctuations, and political factions continued their age-old dance of rivalry. While seasons transitioned and we near the anniversary of Hurricane Ian, the nation’s attention has shifted. 

Continue Reading One Year Later: Reflections on Hurricane Ian and Its Aftermath

Note: This guest post is by AAPIA President Cole Kline.

In case you didn’t know, there are two national public adjuster associations. APIA, the American Association of Public Insurance Adjusters,is not well-known but is growing in strength and energized with new purpose and zeal. 

Continue Reading Who is AAPIA, and, as Chip Merlin recently asked Holly Soffer (AAPIA general counsel), what are we up to lately?

Note: This guest post is by David A. Thompson, CPCU, AAI, API, CRIS.

Did you know that flooding, not hurricanes, is the most frequent and costly natural disaster? One report stated that almost 90 percent of natural disasters involve flooding, and since 2000 flooding has cost U.S. taxpayers $850 billion. A vast majority of flood events are uninsured. Over 75 percent of flood damage from Hurricanes Irma and Harvey in 2017 was uninsured. Hurricane Ian in 2022 came ashore in the Lee County (Ft. Myers) area. Data supplied by FEMA showed that only 30 percent of the properties in that county had flood insurance, and amazingly only 50.4 percent of structures in high risk flood zones were protected by flood insurance through the National Flood Insurance Program (NFIP).

Continue Reading Everyone Lives in a Flood Zone!

Note: This guest post is by Brian S. Goodman. Brian is a partner at the Baltimore law firm of Goodman & Donohue, LLC. He is also General Counsel to NAPIA.

Like many of you, I read Chip Merlin’s blog post every day in my role as General Counsel to the National Association of Public Insurance Adjusters ( So it was with great interest that I recently reviewed his post about the proposed new licensing Bill in Kentucky. Chip has asked for my thoughts on this, which I am happy to provide.

Continue Reading Goodman on Kentucky Public Adjuster Licensing Bill

Note: This guest post was prepared by Kevin Connor for the American Policyholder Association.

For years, property insurance companies in Florida paid out excessive executive compensation packages and stock dividends, essentially transferring profits into insiders’ pockets instead of preparing for future years of adverse underwriting experiences as most insurers do.

Now these same companies are pointing to the cost of fraud and litigation as reasons for losses and rate increases which seem to be a strategy to divert attention away from the impact of mismanagement and corporate greed. Some continue to pay out generous cash dividends to shareholders even as they file for substantial rate hikes, stop writing policies in parts of the state, or look to withdraw from the Florida markets altogether.
Continue Reading Major Florida property insurers paid out excessive executive compensation packages, dividends for years

Note: This guest post is by Steven Thomas. As President and Owner of Roof Leak Detection Company, Inc., Steven Thomas has evaluated over 20,000 roofing systems on commercial, industrial, and residential properties, and has been qualified in court as an expert regarding roof testing and evaluations. His company is an approved Testing Laboratory and has held this certification since 1994.

Why? The obvious reason is many homeowners and maintenance personnel do not know what to look for. That’s not a knock on them—roof damage can be very obvious or subtle.
Continue Reading Hire A Professional to Inspect Your Roof Following Hurricanes or Severe Weather Events

Note: This guest blog post is by Holly Soffer, Esq., a policyholder attorney and General Counsel to the American Association of Public Insurance Adjusters.

Unfortunately, as I write this, the Tampa Bay area seems to be directly on the path of Hurricane Ian. I have received a few texts today from friends and colleagues who have been asked to evacuate. I start by saying that my thoughts are with everyone affected by the storm.
Continue Reading Advice for Non-resident Public Adjusters and Restoration Contractors Doing Work In Florida

Chip’s Note: This guest post is by Luke Irwin, a public adjuster in the Gulf Coast Region and President of Irwin & Associates.

April 14, 2020, I received the shipment. And with the patience of a child looking at a Christmas gift, I ripped open the box to find eight fresh books… Pay Up! by Chip Merlin. It was a book that forged lifelong friendships across the aisle, opened eyes, molded minds, made carriers, and touched the lives of tens of thousands of lives… so far.
Continue Reading Red Pill, Blue Pill

Note: This guest blog post is by Holly Soffer, Esq., a policyholder attorney and General Counsel to the American Association of Public Insurance Adjusters.

Unfortunately, we are singing the same old song again in Louisiana, having to report new administrative actions filed against public adjusters for the unauthorized practice of law and licensing violations. The pursuit of these types of actions by the Louisiana Department of Insurance (LDI) has been dormant for a few years. As a result, some public adjusters have relaxed their concern about possible scrutiny by the LDI on their conduct. This is a mistake. Even armed with all the correct types of documents, however, one can still fall outside the law regarding conduct.
Continue Reading Beware Public Adjusters – Danger Ahead in Louisiana!

Note: This guest blog post is by Holly Soffer, Esq., a policyholder attorney and General Counsel to the American Association of Public Insurance Adjusters.

Great food, friendly people, charm, and character all combine to make Louisiana wonderfully unique. What also makes Louisiana unique is its set of laws. Historically, Louisiana law is largely based upon the Napoleonic Code, instead of the English common law, as is the rest of the U.S. The public adjuster law is no exception.
Continue Reading Public Adjusting in Louisiana