Most states have ethical regulations for all adjusters to follow. Florida’s ethical regulation starts off with this preamble which is similarly found in many other states:

The work of adjusting insurance claims engages the public trust. An adjuster shall put the duty for fair and honest treatment of the claimant above the adjuster’s own interests in every instance.

Continue Reading Adjusters and Public Adjusters Have Ethical Rules to Follow—Insurance Company Adjusters Should Not Suggest Policyholders Refrain from Retaining Attorneys or Public Adjusters

Jon Held is one of the best advocates I have ever seen and heard argue about keeping the amount owed to policyholders down. He is a brilliant businessperson and has built an exceptional insurance consulting company regarding virtually every aspect of the insurance claims valuation process. I called his company a “surrogate” for claims adjusters and the insurance industry media took notice.
Continue Reading Is JS Held a Claim Surrogate? Do Not Miss Today’s Tuesday At 2 With Chip Merlin

Governor Gavin Newsom recently signed Senate Bill 240, which enacts new laws that regulate out of state independent adjusters. The law also addresses claim adjustment for declared emergencies. The new laws, described more fully below, became effective on October 3. 2019.
Continue Reading California Enacts New Laws that Regulate Out of State Independent Adjusters and Address Claim Adjustment Obligations for Declared Emergencies

My weekend reading found me with a recently purchased 1953 2d Edition of Property Insurance Adjusting. The reading worked pretty well for my unplanned recovery of sleep deprivation during the work week. The publication listed a bibliography with a number of General Adjustment Bureau manuals. Being the nerdy collector of insurance lore, I started a search for those manuals which lead me to an article which is the subject of this blog.
Continue Reading The Professionalism and Ethics of a Property Insurance Adjuster

While an adjuster may have contractual obligations to the insurance company that has hired them they cannot hide behind an insurer’s policies as a defense to actionable conduct. It is no defense to suit for an adjuster to argue “but I did what the insurance company told me to do.”
Continue Reading Adjusters Can Face Civil Lawsuits for Violating the Texas Insurance Code

The Honorable Governor Crist:

I respectfully request that you veto the insurance legislation recently passed in SB 2044. While there are many good provisions in this bill including some of the Public Adjusting proposed changes, other provisions will cause great harm to Florida policyholders particularly when the next big storm or other perils impact already struggling Floridians.

Continue Reading A Guest Letter Calling For a Veto of the Insurance Bill

Public insurance adjusters are hated by most insurance companies. Many insurance claim executives and adjusters have told me in candid moments they believe that many public adjusters engage in borderline, if not outright, fraudulent activity to increase the amount of the claim. Those same claims executives and adjusters are upset when we prove their insurance company representatives improperly handled a claim. Still, there are instances where public insurance adjusters act improperly and illegally.

Continue Reading A Few Bad Apples

The National Association of Public Insurance Adjusters (NAPIA) has some of the finest minds in the world regarding claims adjustment under property insurance policies.  Our law firm had the opportunity to lead a day long insurance seminar for the Massachusetts Association of Public Insurance Adjusters and NAPIA members last Friday in Boston.  The level of discussion and debate over cutting edge claims handling issues made it one of the finest property insurance seminars I have ever attended. 

Continue Reading NAPIA Has Many Special Members