American Association of Public Insurance Adjusters

United Policyholders takes action and gets things done for policyholders regarding the insurance gap issue. United Policyholders is tackling the insurance gap coverage problem by providing staff and resources to collect rogue property insurance policy forms being issued by insurance companies, to show examples of how insurers are stepping over each other to silently gain a competitive advantage of lower price with cheap insurance.
Continue Reading Crazy New Policy Language? Report It To United Policyholders!

This Friday, October 11 at 12:30 p.m. EST, Holly Soffer, who is the general counsel of the American Association of Public Insurance Adjusters (AAPIA), and I will co-host a free live webinar on the subject of coverage gaps and what can be done to stop this problem. Rutgers insurance law professor Jay Feinman, author of, Delay, Deny, Defend – Why Insurance Companies Don’t Pay Claims And What You Can Do About It, will have a guest video appearance on the topic.
Continue Reading Insurance Gaps Are Killing Policyholders, Your Business and Your Ability to Restore Damaged Property—Sign Up For This Friday’s Insurance Gaps Seminar

Holly Soffer

Holly Soffer is General Counsel to the American Association of Public Insurance Adjusters (AAPIA). Strangely enough, we met and started a dialogue about Insurance Coverage Gaps at a half-day leadership conference hosted by the National Association of Public Insurance Adjusters (NAPIA).
Continue Reading Coverage Gaps Plague Policyholders! Merlin Law Group and AAPIA Host Webinar Explaining What Is Being Done To Fight This Problem

Chip Merlin & Guy Cohen

Public adjuster Guy Cohen and I discussed various issues of property insurance and adjustment at a recent lunch. He raised a very serious topic of coverage gaps being created in the small print of property insurance policies which Florida insurance regulators are allowing to be sold. He thinks that these coverage gaps are the most serious issues facing insurance consumers. He is not alone.
Continue Reading The New Water Damage Limitation and Other Non-Traditional Coverage Gaps

Pennsylvania experienced an intense hail storm at the end of May. The storm damage from one day in 2014 was worse than the average year of hail damage for the Keystone State. Merlin Law Group knows that insurance companies should promptly and properly respond to hail claims, but all too often we see these claims improperly adjusted. Hail damage is a peril that can cause damage blatantly obvious (every car in the parking lot was honored with a smashed windshield) or, the damage can be more discreet but still extremely harmful to property, especially with hail damage to roofs.


Continue Reading Hail Damage? Make Sure You Are Getting the Proper Help!

Gene Veno of the American Association of Public Adjusters recently sent out an alert about a neighborhood suffering severe sinkhole damage. We often see these reports for Florida and Tennessee – but Harrisburg, Pennsylvania is now suffering from sinkhole losses. Similar to the Sunshine State, Pennsylvania is one of the top states at risk for sinkholes and sinkhole activity associated with dissolving limestone. According to William White, Penn State University emeritus professor of geochemistry, the riskiest areas for these cover-subsidence sinkholes in Pennsylvania include the limestone valleys through central Pennsylvania – around State College, and also from the Maryland line up through Harrisburg and east to Allentown and Lancaster.1


Continue Reading Pennsylvania Sinkholes: How are Insurance Companies Responding?

The American Association of Public Insurance Adjusters is busy getting the word out about how hiring a public insurance adjuster can add value to a policyholder’s insurance claim. AAPIA prides itself on being a professional organization representing public adjusters from all over the United States. AAPIA sponsors educational, social, and networking programs throughout the year.

Continue Reading The Value of Hiring a Public Adjuster