National Association of Public Insurance Adjusters

All adjusters, whether company, independent, or public, have significant ethical obligations in Florida. Indeed, these adjusters even have an obligation to turn each other into the Department of Financial Services. The failure to do so is, by itself, a breach of the adjuster’s ethical obligations:

(g) An adjuster shall promptly report to the Department any conduct by any licensed insurance representative of this state which violates any provision of the Insurance Code or Department rule or order.


Continue Reading Adjusters Have Codes of Ethics: Florida’s Are Significant and Need to Be Enforced

Risk & Insurance® recently ran an article, Paving the Potholes of Big Property Claims (updated), about large losses indicating that the claims process is anything other than perfect. Harvey Goodman, a public adjuster I mentioned in this morning’s post, was quoted in that article. I first met Harvey Goodman at the Annual Convention of the National Association of Public Insurance Adjusters (NAPIA) at Carmel, California in 1985. I gave a speech about Proofs of Loss and Examinations Under Oath. Harvey is one of those people in the audience who raises his hand, often. He asks the tough questions with unique facts that are often situations he faces. Harvey is a past president of NAPIA and one of the finest public adjusters.

Continue Reading Large Complex Losses Invariably Suggest that the Policyholder Hire Licensed Professionals

A guest lecturer at the National Association of Public Insurance Adjusters Mid-Year Meeting last Friday predicted that courts will find at least some of the damage caused by Chinese drywall to be covered under a first party property insurance policy. Ed Eshoo gave the lecture, "First Party Property Insurance–Chinese Drywall Claims."

Continue Reading Chinese Drywall Losses Covered Under First Party Property Insurance Policy

Tragedy is sometimes followed by emotional and heartwarming stories overcoming the consequences of the initial disaster. In my line of work, I have seen survivors embrace each other, genuinely surprised each made it through a life threatening disaster. I have witnessed the compassion and caring that otherwise strangers show to their fellow brother and sister in time of need. Yesterday, I attended a wedding of two that only occurred because Hurricane Katrina brought them together.

Continue Reading A Katrina Love Story Involving a Very Talented Young Public Adjuster

At our recent seminar on insurance adjustment techniques and practices, Texas Hold ‘Em" #2: Merlin Law Group’s Seminar for Texas Public Insurance Adjusters, I warned public adjusters that wrongful practices, especially the unauthorized practice of law by giving legal advice, would probably result in lawsuits against them. Yesterday, I found an article, Class Action Lawsuit Targets Fees Charged by Public Adjuster, that addresses some of my concerns.

Continue Reading Public Adjusters Sued in Class Action for Wrongful Conduct–Are Unauthorized Practice of Law Class Action Suits Next?

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