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Some states seem to be indicating that public adjusters act as fiduciaries for their policyholder clients. For example, Kentucky states that all adjusters “shall act in a fiduciary capacity on behalf of his or her principal.”1 Florida case law refers to public adjusters as a fiduciary.2 I made reference to the apparent fiduciary capacity being placed upon public adjusters at a recent public adjuster ethics presentation I made in California at the CAPIA Annual meeting. Many public adjusters might wonder—“What does it mean to act as a fiduciary?”…

Continue Reading Ethics For Public Adjusters—What Does Acting as a Fiduciary Mean?

New Jersey public adjusters face an Insurance Commission that will closely look for every “T” to be crossed and “I” to be dotted when it comes to analyzing a public adjuster contract. The Insurance Commission has fined public adjusters hundreds of thousands of dollars for very “picky” issues. For any public adjusters doing business in New Jersey, be sure to follow the spirit and fine lines of the law.  …

Continue Reading New Jersey Public Adjuster Contract Terms Are Important—A Certain Topic of Conversation at the November 15th PPAANJ Conference

Mark on your calendar: October 24, 2023, at 2:45 pm CST. This is when the three insurance company trade organizations said something favorable about public insurance adjusters in an Amicus Brief1 filed by Steve Badger on behalf of the American Property Casualty Insurance Association, National Association of Mutual Insurance Companies, and Insurance Council of Texas. …

Continue Reading An Unprecedented Move: The Insurance Industry Speaks Positively About Public Insurance Adjusters

The Florida Association of Public Insurance Adjusters (FAPIA) recently celebrated its 30th Anniversary with a splendid gala. The event honored several prominent policyholder advocates, including Amy Bach from United Policyholders, Doug Quinn of the American Policyholders Association, and Tasha Carter, the appointed Florida Insurance Consumer Advocate. The dinner was a smashing success, completely sold out, and so high in demand that some hopeful attendees were turned away at the red carpet entrance.…

Continue Reading Public Adjuster Spotlight—Nancy Dominguez

In my meetings and times with Scott and Jan deLuise, it’s clear that they make quite the dynamic duo. While Jan tends to stay more in the background, Scott consistently uses the pronoun “we” when discussing his life and business ventures. Having had the opportunity to speak with Jan separately over the years, I understand why Scott emphasizes this collective “we.” In fact, I believe that many of us, including myself and my fellow colleagues, could benefit from adopting this inclusive mindset.…

Continue Reading Scott deLuise—Public Adjuster Spotlight

The Florida Association of Public Insurance Adjusters is on the brink of celebrating its 30th Anniversary. A milestone that evokes a deep sense of nostalgia in me, as I was present at its inception, thanks to an invitation from Ray Altieri, Jr. It feels fitting, given the occasion, to spotlight Ray in an interview, granting readers an insight into the wisdom of someone profoundly versed in public adjusting, the nuances of safeguarding policyholders, and the intricacies of the profession.…

Continue Reading Ray Altieri, Jr.—Public Adjuster Spotlight

If Donald Trump can give out nicknames like candy on Halloween, then I officially declare Mathew Mulholland as “One T”! Now, for a dose of humor and knowledge combined, the Georgia Association of Public Insurance Adjusters (GAPIA) is hosting a seminar next Tuesday in Atlanta. And guess what? The star of the show, our very own “One T,” will be dissecting that oh-so-popular wear and tear exclusion. Bring your magnifying glasses, folks; it’s gonna be a detailed, can not miss conference.…

Continue Reading One T Analyzes the Wear and Tear Exclusion at the GAPIA Meeting Next Tuesday

It’s astonishing how swiftly 30 years can pass, seemingly in the blink of an eye. I have intimate knowledge of the Florida Association of Public Insurance Adjusters (FAPIA) history because I was approached to assist in its formation. Ray Altieri, Jr. informed me that veteran adjusters desired the creation of a Florida Association and wondered if I could take the lead in establishing the organization. The history of FAPIA is documented on their official website:…

Continue Reading FAPIA Is Celebrating Its 30th Anniversary On October 20-23