One of the basic duties which public adjusters are supposed to accomplish for their policyholder clients is to evaluate the amount of damage and properly file a proof of loss if one is required. I was thinking about this while reading a fairly recent Florida case1 where a public adjuster failed to file a proof of loss on behalf of the policyholder despite the insurance company demanding one in writing. This failure to file a proof of loss cost the policyholder an otherwise valid claim.
Continue Reading Public Adjusters Owe a Duty to Properly Comply with Proof of Loss Requirements

The Marina Del Rey Hotel is a hidden gem in Southern California. It is nestled among thousands of sailboats and is a perfect setting for a conference. The California Association of Public Insurance Adjusters (CAPIA) will hold its Annual Convention there this coming Thursday.
Continue Reading The California Association of Public Insurance Adjusters (CAPIA) Annual Convention on Thursday in Marina Del Rey

During the First Party Claims Conference last week, New York attorney Jonathan Lerner and I discussed the new public adjuster regulations that had just come into effect in New York on October 8. The New York Department of Financial Services listed the following in a press release announcing these new regulations:
Continue Reading New York Public Adjusters Have New Consumer Protections To Follow

The Rocky Mountain Public Insurance Adjuster Association (RMAPIA) will hold its Fall Meeting starting on Wednesday, November 3, in Denver. Yours truly will have two special Merlin Law Group attorneys, Larry Bache and Jon Bukowski, explaining what we see as the top property insurance claims trends throughout the Rocky Mountain states and the coverage gaps issue causing more problems for policyholders.
Continue Reading Rocky Mountain Public Insurance Adjusters Meet on November 3 & 4 in Denver

The Insurance Journal recently ran a story about a Florida insurance company dropping its administrative petition1 that asked whether a public adjuster working on a claim violates Florida statutes when the public adjuster’s relatives own the remediation or restoration company performing work on the claim.
Continue Reading Can Relatives or Spouses of Florida Public Adjusters Own the Remediation or Restoration Company Retained By the Policyholder?

Last week I had the pleasure of meeting Scott and Amy Newcomer, the founders and power-couple behind ATI Training. For over 30 years, the Newcomers have been helping home inspectors learn the industry and become qualified, not just certified. Realizing the cross-over potential between the home inspection and public adjusting worlds, the Newcomers expanded the ATI Training program to include the training of public adjusters.
Continue Reading Forging a New Path: ATI Training Expands to Support Public Adjusters

Louisiana policyholders have suffered through their share of destructive storms, hurricanes, and floods over the past five years. Many of these policyholders need the services of quality restoration contractors and great public insurance adjusters. Recently, Hurricane Ida has led to a number of public adjusters asking for advice about doing work in Louisiana. I tell public adjusters “do not do business as usual and do not have a contingent agreement.
Continue Reading Louisiana Public Adjusters Should Not Have Any Form of a Contingent Agreement

As a Merlin Law Group Texas attorney, I have the distinct privilege of working directly with Rene Sigman, the Regional Litigation Manager running the firm’s Texas operation. As a mentor, Rene has gone above and beyond to show me the complex ropes for handling first-party property insurance cases in Texas. Rene’s unparalleled work ethic coupled with her passion for our clients’ best interest was more than apparent recently when we recovered multiple favorable settlements for commercial and residential policyholders. During this time, we noticed something interesting about one of the insured’s contracts with her public adjuster. The contract was incomplete and did not comply with the Texas Administrative Code, which governs public insurance adjuster contracts.
Continue Reading Texas Public Insurance Adjuster Contract Requirements