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June Newsletter 2024

Last week I had the wonderful privilege of attending NAPIA, the National Association of Public Insurance Adjusters. It was an eye-opening experience to see the number of strong adjusters, attorneys, and service vendors, all supporting the work we do to represent you, the insured. I was pleased to see the comradery, support, and inclusion of all, for the betterment of our industry and those who purchase insurance policies.

The most shocking, however, was not so positive. I did not realize all the efforts the insurance companies would make to try and decrease the authority and the power of the policyholder. The efforts being put forth today to limit the ability of you, the homeowner or business owner, are astounding. The most egregious attempt is the Anti Public- Adjuster endorsement.

This endorsement has successfully eliminated the option for the policyholder to obtain the services of a professional State Licensed Public Insurance adjuster to represent their interests in the loss. It is forcing the insured to fight the claim themselves or hire an attorney for representation. This is akin to eliminating the use of an orthopedic surgeon when one has a broken arm. Furthermore, it is a slap in the face to the insured, the laws of our nation, and our freedom.

Per NAPIA, “Property insurers’ practice of including anti-public adjuster endorsements or provisions in their policies represents a concerted and intentional course of conduct to illegally control and depress first-party property damage repair costs to the detriment of insureds and the substantial profit of property insurers, and also has the effect of harming public adjusters and restraining their ability to perform their statutorily authorized profession. These forms thus must be outlawed.”

Per Merlin Law Group, “Over the last few years, we have noticed a disturbing trend regarding our work. Some insurance companies are issuing policies whereby an insured, as a condition precedent to getting a policy of insurance, agrees that they can never retain a public adjuster to prepare a claim in the event of a property loss.

We praise the leadership of NAPIA, Merlin Law Group, and many others for taking action. We want to encourage all public adjusters and those who have been served by public adjusters, and anyone concerned with justice, to support NAPIA’s efforts. NAPIA has been at the forefront of public adjuster licensing, establishing Codes of Ethics and making a Model Public Adjusting law recognized by the National Association of Insurance Commissioners.

Please call or write to your state insurance representative and remind them that they represent you and your interests, and that this endorsement could affect millions who have an insurance loss over the upcoming years. You can also help by donating to NAPIA’s efforts in fighting unfair insurance practices. Click here to visit their website.

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Richard Farrand
CEO/President
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Previous Editions

June Newsletter 2025
Richard Farrand
June 2025
May Newsletter 2025
Richard Farrand
May 2025
April Newsletter 2025
Khadija Gul
April 2025
March Newsletter 2025
Khadija Gul
March 2025
February Newsletter 2025
Richard Farrand
February 2025
January Newsletter 2025
Richard Farrand
January 2025
December Newsletter 2024
Richard Farrand
December 2024
November Newsletter 2024
Amy Watson
November 2024
October Newsletter 2024
Amy Watson
October 2024
September Newsletter 2024
Richard Farrand
September 2024
August Newsletter 2024
Richard Farrand
August 2024
July Newsletter 2024
Richard Farrand
July 2024
May Newsletter 2024
Richard Farrand
May 2024
March Newsletter 2024
March 2024
February Newsletter 2024
February 2024
January Newsletter 2024
United Policy Holders
January 2024
December Newsletter 2023
United Policy Holders
December 2023
November Newsletter 2023
United Policy Holders
November 2023

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