Public Adjuster Model Comments from NAPIA 11.6.2023

Click HERE to read the formal letter in pdf format.
November 6, 2023
Director Larry Deiter
South Dakota Division of Insurance
Chair, Producer Licensing Task Force of (D) Committee National Association of Insurance Commissioners
Attention: Tim Mullen mailed to
RE: Public Insurance Adjuster Licensing Model Act, MO-228-1
"Dear Director Deiter:
Please accept this comment letter from the National Association of Public Insurance Adjusters ("NAPIA"), in response to the NAIC request for comment on suggested amendments to the Public Insurance Adjuster Licensing Model Act, MO-228-1. The proposed amendments would be the first changes reflected in the model since its adoption by the NAIC in 2005.
NAPIA sets the gold standard for ethics in the profession of public adjusting. In fact, its ethical requirements were codified into this NAIC model. NAPIA was founded in 1951 to provide in­ depth continuing education, advocacy, and networking opportunities for its 700 plus public adjuster members who handle property losses ranging from large complex commercial losses to individual residential losses. Our members hold a unique combination of skills. Their knowledge on insurance laws, coverage, accounting, construction and materials is not only the key to effective representation of homeowners but can make the difference in whether a business is able to collect revenue and continue operations as a going concern. Consumers are entitled to representation. Public adjuster representation requires both a high and broad level of expertise, often with backgrounds in law, accounting, insurance, business, and construction.
Property losses prove to be a difficult time in the lives of claimants, regardless of the setting. For this reason, we are especially concerned with efforts by those who perform or attempt to perform public adjusting without either a license or the knowledge and skill to do so.
Consequently, NAPIA strives to improve consumer protections and the profession by educating others on how consumers are harmed by bad actors. The association participates as a member of the Coalition Against Insurance Fraud, and partners with FEMA, state Attorneys General, state fraud units, United Policyholders, insurers, and others focused on eradicating bad actors from the property claims process."

Click HERE to continue reading the formal letter.