FAPIA and NAPIA File Joint Complaint Against Anti-Public Adjuster Endorsements
The Florida Association of Public Insurance Adjusters (FAPIA) and the National Association of Public Insurance Adjusters (NAPIA) have filed a complaint in Miami-Dade County, Florida Circuit Court, Case No. 2025-019878-CA-01, challenging the legality of an endorsement in surplus lines carriers’ policies that prevents policyholders from hiring public adjusters to represent them in the investigation, estimation, presentation, and processing of insurance claims.
The complaint, filed by the law firm Sperling Kenny Nachwalter, alleges that this “anti-PA” endorsement is anti-consumer, anti-competitive, unfair, deceptive, and in violation of Florida law. The endorsement prevents consumer access to professional representation following a loss.
“Policyholders deserve every available resource to help them navigate the claims process, including the support of licensed public adjusters,” said Frank Altieri, incoming president of FAPIA. “We are thankful to be working alongside NAPIA to protect those rights and ensure fairness for consumers.”
FAPIA and NAPIA emphasize that their efforts are aimed at ensuring that insurance remains a reliable means of recovery and support for consumers, rather than a system that limits their ability to seek help when they need it most.
Many policyholders only discover these anti-PA restrictions after experiencing a loss, leaving them without professional support when they need it most. These endorsements tip the scales in favor of insurers and deprive homeowners of the right to choose their own licensed professional advocate—an essential protection during the recovery process.
The joint complaint represents a continued commitment from both associations to protect consumers, promote transparency, and support licensed professionals who advocate on their behalf.
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