Florida Association of Public Insurance Adjusters

09/01/2024

09/01/2024

TAMPA, Fla. (WFLA) — Could your National Flood Insurance Policy be worthless when you actually need it?

A family in Pinellas County thought they were protected with a $8,600 flood policy through the program, which is administered through FEMA, but after their home was flooded by Tropical Storm Debby, their claim was denied.

A Pinellas County family thought they were protected with a $8,600 flood policy through the program, which is administered through FEMA, but after their home was flooded by Tropical Storm Debby, th…

08/30/2024

Don Phillips, past president of the Florida Association of Public Insurance Adjusters, finds it “pretty amazing” that Florida has allowed a claims resolution process that other states have outlawed to protect insurance policyholders.

“Binding arbitration, don’t forget, is like a mini-trial,” he said.

“I guarantee you, American Integrity … it will be a lawyer (representing the company) and for you not to have a lawyer who knows all the intricacies of the arbitration code … it’s just insane to think a policyholder could do an arbitration without a lawyer,” Phillips said.“I guarantee you, American Integrity … it will be a lawyer (representing the company) and for you not to have a lawyer who knows all the intricacies of the arbitration code … it’s just insane to think a policyholder could do an arbitration without a lawyer,” Phillips said.

Giving up the right to sue in exchange for a lower premium is a swap that alarms longtime consumer advocates.

08/30/2024

Keep an eye on the tropics over the next week.

08/28/2024

The second and final Florida Disaster Preparedness Sales Tax Holiday runs from August 24 – September 6. Check your emergency kit and be prepared. Learn more at miamidade.gov/salestaxholidays.

08/27/2024

08/27/2024

Ewing said, “The rate that they wanted was astronomical.”

Slide sent him a notice letting him know his renewal would be around $3400 which is nearly four times the amount of his old Farmers policy. Mike Ewing declined the offer and in July even received a notice of cancellation from Slide. But a month after cancelling, his records show Slide Insurance still went to his mortgage company with a new policy and requested the money from his escrow account and his mortgage company sent it.

“Everybody in Florida, I think at this point, is struggling with insurance and for a company to swoop in like this and do what they’re doing is just rotten,” said Ewing.

Some central Florida homeowners claim an insurance company received thousands of dollars from their escrow accounts even though they didn’t want to use that insurance company.

08/25/2024

🌪️ Remembering Hurricane Katrina: 19 Years Later 🌪️

Today, we honor the resilience and courage shown by communities in the aftermath of Hurricane Katrina. In the face of overwhelming devastation, public adjusters were there, fighting tirelessly to ensure families and businesses received the support they needed to rebuild. 🌊🏚️➡️🏠

Your stories matter. We invite you to share your experiences from Hurricane Katrina—whether as a policyholder, a survivor, or someone who witnessed the recovery. Visit voicesofpolicyholders.com or share your story in the comments below. Together, let’s continue advocating for fairness and support in times of crisis. 💙

08/24/2024

🌪️ Remembering Hurricane Andrew: 32 Years Later 🌪️

Today, we reflect on the devastating impact of Hurricane Andrew and the strength and resilience of our communities that rose from the rubble. Public adjusters played a vital role in helping families and businesses rebuild, ensuring they received the compensation they deserved in their greatest time of need. 🏚️➡️🏡

We invite you to share your stories of recovery and resilience from Hurricane Andrew. Visit voicesofpolicyholders.com or share your experiences in the comments below. Let’s honor those who fought for fairness and continue to advocate for policyholders today. 💪💙

08/24/2024

Today marks the 32nd anniversary of Hurricane Andrew's landfall in Homestead and South Dade. Many of us still remember the devastation caused by the category 5, first named storm of the 1992 Hurricane Season. That experience led to innovation in technology and tools that allow experts to better study, forecast, and prepare for major weather events. As a result, today we are much better prepared to respond to hurricanes.

08/22/2024

Very special thanks to the great minds that support FAPIA as their public adjuster business resource! Today, we recognize our new and renewing members! Thank you for making the vital work we do possible.

New
Brian Parker, Derek Kobel, Isabel Abreu, Jason Trolinder, Jonathan Solares, Jordan C Truelove, Jose Acosta, Kimberlyn Urquiola, Martin Rosenberg, Michael Creed, Michelle Fromen, Patrick Naddy, Robert Griffin, Ruben Heredia and William Rosselle.

Renewal
Adam Dejura, Adam Donatelle, Adanais Marcote, Alexander Diez, Alfredo Moreno, Allan Brodsky, Andrew Altieri, Aneyda Diaz, Angel Ferro, Aryeh Fraser, Baruch Anidjar, Bellanires Alarcon, Brian Christensen and Brian Manning, Brian Ragin, Brian Rothring, Brian Shipley, Brian Sierra, Bruce Bodor, Candice Toxey, Candy Torres, Carlos Manresa, Carlos Vela, Christopher Blalock, Christopher Meng, Christopher Scarlett, Cindy Wooldridge, Claudia Arbelaez, Clint Umbrell, Daniel Lackey, Daniel Odess, David Berkowitz, David Iannacone, David Morano, David Walker, Dudley Dillon, Elizabeth Youdell, Enmanuel Cuevas-Ortiz, Enrique Tapanes, Eric Hyman, Eric Yeager, Ernest Quinoa, Ethan Gross, Eugene Petilli, Gary Ahrens, Gregory Siviur, Guillermo Reynes, Harold Matzner, Henry Luis, Jacquelyn Wheeler-Hale, James Donato, James Williamson, Jeanne Reed, Jeff Sabel, Jennifer Penn, Jenny Sanchez, John Carr, John Franzese, Jose Nodal, Jose Villacis, Joshua Connor, Juli Mohan, Kimberly Rodriguez, Laura Hernandez, Leor Rabin, Luis A Torres, Maria Shalack, Matthew Higgins, Matthew Morrison, Michael Keeler, Michael Piltaver, Olga Fonte, Oscar Martinez, Pasquale Cuccaro, Paul Gordon, Phillip Smith, Rachel Toro, Ramon Rodriguez, Raul Labarca, Raymond Altieri, Raymond Penge, Richard Cylc, Richard Redd, Ryan James, Sandra Corzo, Stefan Basic, Steffany Velasquez, Stuart Grimes, Tallulah Lusky, Tenley Warhurst, Trevor Back, Wesley Vincent, William Foley, William Midtbo and William Rosselle

08/19/2024

Neighborhoods that have never flooded in Sarasota County saw large amounts of water in some areas after Hurricane Debby. And, many of the homeowners didn't have flood insurance. State Senator Joe Gruters says he wants answers as to why those communities are experiencing unprecedented flooding.

Neighborhoods that have never flooded in Sarasota County saw large amounts of water in some areas after Hurricane Debby. And, many of the homeowners didn't h...

08/19/2024

Protect Yourself from Fraud: Verify Your Insurance Coverage

At FAPIA, we have a ZERO TOLERANCE policy against insurance fraud no matter what the source. In this case it was a previously respected insurance agent who was allegedly stealing premiums and not purchasing the insurance for policyholders!!!

Policyholder Tip: Always verify your coverage by confirming that your policy is in effect directly through your insurance company’s official channels, whether that’s via their website, customer service line, or official correspondence. Do not rely solely on third-party communications or intermediaries. This simple step can safeguard you from potential fraud, such as fake policies or unauthorized changes to your coverage.

By taking these precautions and working with trusted licensed professionals, you can protect your rights and ensure you are fully covered when it matters most.

Reid McDaniel of McDaniel Insurance Solutions in North Fort Myers was arrested for embezzlement and grand theft on Thursday.Subscribe to WBBH on YouTube now ...

08/17/2024

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08/14/2024

**💡 National Financial Awareness Day: Secure Your Future Today! 💡**

Today is National Financial Awareness Day—a reminder to take charge of your financial health! At FAPIA, we know that understanding your finances, especially your insurance coverage, is crucial to protecting your home and business.

Did you know that being informed about your insurance policy can make all the difference when disaster strikes? Public adjusters play a vital role in ensuring you receive fair compensation from your insurance carrier.

On this day, we encourage you to:
📄 Review your insurance policies
🛡️ Ensure you have adequate coverage
💬 Consult with a licensed public adjuster for expert advice

Financial awareness isn't just about budgeting—it's about safeguarding your assets. FAPIA is here to help you navigate the complexities of insurance, ensuring you’re prepared for whatever life throws your way.

08/13/2024

🌪️ Remembering Hurricane Charley - 20 Years Later 🌪️

Today, we pause to remember the devastating impact of Hurricane Charley, which made landfall on August 13, 2004. Twenty years have passed since this powerful Category 4 storm changed the lives of so many Floridians.

It was a Friday the 13th. Charley brought immense destruction, but it also brought out the best in our communities—neighbors helping neighbors, first responders working tirelessly, and a resilience that defines the spirit of Florida.

At FAPIA, we continue to stand with those affected, ensuring that every policyholder receives the full and fair compensation they deserve. As we reflect on this anniversary, we are reminded of the critical role that public adjusters play in helping homeowners and businesses rebuild after such tragedies.

Let’s honor the memory of Hurricane Charley by staying prepared, staying informed, and supporting one another as we continue to advocate for fair insurance practices across our state.

08/12/2024

We're proud to represent the dedicated public adjusters who play a crucial role in protecting Florida's policyholders! If you're navigating the insurance claim process, it's important to know you can have a trusted advocate on your side. Public adjusters are licensed, bonded, and expertly trained to ensure you receive the full and fair compensation you deserve. Always make sure to select a properly licensed insurance professional to assist you with your claim. Find yours at www.fapia.net

08/12/2024

Learn more about the important benefits of FAPIA membership. FAPIA is working hard for you and your support is essential to our success. Join FAPIA today! https://www.fapia.net/apply.html

In this video, I will be sharing the story of how the Florida Association of Public Insurance Adjusters (FAPIA) came to be and the impact they have had over the past 30 years. After Hurricane Andrew, a group of determined public adjusters discovered that the state was trying to shut down their indus...

08/12/2024

Potential Tropical Cyclone (PTC) 5 has developed. Remember, it's a PTC because it's does not have a well defined core to be classified as a depression, but is close enough to land (and possible landfall) that watches need to be issued along with a track. The forecast is for slow strengthening into Tropical Storm Ernesto by Monday afternoon. Tropical storm watches are now up for a portion of the northern Lesser Antilles. A sharp turn to the north is forecast near Puerto Rico.

08/11/2024

Some Red Cross shelters are open in the SW and NW Florida regions. If you need shelter after Debby, find open shelter locations at

If you are in immediate need of shelter during a disaster, use our shelter map to locate your nearest options or contact your local Red Cross chapter.

08/11/2024

Were you impacted by Hurricane Debby in Florida? No flood insurance to cover your damaged home or business? Has a public adjuster already reviewed your claim and found that you have no coverage? You may need to turn to FEMA to see if you are eligible for assistance. Learn more at

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08/11/2024

Euro ensembles REALLY keep what will likely become Ernesto WELL to the East of Florida. It does, however, get rather close to Puerto Rico.

08/10/2024

Special thanks to Tampa's own Chief Meteorologist Denis Phillips for his weather update. Remember rule #7. Don't freak out (until he tells you to). Meanwhile, get your preparedness plans in order and keep an eye on the tropics this week.

08/09/2024

You thought you bought a safety net. You were forced to buy the "safety net" because you have a mortgage. But you may learn, if you have a claim, that your "safety net" has a lot of holes in it and you really bought a bucket full of empty promises. Do you know what's in your insurance policy? Don't feel bad. Most people have no idea. Contact your trusted, local, FAPIA member, public adjuster and learn what you've got (and what you don't). Better to know now than be surprised when you have to make a claim.

https://iansbnr.com/shrinkflation-in-the-florida-insurance-market/

United Policyholders Texas Association of Public Insurance Adjusters National Association of Public Insurance Adjusters (NAPIA) The American Policyholder Association American Association of Public Insurance Adjusters Georgia Association of Public Insurance Adjusters (GAPIA)

"This group is what gives the public insurance adjusting industry a great name" State Rep Sean Shaw