National Association of Public Insurance Adjusters (NAPIA)

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National Association of Public Insurance Adjusters (NAPIA) NAPIA is the oldest national trade association representing public insurance adjusting professionals and firms.

The National Association of Public Insurance Adjusters (NAPIA) was established in 1951 to promote a higher standard for policyholder advocacy. Public insurance adjusters are licensed to serve the general public and deliver knowledgeable and experienced representation when filing a claim for property damage. The founding members of NAPIA envisioned an association that would provide the appropriate resources for policyholder advocates in pursuit of successful claims resolution. Follow us on Facebook, Instagram, Twitter, LinkedIn.

Why Large Home Insurance Checks Often Include Your Mortgage Company 🏠💰After a significant homeowners loss, many policyho...
10/12/2026

Why Large Home Insurance Checks Often Include Your Mortgage Company 🏠💰

After a significant homeowners loss, many policyholders are surprised to see the insurance check made payable not only to them, but also to their mortgage company (or loan servicer). When the mortgage company is listed, you typically cannot deposit and use the funds without their endorsement.

This is usually tied to the lender’s interest in the property. The home is collateral for the loan, so when there is major damage, the lender wants to ensure claim funds intended for repairs are actually used to restore the structure.

In practice, this often means the payment goes through a mortgage “loss draft” or repair escrow process. Funds may be released in stages as repairs progress, sometimes with supporting paperwork and inspections before each release. It can add time and coordination, but it is meant to reduce the risk of repairs being left incomplete.

If you experience a larger loss, it helps to contact your mortgage servicer early, ask what documentation they require, and plan for repairs to be funded in draws rather than all at once.

🏗️ Overhead & Profit (O&P)📖 Definition:Overhead & Profit, often shortened to O&P, is a line item on a repair estimate th...
10/09/2026

🏗️ Overhead & Profit (O&P)

📖 Definition:
Overhead & Profit, often shortened to O&P, is a line item on a repair estimate that covers a general contractor's business costs, such as office expenses, supervision, equipment, and a reasonable profit margin. It is commonly calculated as 10% overhead and 10% profit.

🏠 Example:
After a storm, a home needs roofing, drywall, painting, and electrical repairs. Because several trades are involved, a general contractor is needed to schedule, coordinate, and supervise the work. O&P accounts for the cost of that coordination on top of the individual repair items.

💡 Why It Matters:
O&P is easy to skim past because it sounds administrative, but it can make a significant difference in your claim, especially on larger losses. Whether it is included affects how much money is available to complete the work properly. Understanding how your policy treats contractor overhead helps you know whether the estimate on your claim reflects the full picture of the work being done.

🔦 NAPIA Past Presidents Spotlight: Irwin G. Block36th President of NAPIA (1995–1996)Irwin G. Block practiced public adju...
10/07/2026

🔦 NAPIA Past Presidents Spotlight: Irwin G. Block
36th President of NAPIA (1995–1996)

Irwin G. Block practiced public adjusting in New York City and was associated with Goldstein Affiliates, where he worked alongside fellow NAPIA Past President Roy Lubell.

Block was remembered as a knowledgeable public adjuster with particular experience handling large and complex losses. His ability to navigate significant claims made him a respected professional during his years in the industry.

Beyond his professional career, those who knew Block also remember him as a devoted family man, with his wife and children playing an important role in his life.

During his 1995–1996 term as NAPIA’s 36th President, Block continued a tradition of industry professionals volunteering their time and experience in service to the Association and the public adjusting profession.

We recognize Irwin G. Block for his service as NAPIA’s 36th President and his place in the Association’s history.

Claims Timing 101: Why the First 48 Hours Matter More Than the Next 48 DaysAfter property damage, most people naturally ...
10/05/2026

Claims Timing 101: Why the First 48 Hours Matter More Than the Next 48 Days

After property damage, most people naturally focus on the big picture: repairs, money, and how long everything will take. But the first two days after a loss often do more to shape a claim than the next several weeks.

That is because the early hours are when evidence is still fresh, conditions are easier to document, and temporary steps can be taken to keep the damage from getting worse. Photos, videos, a basic list of damaged property, prompt notice to the carrier, and other documentation can all make a difference. So can protecting the property from additional harm, whether that means tarping, drying, boarding up, or other reasonable emergency measures.

Those first 48 hours also tend to set the tone for everything that follows. If the damage is documented clearly at the start, it is easier to explain what happened and what changed afterward. If emergency mitigation is delayed, a smaller loss can become a larger and more complicated one. And once conditions change, water spreads, debris is removed, or damaged items are discarded, it can become harder to show the full extent of what was there in the beginning.

That does not mean a claim has to be perfect on day one. It means the early response matters disproportionately. The first 48 hours are usually when homeowners have the best chance to preserve the story of the loss, protect the property, and avoid preventable problems later in the claim.

📣 GET PUBLISHED. GET NOTICED. BE PART OF THE CCJ!Just two weeks left! The October 15 deadline for the Fall/Winter 2026 e...
10/02/2026

📣 GET PUBLISHED. GET NOTICED. BE PART OF THE CCJ!
Just two weeks left! The October 15 deadline for the Fall/Winter 2026 edition of NAPIA's Consumer Claims Journal (CCJ) is quickly approaching.

✍️ Share your expertise
Have industry knowledge, experience or insight to share? Submit an article for consideration and showcase your expertise in NAPIA's respected publication, read by industry professionals and consumers alike.
👉 Submit an Article: https://www.napia.com/articles

📢 Showcase your company
CCJ advertising space is going fast! Reserve your spot and submit your final ad materials before the deadline.
👉 Purchase & Submit Your Ad: https://www.napia.com/products/consumer-claims-journal-magazine

⏰ DEADLINE: Thursday, October 15, 2026

Be published. Be seen. Be part of the CCJ.

🏚️ Functional Damage📖 Definition:Functional damage is damage that affects how a part of your property performs, even if ...
10/02/2026

🏚️ Functional Damage

📖 Definition:
Functional damage is damage that affects how a part of your property performs, even if it still technically works or looks fine from the outside.

🏠 Example:
A roof that hasn't leaked yet may still have lost its integrity after a hailstorm. A wall may still be standing but no longer hold the way it should. In both cases, the damage is real even though it isn't obvious in a quick walkthrough.

💡 Why It Matters:
The difference between "still standing" and "still working" is often where claims get quietly resolved in ways the policyholder never intended. Functional damage is easy to overlook and easy to dispute, so understanding it helps you recognize when a closer inspection is needed. If something on your property feels "off" after a loss, even if it looks fine, that's worth a closer look.

🔦 NAPIA Past Presidents Spotlight: Stephen R. Figlin, SPPA, FPPA35th President of NAPIA (1994–1995)Stephen R. “Steve” Fi...
09/30/2026

🔦 NAPIA Past Presidents Spotlight: Stephen R. Figlin, SPPA, FPPA
35th President of NAPIA (1994–1995)

Stephen R. “Steve” Figlin, SPPA, FPPA, is a Senior Executive Adjuster with Young Adjustment Company and a seasoned public adjuster with decades of experience handling complex insurance claims. He entered the industry in 1966 after attending Temple University and the University of the State of New York, later founding Stephen R. Figlin & Associates in 1977 before he and his team joined Young Adjustment Company in 2009.

Nationally recognized for his commitment to fair claim settlements and client advocacy, Steve is a past President of the National Association of Public Insurance Adjusters (NAPIA) and holds both the Senior Professional Public Adjuster (SPPA) and Fellow in Public Adjusting (FPPA) designations. He specializes in complex first-party property damage claims—commercial, industrial, multifamily, and significant residential losses—representing insureds nationwide in the preparation, presentation, and adjustment of their claims.

NAPIA proudly recognizes Stephen R. Figlin, SPPA, FPPA—respected technical expert, long-time firm leader, and trusted ally to policyholders.

NAPIA President Tim Woodard and Immediate Past President Justin Skipton were proud to attend and support United Policyho...
09/29/2026

NAPIA President Tim Woodard and Immediate Past President Justin Skipton were proud to attend and support United Policyholders’ Up to Good fundraiser.

NAPIA and United Policyholders share an important mission: protecting and educating policyholders and ensuring they have a strong voice when navigating the insurance claims process.

We value our relationship with United Policyholders and are proud to support the work they do on behalf of insurance consumers across the country.

Your Membership at Work.

💧 Water Intrusion📖 Definition:Water intrusion occurs when water improperly enters a building. This may involve water ent...
09/25/2026

💧 Water Intrusion

📖 Definition:
Water intrusion occurs when water improperly enters a building. This may involve water entering through the roof, windows, doors, walls, foundation, plumbing system, or another part of a structure.

🏠 Example:
After a storm, wind damages part of a roof and rainwater enters the home. The homeowner later notices ceiling stains, wet insulation, and damaged drywall. The claim may require determining where the water came in, what caused the opening, and how far the moisture traveled.

💡 Why It Matters:
Water intrusion can be easy to underestimate. What starts as a small stain or wet area may involve hidden moisture behind walls, under flooring, or inside insulation. When you have water intrusion, identifying the source of the water, documenting the damage, and understanding the cause of the intrusion are important parts of evaluating coverage and repair scope.

🔦 NAPIA Past Presidents Spotlight: Edward S. Manfredonia, Jr.34th President of NAPIA (1993–1994)Edward S. Manfredonia, J...
09/23/2026

🔦 NAPIA Past Presidents Spotlight: Edward S. Manfredonia, Jr.

34th President of NAPIA (1993–1994)

Edward S. Manfredonia, Jr. was a New York public adjuster and longtime active member of NAPIA who served as the association's 34th President from 1993–1994.

A local practitioner on Long Island with Edward S. Manfredonia Firm in New York City, Manfredonia was known within the association for his dedication to NAPIA and his efforts to promote the public adjusting profession.

He was also a strong advocate for mentorship within the industry, encouraging experienced public adjusters to share their knowledge with the next generation entering the profession. Fellow NAPIA Past Presidents remember him as a great guy, well-liked throughout the association, and someone who was deeply committed to NAPIA and its members.

Today, we remember Edward S. Manfredonia, Jr. for his leadership, service, and commitment to carrying the knowledge of the profession forward.

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1400 Village Square Boulevard, Suite 3, #187
Tallahassee, FL
32312

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Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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+17034339217

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