National Association of Public Insurance Adjusters (NAPIA)

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.

!! South Carolina Public Adjusters: Important Licensing Update !! South Carolina has enacted new requirements affecting ...
08/21/2026

!! South Carolina Public Adjusters: Important Licensing Update !!

South Carolina has enacted new requirements affecting public adjusters licensed in the state.

On May 19, 2026, Governor Henry McMaster signed S.196 into law as Act No. 209, making several changes to South Carolina's public adjuster licensing requirements.

Among the key changes:

🔹 $20,000 Bond Requirement
Resident and non-resident public adjusters must obtain a $20,000 bond. Required documentation must be submitted to the South Carolina Department of Insurance by September 30, 2026. Failure to submit the required documents may result in cancellation of the license.

🔹 Continuing Education
Beginning with the 2028 renewal period, public adjusters will be required to complete 24 hours of continuing education: 21 hours in property and 3 hours in ethics.

🔹 Public Adjuster Contracts
Contracts must now be approved by the South Carolina Department of Insurance before use. The Department has also made its own contract and disclosure statement available for immediate use.

🔹 Fingerprinting
Although fingerprinting provisions are included in the new law, the Department has advised that this requirement will not be implemented at this time while modifications are made to align with FBI requirements.

Public adjusters licensed in South Carolina are encouraged to review the full requirements, applicable forms, and guidance directly from the South Carolina Department of Insurance.

South Carolina DOI Bulletins & FAQs:
https://doi.sc.gov/DocumentCenter/Index/522

South Carolina DOI Forms:
https://doi.sc.gov/870/Forms

S.196 / Act No. 209:
https://www.scstatehouse.gov/sess126_2025-2026/bills/196.htm

A Victory for Policyholder Choice in MassachusettsMassachusetts has taken an important step forward for policyholders an...
08/20/2026

A Victory for Policyholder Choice in Massachusetts

Massachusetts has taken an important step forward for policyholders and the public adjusting profession.

Senate Bill 785 protects an insured’s right to hire, retain, consult with, and utilize a licensed public insurance adjuster—preventing insurance policies from taking that choice away from the policyholder.

This is a victory worth celebrating.

Massachusetts now joins a very small number of states that have taken legislative action to protect a policyholder’s ability to choose professional representation during the claims process.

But the work is far from finished.

With protections like these enacted in only three states, there is still a long road ahead to ensure policyholders across the country have the same freedom to seek professional assistance when navigating an insurance claim.

NAPIA is proud to support efforts that protect policyholder choice, strengthen the public adjusting profession, and ensure consumers have the right to representation when they need it most.

Today, we celebrate the victory. Tomorrow, we keep working.

🔦 NAPIA Past Presidents Spotlight: Bruce Swerling, SPPA, FPPA29th President of NAPIA (1988–1989)Bruce Swerling, SPPA, FP...
08/19/2026

🔦 NAPIA Past Presidents Spotlight: Bruce Swerling, SPPA, FPPA
29th President of NAPIA (1988–1989)

Bruce Swerling, SPPA, FPPA, served as NAPIA's 29th President and was widely respected for his professionalism, technical expertise, and unwavering commitment to the public adjusting profession. A recognized authority on complex commercial and business interruption claims, he generously shared his knowledge with colleagues and helped elevate the standards of the industry through education and mentorship.

His dedication to NAPIA extended well beyond his presidency. Bruce was honored as NAPIA's Person of the Year in 2004 for his inspirational leadership, invaluable service, and efforts to establish the Paul Cordish Memorial Fund, reflecting his belief in investing in the future of the profession.

As we celebrate NAPIA's 75-year legacy, we proudly recognize Bruce Swerling for the lasting impact he made on the Association, the profession, and the generations of public adjusters who continue to benefit from his example.

Thank you, Bruce Swerling, SPPA, FPPA, for your leadership, service, and enduring legacy.

A Win for California Insurance Consumers ⚖️NAPIA supported publication of Nargizyan v. State Farm, an important Californ...
08/18/2026

A Win for California Insurance Consumers ⚖️

NAPIA supported publication of Nargizyan v. State Farm, an important California decision addressing how insurers investigate water damage claims.

The decision reinforces that an insurer cannot simply assume damage resulted from long-term leakage. Coverage decisions must be based on a proper investigation and consideration of the available evidence.

After the decision was published, a request was made to have the opinion depublished. On August 12, 2026, the California Supreme Court denied that request — allowing Nargizyan to remain published precedent and be relied upon in future California cases.

NAPIA is proud to have supported keeping this important decision in California law and protecting the interests of insurance consumers.

Oklahoma Judge Rules State Farm CEO Can Be Questioned Under OathAnother development in an ongoing Oklahoma insurance dis...
08/17/2026

Oklahoma Judge Rules State Farm CEO Can Be Questioned Under Oath

Another development in an ongoing Oklahoma insurance dispute is drawing attention to State Farm’s claim-handling practices.

According to reporting from FOX23, an Oklahoma County judge has ruled that State Farm President and CEO Jon Farney can be questioned under oath as part of ongoing litigation involving the insurer.

The case centers on disputes over property claims and broader questions regarding State Farm’s practices and procedures. The ruling allows attorneys to seek testimony directly from the company’s top executive as the case continues.

This is an ongoing legal matter, and the ruling does not determine the underlying allegations or establish wrongdoing by State Farm.

For more details on the ruling and the case behind it, read the full report from FOX23:
https://fox23.com/news/local/ok-judge-rules-state-farm-ceo-can-be-questioned-under-oath-about-company-practices

Florida’s “My Safe Florida Home” Grants: Huge Demand, But Some Big Questions 🏠🌀Florida’s $833 million My Safe Florida Ho...
08/17/2026

Florida’s “My Safe Florida Home” Grants: Huge Demand, But Some Big Questions 🏠🌀

Florida’s $833 million My Safe Florida Home program has helped fund tens of thousands of home-hardening projects—especially new roofs—to reduce storm damage. But critics say the program isn’t always delivering the insurance savings homeowners expect, and some rules may even leave applicants stuck paying out-of-pocket.

One major concern is verification. A key storm-protection feature is a secondary water barrier under the shingles, but once a roof is finished, it can be hard for inspectors to confirm whether that layer was installed correctly. This is especially true when contractors don’t provide photos during the work.

Another issue is that the program is built around the idea that stronger roofs lead to meaningful premium credits, yet one analysis cited showed the average annual premium discount was about $18 after new roofs were installed.

And there’s a procedural “gotcha”: homes are inspected before and after the retrofit, but if the home fails the post-work inspection, there’s no automatic third inspection, which can potentially nullify grant funding and leave homeowners and contractors fighting over the cost.

Florida is also updating the mitigation inspection form effective April 1, adding more detailed questions about the type of secondary water barrier installed—an attempt to tighten the documentation around what’s actually being done on these roofs.

Hardening your home can be smart, but homeowners should understand the documentation and inspection requirements upfront, because the savings and grant outcome may not match expectations without clean proof of what was installed.

🔦 NAPIA Past Presidents Spotlight: William G. “Bill” Rake, SPPA28th President of NAPIA (1987–1988)William G. “Bill” Rake...
08/12/2026

🔦 NAPIA Past Presidents Spotlight: William G. “Bill” Rake, SPPA
28th President of NAPIA (1987–1988)

William G. “Bill” Rake, SPPA, is a Consulting Executive and Professional Public Insurance Adjuster with The Greenspan Company/Adjusters International, based in Los Angeles. Over more than 47 years with the firm, his leadership on multi-million-dollar losses has helped shape the company’s character, culture, and reputation as a trusted advocate for policyholders facing complex property claims.

A Philadelphia native, Rake earned both his Bachelor of Business Administration and law degree from Temple University before beginning his legal career in Pennsylvania. He later moved to California, joined The Greenspan Company as a general adjuster, and steadily advanced through the organization while working on sophisticated commercial and institutional losses. He maintains a California law license, has been retained as an expert witness in numerous litigation matters, and is certified as a Senior Professional Public Adjuster (SPPA) by NAPIA.

Rake is a past president of NAPIA and has served on the boards of multiple corporations and associations. An insurance writer, he authored Adjusting Today articles on negotiating property claims and the value of extended period of indemnity coverage—work that reflects his focus on thorough preparation, clear policy interpretation, and complete recovery for insureds.

NAPIA proudly recognizes William G. “Bill” Rake, SPPA—longtime leader, educator, and trusted advocate for policyholders and the public adjusting profession.

A Year After L.A.’s Wildfires, Rebuilding Is Still Crawling 🔥🏠One year after the Palisades and Eaton fires devastated pa...
08/10/2026

A Year After L.A.’s Wildfires, Rebuilding Is Still Crawling 🔥🏠

One year after the Palisades and Eaton fires devastated parts of Los Angeles County, the rebuild is moving far slower than most people would expect. Many neighborhoods are still largely empty lots, and most displaced residents still aren’t back home.

So far, fewer than a dozen homes have been fully rebuilt, even though around 900 homes are under construction and may not be finished until later in 2026.

The biggest bottleneck is money: homeowners describe major gaps between insurance payouts and actual rebuilding costs, making many hesitant to start construction or forcing them to dip into savings. The strain is reshaping communities too—more than 600 destroyed single-family properties have already been sold, signaling that some families are leaving rather than rebuilding.

The bigger lesson is that after a major catastrophe, the fire may end quickly, but the recovery can take years.

🔦 NAPIA Past Presidents Spotlight: William Goodman, SPPA, FPPA27th President of NAPIA (1986–1987)William Goodman, SPPA, ...
08/05/2026

🔦 NAPIA Past Presidents Spotlight: William Goodman, SPPA, FPPA
27th President of NAPIA (1986–1987)

William Goodman, SPPA, FPPA, served as NAPIA's 27th President during a period of continued growth and professional advancement for the Association. Building upon a family legacy in public adjusting, he provided thoughtful leadership while reinforcing NAPIA's commitment to professionalism, collaboration, and service to its members.

His presidency reflected a dedication to strengthening the Association and supporting the continued development of the public adjusting profession. Through his leadership, William Goodman helped carry forward the values that have guided NAPIA throughout its history.

As NAPIA celebrates 75 years of advocacy and leadership, we proudly recognize William Goodman, SPPA, FPPA, for his service and contributions to the Association.

Thank you, William Goodman, SPPA, FPPA, for your leadership and dedication to the public adjusting profession.

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