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.

06/12/2026

🚨 It's Official🚨 : The 2026 NAPIA Annual Meeting is SOLD OUT!
We can't wait to see our attendees next week in Plano, Texas!

A Duties After Loss provision is the part of a property insurance policy that lists what you must do after a loss to acc...
06/12/2026

A Duties After Loss provision is the part of a property insurance policy that lists what you must do after a loss to access your policy benefits—like promptly reporting the claim, cooperating with the insurer’s investigation, providing requested information, and protecting the property from further damage.

🧠 Example: After a water loss, you notify the carrier right away, take reasonable steps to prevent additional damage, and provide the documents the insurer requests so it can investigate and adjust the claim.

⚠️ Why It Matters: If you don’t comply, the insurer may delay payment, reduce the settlement, or in more serious cases deny the claim—especially if your noncompliance materially affects the insurer’s ability to investigate.

🎉 ‼️ 👏 A huge THANK YOU to our incredible sponsors and exhibitors for supporting the 2026 NAPIA Annual Meeting!Your part...
06/12/2026

🎉 ‼️ 👏 A huge THANK YOU to our incredible sponsors and exhibitors for supporting the 2026 NAPIA Annual Meeting!

Your partnership helps bring our industry together, fuels valuable education and networking opportunities, and creates an unforgettable experience for attendees from across the country.

We're grateful for your commitment to NAPIA and the public adjusting profession, and we're excited to showcase your organizations in Texas next week!

🔦 NAPIA Past Presidents Spotlight: Sidney Greenspan19th President of NAPIA (1977–1979)Sidney Greenspan led NAPIA for two...
06/10/2026

🔦 NAPIA Past Presidents Spotlight: Sidney Greenspan
19th President of NAPIA (1977–1979)

Sidney Greenspan led NAPIA for two consecutive terms — a reflection of the trust and confidence placed in his leadership by fellow members. During this period, NAPIA continued to mature organizationally, expanding its influence and sharpening its professional identity. Greenspan championed the association’s commitment to high standards and strengthened its role as a resource for both members and policyholders.

Could a Federal “Backstop” Help Stabilize Home Insurance? 🏠🌪️A new idea being discussed is a federal reinsurance backsto...
06/08/2026

Could a Federal “Backstop” Help Stabilize Home Insurance? 🏠🌪️

A new idea being discussed is a federal reinsurance backstop for homeowners insurance—basically, a government-run “shock absorber” for the biggest, rarest natural-disaster losses. The proposal (sometimes described as “US Re”) would sell reinsurance to insurers and reinsurers and would be designed to kick in for extremely severe catastrophes, using the federal government’s borrowing capacity to pay claims without the same price spikes seen in the private reinsurance market.

Supporters argue this could help smooth out the wild swings homeowners see after big disaster years—making coverage more consistent and more affordable over time, improving disaster recovery, and reducing ripple effects in housing and mortgages when insurance becomes scarce or suddenly more expensive.

Critics say a federal backstop doesn’t fix the underlying reasons premiums are rising: growing catastrophe risk, weak land-use planning and building codes, underfunded infrastructure and emergency response, inflation and rebuilding costs, and rising litigation costs—and they warn it could end up shifting costs to taxpayers instead of pushing reforms. Whether homeowners actually benefit long-term depends on how it’s funded and whether risk is reduced at the same time.

🗣📢 The Spring/Summer 2026 edition of the Consumer Claims Journal is here!
06/05/2026

🗣📢 The Spring/Summer 2026 edition of the Consumer Claims Journal is here!

Valued Policy Laws are state rules that can require a property insurer to pay the full building limit shown on your poli...
06/05/2026

Valued Policy Laws are state rules that can require a property insurer to pay the full building limit shown on your policy when a covered building is a total loss from a covered peril. In plain terms, if the building is truly “gone,” your payout should be based on the limit you bought.

🧠 Example: A fire destroys a home beyond repair. In a state with a valued policy law (and when it applies), the insurer may owe the full Coverage A limit for the building.

⚠️ Why It Matters: The key question is often whether the damage counts as a total loss—and that can be the tricky part. States may look at things like whether the structure has lost its basic identity, whether a reasonable owner would rebuild using what’s left, or whether it would cost more to repair than replace. And because these laws vary by state, the rules (and results) can be different depending on where the property is located.

🔦 NAPIA Past Presidents Spotlight: Robert H. “Bob” Deull, SPPA18th President of NAPIA (1976–1977)Robert H. “Bob” Deull, ...
06/03/2026

🔦 NAPIA Past Presidents Spotlight: Robert H. “Bob” Deull, SPPA
18th President of NAPIA (1976–1977)

Robert H. “Bob” Deull, SPPA, carried forward a family legacy that reaches back nearly a century. His father, Irwin Deull, became a public adjuster in the 1930s and was an early member of NAPIA. In 1960, Bob followed in his footsteps, joining the firm his father and uncle, Sidney Lewis, founded in Buffalo—New York Fire Adjustment. Not long after Bob entered the business, his father passed away, making Bob’s later election as NAPIA president in 1976–1977 an especially meaningful milestone in a legacy his father deeply believed in.

Over the course of his career, Deull worked claims across a wide geography—New York, California, Pennsylvania, Florida, South Carolina, Georgia, Texas, as well as Canada and Mexico. Along the way, he built relationships and memories that extended beyond loss sites. Eventually, after many years in his own firm, New York Fire Adjustment Corp. was acquired by National Fire Adjustment Company and the Papa family, bringing one historic name in public adjusting into another.

In 2000, NAPIA honored him with its Person of the Year award, recognizing a career defined by service, professionalism, and quiet but enduring impact.

NAPIA proudly recognizes Robert H. “Bob” Deull, SPPA—second-generation adjuster, 18th president, Person of the Year honoree, and a steadfast believer in the mission and future of the public adjusting profession.

NAPIA leadership supporting the Florida Association of Public Insurance Adjusters at their FAPIA Live event, and their P...
06/02/2026

NAPIA leadership supporting the Florida Association of Public Insurance Adjusters at their FAPIA Live event, and their President Frank Altieri- son of NAPIA & FAPIA Past President Raymond Archangelo Altieri Jr.

Congrats Frank- great event!!!!

Do you have a Home-Based Business? Your Homeowners Policy May Not Be Enough.A lot of people assume that if they run a bu...
06/01/2026

Do you have a Home-Based Business? Your Homeowners Policy May Not Be Enough.

A lot of people assume that if they run a business from home, their homeowners policy will automatically cover it. That assumption can create problems.

A standard homeowners policy is built to insure a home and personal property. It is not necessarily designed to fully protect business equipment, inventory, or business-related liability. So while the house itself may be insured, the business activity happening inside it may not be covered the way people expect.

That matters because a home-based business can create exposures that look very different from ordinary home use. Maybe you keep tools, products, or specialized equipment at the house. Maybe you ship items out regularly or have clients, customers, or vendors coming onto the property. Once the home is being used for business purposes, the insurance issues can change with it.

Liability can be an especially important concern. If someone is hurt in connection with the business, or if there is a loss tied to the business operation itself, a homeowner can find out too late that personal coverage and business coverage are not the same thing.

Depending on the size and nature of the operation, the solution may be an endorsement, a home-business policy, or separate business coverage. But the larger point is simple: once a home starts functioning as a place of business, it is worth making sure the insurance reflects that reality.

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

Opening Hours

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

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+17034339217

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