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Author: Angela Andrews

Intellect vs. Experience in Public Adjusting: What Truly Drives Excellence?

October 3, 2025 No Comments

Credentialing and continuing education provide public adjusters with up-to-date knowledge of policy interpretation, estimating standards, and regulatory compliance, enhancing their professionalism and credibility. However, real-world field experience offers irreplaceable insights into property damage, repair sequencing, and client communication. Rather than competing, these skill sets should complement each other. A balanced approach—where public adjusters pursue both formal training and hands-on work—leads to the most effective, productive, and accountable claims professionals.

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Should Contractors Refer All Insurance Clients to a Preferred Public Adjuster?

October 1, 2025 No Comments

Restoration contractors often work alongside public adjusters during insurance claims, but referring all clients to a single preferred public adjuster may not always be the best practice. This article explores the pros and cons of such blanket referrals, including benefits like streamlined communication and fairer settlements, as well as risks like licensing issues, conflicts of interest, and reputation damage. It also outlines best practices for making ethical, transparent, and legally compliant referrals that prioritize the client’s best interest. The goal is to help contractors build trust while supporting efficient and fair claims resolution.

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Part III: Building a Sustainable Future for Public Adjusters Amid Regulatory Reform

September 29, 2025 No Comments

As the insurance industry adapts to the 2024 NCOIL Public Adjuster Professional Standards Reform Model Act, public adjusters are being called to modernize their practices. Part III of this series explores proactive compliance strategies, transparent fee structures, and ethical referral relationships that can help public adjusters thrive in a more regulated environment. Rather than resisting reform, the article encourages adjusters to lead with professionalism, clarity, and strategic foresight.

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Part II: Navigating the Grey Areas — What Public Adjusters Need to Know About Fee Caps, Solicitations, and Legislative Ambiguity

September 26, 2025 No Comments

The regulatory environment for public adjusters is rapidly evolving. Part II of our series explores the growing confusion caused by vague legislative language and new fee caps inspired by the 2024 NCOIL Public Adjuster Professional Standards Reform Model Act. As states reinterpret key terms like “solicitation” and “advertising,” public adjusters must adapt—balancing compliance, profitability, and ethical advocacy. Learn how to navigate these grey areas and strengthen your practice through clear onboarding, sound documentation, and strategic business adjustments.

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The Changing Landscape: NCOIL’s 2024 Public Adjuster Model & Emerging Fee Cap Pressures

September 24, 2025 No Comments

As states begin adopting the 2024 NCOIL Public Adjuster Model Act, fee caps and new compliance burdens are reshaping how public adjusters serve policyholders. This article explores the growing trend of legislative restrictions, including the impact of 15% fee limits, and how they’re affecting access to representation, especially for small claims. It also highlights the unintended consequences of reform and sets the stage for adaptation strategies in Part II of the series.

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Invoicing Best Practices for Public Adjusters: Setting Expectations and Protecting Your Business

September 22, 2025 No Comments

In the world of public insurance adjusting, invoicing isn’t just about getting paid—it’s about setting the tone for a professional relationship rooted in trust and transparency. From the moment a contract is signed, adjusters should be clear about how fees will be assessed, when invoices will be issued, and what steps will follow if payment is delayed. With high workloads and complex claims processes, taking the time to build an effective invoicing protocol can save headaches down the road and help maintain healthy client relationships.

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Zen moments during a busy day

Insurance Claims Fatigue: How to Finish the Year Strong Without Burning Out

September 19, 2025 No Comments

As the year winds down, insurance claims professionals often face an overwhelming surge in workload, deadlines, and client expectations—leading to a condition known as claims fatigue. This end-of-year burnout is driven by high caseloads, slow carrier responses, emotional strain, and the pressure to close files before December 31st. To combat fatigue while maintaining high standards of service, professionals are encouraged to implement time-blocking strategies, communicate clear boundaries with clients, break large tasks into micro-goals, and take intentional breaks to recover. Reconnecting with the purpose behind the work helps restore energy and focus, ensuring a strong, sustainable finish to the year.

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Mileage odometer

Trip Charges for Property Inspections: Are They Appropriate in Insurance Claims?

September 17, 2025 No Comments

Trip charges are a legitimate and often necessary part of managing insurance property inspections—especially when travel exceeds a standard radius, such as 30 miles roundtrip. These charges help compensate for the time, fuel, and operational costs involved in site visits. Best practices include disclosing trip charges up front, using standard mileage rates or flat fees, and including them clearly in service agreements or invoices. While not always reimbursed by insurance carriers, travel-related costs can often be submitted as claim-related expenses when tied to inspection or documentation efforts. Setting expectations early protects professionals and supports smoother claim resolution.

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Commercial Property Inspection

How Matching Law Is Shaping the Future of Insurance Appraisals

September 15, 2025 No Comments

Contractors frequently refer clients to appraisal in hopes of resolving stalled insurance claims—but confusion still reigns over what the appraisal process can (and can’t) do. With new case law like Cinnamon Ridge v. State Farm reshaping expectations, it’s more important than ever for professionals to understand the evolving rules, risks, and responsibilities when negotiating claim values or recommending next steps. This article explores what appraisers need to know—and how to guide clients with clarity.

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Zero Trust

No Heads-Up, No Thanks: Why Referral Partners Deserve Better

September 12, 2025 No Comments

Public adjusters and attorneys often collaborate closely on insurance property damage claims, creating valuable referral partnerships. But when a law firm resolves a case without notifying the referring adjuster—or disburses funds without honoring the PA contract—it risks more than just professional trust. This article explores why clear communication and proper settlement coordination are essential to protecting both the client and the professionals supporting them.

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Satellite office in KY

Green Public

Insurance Adjusting

Is now in Kentucky serving clients affected by the tornados. Stop by our satellite location at 3205 US Highway 641 N in Benton, KY. We’re just down the road from the Kentucky Opry.