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Category: Business

How Much of “You” Is Beneficial in Your Business?

November 10, 2025 No Comments

Small business owners naturally shape their companies through their personalities, habits, and values — but those same traits can either propel or limit growth. When confidence turns into control, or financial caution becomes underinvestment, personal patterns start to show up in operations, finances, and relationships.

To stay balanced, owners should regularly assess how their behaviors affect people, process, and profit; seek honest accountability; and separate their personal identity from the company’s systems and reputation. The goal isn’t to remove yourself from your business, but to ensure it reflects the best parts of you — not the parts that hold it back.

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All’s Fair in Business and Collections

November 7, 2025 No Comments

When service professionals complete their work but payment is delayed or withheld, fairness and financial stability are jeopardized. Public adjusters, like many licensed professionals, face unique restrictions that often prevent adding collection fees to unpaid accounts — yet they still must recover what is owed without violating regulatory boundaries.

To prevent disputes, contracts should clearly define when payment is due, how it may be processed, and what remedies exist for nonpayment. Keeping detailed records of all communications and transactions strengthens the ability to prove entitlement if funds are misdirected or delayed.

If recovery becomes necessary, professionals should pursue lawful options such as written demand notices, small claims actions, or using licensed collection agencies where permitted. Strengthening future relationships through transparent agreements, direct payment methods, and compliance reviews helps avoid similar issues.

Ultimately, ensuring fair payment practices is both a matter of legal compliance and professional integrity — protecting the value of services rendered and the trust between all parties involved.

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Contractors in Ohio: The Wisconsin Warning You Can’t Ignore

October 28, 2025 No Comments

Wisconsin’s recent enforcement action against a contractor for violating Wis. Stat. § 629.10(3) highlights growing regulatory scrutiny over contractors who engage in the Unauthorized Practice of Public Adjusting (UPPA). The contractor was fined for combining repair services with “claim assistance,” a violation of consumer protection laws.

For contractors in Ohio, this serves as a critical warning. The same activities—negotiating insurance settlements, interpreting policy coverage, or marketing claim management services—can expose businesses to significant penalties under Ohio law. The issue is further complicated by the Cinnamon Ridge v. State Farm decision, which adopted the “line of sight” rule for determining material replacement boundaries. That ruling expands repair obligations but also increases the temptation for contractors to discuss claim scope or coverage—conversations reserved for licensed public adjusters.

To remain compliant, contractors should focus strictly on construction and restoration activities, ensure their contracts exclude claim negotiation, train staff to recognize legal boundaries, and refer insurance-related matters to licensed public adjusters. Collaboration and education within the industry are essential to prevent future enforcement actions and to protect both consumers and legitimate contractors from costly missteps.

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Independent Collaboration in Public Adjusting: Legality, Liability, and Control

October 17, 2025 No Comments

Independent public adjusters often collaborate to manage complex claims or bridge slow market periods—but questions about legality, liability, and control can make those partnerships tricky. This article explains when collaboration is permissible, how liability is assigned when working under another firm’s license, and what distinguishes an independent contractor from a statutory employee. With clear agreements, proper licensing, and respect for professional boundaries, collaboration between adjusters can be both compliant and mutually beneficial.

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The Leadership Dilemma: When Public Adjusters Step Away from the Field

October 15, 2025 No Comments

As public adjusting firms grow, many owners step back from hands-on claim handling to focus on leadership and business strategy. While this transition allows for stronger operations, staff development, and long-term stability, it can also create distance from market trends, field realities, and the technical skills that built their credibility. This article explores the balance between managing a business and maintaining professional relevance — offering insight into how firm owners can stay connected to the claims process while guiding their teams toward growth.

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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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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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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.