HB 1972 Hurts PAs and Homeowners — Take Action Now

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Help Stop Pennsylvania House Bill 1972

Help Stop Pennsylvania House Bill 1972 — Protect Public Adjusters and Policyholders

Education, Insurance Adjuster, New Legislation /

Across Pennsylvania, a new piece of legislation is threatening the very foundation of fair claims handling. House Bill 1972 (HB 1972) may be promoted as a “consumer protection” measure, but in reality, it would devastate both public adjusters and the policyholders they serve. The American Adjuster Association (AAA) has officially joined the Mid-Atlantic Association of […]

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Florida HB 1047

Florida HB 1047: Adjusting the Balance Between Insurers, Public Adjusters, and Policyholders

Education, Insurance Adjuster, New Legislation /

In Florida, property insurance reform has been at the forefront of nearly every legislative session in recent years. With hurricanes, tropical storms, and flooding causing billions in damages, lawmakers are searching for ways to stabilize the insurance market. The latest proposal, known as House Bill 1047 (HB 1047), introduces new requirements for both insurers and

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California AB 597

California’s AB 597: What Policyholders and Public Adjusters Need to Know

Education, Insurance Adjuster, Insurance Claims, New Legislation /

California lawmakers are considering Assembly Bill 597 (AB 597), a measure that could dramatically change how public adjusters operate in the state. While the bill is framed as a consumer protection effort, many in the industry argue it could unintentionally make it harder for policyholders to access fair representation—especially after catastrophic disasters like wildfires or

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Why Massachusetts Needs H1242

Why Massachusetts Needs H1242: Shielding Policyholders from Unchecked Drone Surveillance in Insurance

Education, Insurance Claims, New Legislation /

In an era of surging technological innovation, insurance companies are increasingly turning skyward. Drones, satellites, and other aerial platforms offer insurers a high-altitude vantage to scrutinize your roof, your property, and even your tree limbs—often without your knowledge. While useful in certain contexts, this shift outpaces the safeguards protecting homeowners. That’s why Massachusetts House Bill

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Pennsylvania Public Adjuster Licensing Amendments

Pennsylvania’s Proposed Public Adjuster Licensing Amendments: What Consumers Need to Know

Education, Insurance Adjuster, New Legislation /

When Pennsylvanians file an insurance claim, they expect the process to be straightforward and fair. But the reality is often far more complicated, with technical policy language, strict deadlines, and negotiations that tilt in favor of insurance companies.  That’s why the state’s laws governing public adjusters, licensed professionals who advocate for policyholders, are so important. 

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Florida Appeals Court Rules Attorney Fee Repeal Cannot Be Applied Retroactively

Florida Appeals Court Rules Attorney Fee Repeal Cannot Be Applied Retroactively

Education, Insurance Claims, New Legislation /

In August 2025, Florida’s Fifth District Court of Appeal (5th DCA) issued a ruling in Blumberg v. SFIC that could reshape the landscape of property insurance litigation in the state. The court held that the repeal of statutory attorney fees in property insurance cases cannot be applied retroactively. This ruling preserves policyholder rights under insurance

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Maryland Insurance Administration Moves to Ban Depreciation of Labor Costs

Maryland Insurance Administration Moves to Ban Depreciation of Labor Costs

Education, Insurance Claims, New Legislation /

In April 2025, the Maryland Insurance Administration (MIA) released Proposed Bulletin 25-XX, a draft directive that would significantly change how property insurance claims are handled in the state. The bulletin makes clear that labor costs cannot be depreciated when insurers calculate actual cash value (ACV) payments. If finalized, this change will provide important consumer protections,

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safeco cosmetic damage exclusion case study

Case Study: SafeCo Cosmetic Damage Exclusion Costs Homeowner $25k

Education, Insurance Claims, Stories /

Policyholders with a metal roof need to pay careful attention to policy details – especially the SafeCo cosmetic damage exclusion related to hail damage.  Hail storms have not just increased in frequency over the past decade but size as well. As a result, states like Colorado can expect several massive hail events each year, a

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cosmetic damage exclusion

Don’t Get Fooled By Cosmetic Damage Exclusions

1 Comment / Education, Insurance Claims, Stories /

As the threat of massive hail storms increases, so does the amount of cosmetic damage exclusions in insurance policies. Exclusions are one way insurance carriers limit coverage and reduce claim payout. Cosmetic damage exclusions usually apply to metal roofs but also siding, windows, and other exterior components. If the insurance carrier determines the damage is

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How Insurance Carriers Use Engineers To Deny Valid Claims

How Insurance Carriers Use Engineers To Deny Valid Claims

1 Comment / Education, Insurance Adjuster, Insurance Claims, News /

Are insurance carriers asking engineers to falsify reports and deny valid claims? If so, how widespread is this practice? A recent investigation into property damage claims in Texas found that third-party engineers working for USAA doctored engineer reports to deny valid claims. In every instance, the claim adjuster recommended full roof replacements on homes damaged

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