Your Home. Your Coverage. Your Choice. After a storm, fire, or catastrophic loss, Kentucky policyholders deserve fair representation. Two bills in the legislative session could prevent that. Right now, HB 568 and SB 153 threaten to restrict access to licensed Public Adjusters, the only insurance professionals legally obligated to represent policyholders. These bills are being […]
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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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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
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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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
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.
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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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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HB 1310, also known as the “Protect My Home” law, has been introduced in Georgia. If passed, this bill will amend Chapter 32 of Title 33 of the Official Code of Georgia Annotated to ensure fair claim payment to policyholders. With 16 sponsors, this bill has the potential to transform the property damage claim process
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When a property damage insurance claim is wrongfully denied or underpaid, the costs associated with getting a fair payment often fall on the policyholder. This includes, but is not limited to, the use of Public Adjusters, appraisers, and other subject matter experts that must prove the insurance company made an error in judgment. The burden
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