Welcome to NAPIA!

NAPIA is the National Association of Public Insurance Adjusters.  Public Adjusters are experts on property loss adjustment who are retained by policy holders to assist in preparing, filing and adjusting insurance claims.  NAPIA members across the United States have joined together for the purpose of professional education, certification, and promotion of a code of professional conduct.

What is a Public Adjuster?

Public Adjusters are professionals who are employed exclusively by policyholder who has sustained an insured loss.  They handle every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible.  A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company.

What kinds of claims can a Public Adjuster help with?

A sampling of the types of residential or business losses a Public Adjuster can assist with:

Flood Collapse Fire Explosion

Hurricane and wind damage Riot or civil commotion Smoke damage Vandalism or theft

Often, physical damage loss can trigger numerous additional losses for businesses.   Among the numerous business insurance forms a Public Adjuster will assist with are:

Business Income Builders' Risk Mechanical and Electrical Breakdown

Extra Expense and Expediting Expense Leasehold Interest

Why does a property owner need a Public Adjuster?

A Public Adjuster works for the property owner, not the insurance company. The highly stressful period following a loss is a difficult time for individuals and businesses. A Public Adjuster can take those major headaches away and let you get back to your home or business. A typical fire or flood policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. Most policyholders do not know that the burden of proof is theirs. Public Adjusters know the insurance business and are familiar with all procedures so they can work quickly to expedite payments.

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