• Skip to primary navigation
  • Skip to content
  • Skip to primary sidebar

Johnson Strategies LLC - Test

Planning, Communications, Advocacy

  • Home
  • The JS Story
  • About JS
    • Mission
    • About Scott
    • Writing
  • Videos
  • Library
    • AOB prior to reforms effective July 1, 2019
    • AOB on and after reforms effective July 1, 2019
    • Citizens
    • Legislative Glossary
    • Government Studies and Reports
    • Miscellaneous Documents
    • Presentations and Powerpoints
  • Links
    • Government
    • Other Helpful Sites
  • Contact
You are here: Home / Archives for Public Adjusters

Public Adjusters

Public Adjusters as Appraisers–How Interested are the Disinterested?

June 6, 2020 - Opinion by Scott Johnson 4 Comments

I’m sure it’s just me, but…it often seems like the courts spend disproportional amounts of time litigating the obvious.

Case in point. The appraisal clause in most homeowner’s policies is constructed to resolve disputes regarding the amount of a claim.  This article examines the absurdity of allowing Public Adjusters (PA’s) to act as both a “disinterested” appraiser while also being paid a contingency fee by the policyholder. (See NOTE #1 below)

[Read more…] about Public Adjusters as Appraisers–How Interested are the Disinterested?

Filed Under: Public Adjusters

SEAN SHAW… for which people?!

July 15, 2014 - Opinion by Scott Johnson Leave a Comment

Sean Shaw, a Democrat from Tampa and Florida’s former Insurance Consumer Advocate (ICA) now favored to win the District 61 house seat (See Note #1 below), appears to have completely sold out.

True. His leanings were never much in question. Even as the ICA he pushed for free access to “Citizens”, meaningless sound-bite regulations like Insurer Report Cards and subsidies over sound premiums. The Charlie Crist Plan.

Occasionally dispensation is due statewide advocates representing inland policyholders and wealthy coastal homeowners simultaneously.

But, not anymore. Not for Shaw. [Read more…] about SEAN SHAW… for which people?!

Filed Under: Public Adjusters

PA’s & Claim Inflation…it happens!

June 25, 2014 - Opinion by Scott Johnson Leave a Comment

After my May 28 post titled “PA’s & Chip Merlin; “…until proven guilty!” I was contacted by a Miami public adjuster. He was “fed up” with his “entire profession.” He wanted to quit and do something else.

He talked about fraud and corruption. He spoke of fancy cars PA’s drive and how they couldn’t afford them if they acted ethically. He talked about how fraud is motivated by exorbitant contingency fees subtracted from amounts otherwise due the claimant.

Except for the anecdote on “fancy cars” I thought he was reading from one of my blogs. [Read more…] about PA’s & Claim Inflation…it happens!

Filed Under: Public Adjusters

PA’s & CHIP MERLIN; “…until proven guilty!”

May 28, 2014 - Opinion by Scott Johnson Leave a Comment

Despite declining ranks, a decade of reform and record level prosecutions, news of dishonest public adjusters hasn’t abated.  Prompting one subscriber to comment on my “failure” to report recent arrests.  A bit strong I thought. Frequency, after all, can jeopardize classifying some occurrences as news.  Besides most public adjusters are honorable. [Read more…] about PA’s & CHIP MERLIN; “…until proven guilty!”

Filed Under: Public Adjusters

Public Adjusters…fee caps & red herrings!

April 23, 2014 - Opinion by Scott Johnson Leave a Comment

Red herring, definition: noun; from the practice of drawing a red herring across a trail to confuse hunting dogs;  something that distracts attention from the real issue; something unimportant that is used to stop people from noticing or thinking about something important. [Read more…] about Public Adjusters…fee caps & red herrings!

Filed Under: Public Adjusters

Policyholder Rights & a 10% PA fee cap!

March 18, 2014 - Opinion by Scott Johnson Leave a Comment

You’ve read my posts on the abuse of Assignment of Benefits (AOB) by emergency remediators, contractors, roofers, et.al.  Emerging legislative shenanigans might be better understood if you read them again–especially one titled “Another Rip-Off”.  [Read more…] about Policyholder Rights & a 10% PA fee cap!

Filed Under: Public Adjusters

PA FEE’S…Florida Consumers pay too much!

March 11, 2014 - Opinion by Scott Johnson Leave a Comment

I’m sure you picked up on it. The proposed 15% cap on public adjuster (PA) fee’s in HB-743 is precisely midpoint between the existing 20% for non-catastrophic claims and 10% for catastrophe claims. (See NOTE #1 below)

The archetypal compromise. Between some PA’s and some insurer’s avoiding a fight by agreeing to reduce a cap they both know is too high–the highest in the entire United States. [Read more…] about PA FEE’S…Florida Consumers pay too much!

Filed Under: Public Adjusters

Public Adjusters Fee’s… consumer advocates fail consumers!

February 28, 2014 - Opinion by Scott Johnson Leave a Comment

Improving legal or regulatory landscapes often requires a careful survey.  Who wants to change?  What change do they want?  And, the always elusive political query… who is willing to go on the record one way or the other?

Such is the case with Florida’s statutory cap on public adjuster fee’s. [Read more…] about Public Adjusters Fee’s… consumer advocates fail consumers!

Filed Under: Public Adjusters

PA Contingency Fee’s–NAPIA Responds

July 2, 2013 - Opinion by Scott Johnson Leave a Comment

Response to my last post alleging that Florida’s contingency fee system for public adjusters is the “quintessential moral hazard” generated more than the usual commentary; all of it expected and much of it worthy of exploration.  None, however, was more worthy than a four page letter from the National Association of Public Insurance Adjusters (NAPIA) penned by Brian S. Goodman, General Counsel. [Read more…] about PA Contingency Fee’s–NAPIA Responds

Filed Under: Public Adjusters

Contingency Fees–A Moral Hazard?

June 18, 2013 - Opinion by Scott Johnson Leave a Comment

Last week I participated in a panel discussion at a conference of carrier claim representatives; The Sunshine Claims Conference. Before, during, and after the program panel, I had numerous informal discussions about general insurance fraud–all of which eventually narrowed to comments about the public adjuster contingency fee system being  part of Florida’s problem. [Read more…] about Contingency Fees–A Moral Hazard?

Filed Under: Public Adjusters

  • Page 1
  • Page 2
  • Page 3
  • Page 4
  • Next Page »

Primary Sidebar

Unless otherwise attributed, articles on this site are the opinions of Scott Johnson.



Order Scott’s Books

What's Past is Prologue

Lessons from the Worst Insurance Crisis in Florida’s History... ASSIGNMENT OF BENEFITS

Fact & Fallacy

Essays & Opinions on Florida's Most Controversial Insurance Topics.

Platforms of Success

What the New Generation of Elite Sellers are Doing and How it Can Work for You!
Learn More at www.Platformsofsuccess.com

From Cartels to Competition

The Evolution of Insurance and the History of Florida's Independent Insurance Agent.
Learn More at www.faia.com

Recent blog posts

  • Collapse of an Evil Empire! PART VII—Market Impact
  • Collapse of an Evil Empire! PART VI—The Sentence
  • Collapse of an Evil Empire! PART V–Guilty as Charged!
  • Point of Personal Privilege–Jeff Grady’s Retirement
  • Collapse of an Evil Empire! PART IV ½–Update

Blog Archive

  • October 2020 (3)
  • September 2020 (2)
  • August 2020 (2)
  • July 2020 (1)
  • June 2020 (2)
  • April 2020 (1)
  • March 2020 (1)
  • February 2020 (1)
  • January 2020 (1)
  • August 2019 (2)
  • June 2019 (1)
  • March 2019 (1)
  • January 2019 (1)
  • December 2018 (1)
  • November 2018 (1)
  • September 2018 (1)
  • July 2018 (1)
  • June 2018 (2)
  • October 2017 (2)
  • September 2017 (1)
  • August 2017 (1)
  • June 2017 (1)
  • April 2017 (2)
  • March 2017 (2)
  • February 2017 (1)
  • December 2016 (1)
  • October 2016 (1)
  • August 2016 (2)
  • July 2016 (1)
  • June 2016 (1)
  • March 2016 (2)
  • February 2016 (1)
  • January 2016 (2)
  • November 2015 (1)
  • October 2015 (1)
  • September 2015 (1)
  • August 2015 (2)
  • July 2015 (2)
  • June 2015 (2)
  • May 2015 (1)
  • April 2015 (2)
  • March 2015 (1)
  • February 2015 (3)
  • January 2015 (1)
  • December 2014 (2)
  • November 2014 (4)
  • October 2014 (1)
  • September 2014 (2)
  • August 2014 (2)
  • July 2014 (2)
  • June 2014 (2)
  • May 2014 (3)
  • April 2014 (2)
  • March 2014 (3)
  • February 2014 (3)
  • January 2014 (2)
  • December 2013 (2)
  • November 2013 (2)
  • October 2013 (2)
  • September 2013 (2)
  • August 2013 (2)
  • July 2013 (3)
  • June 2013 (2)
  • May 2013 (3)
  • April 2013 (2)
  • March 2013 (3)
  • February 2013 (5)
  • January 2013 (2)
  • December 2012 (4)
  • November 2012 (3)
  • October 2012 (4)
  • August 2012 (5)
  • July 2012 (5)
  • June 2012 (4)
  • May 2012 (3)
  • April 2012 (7)
  • March 2012 (3)
  • February 2012 (3)
  • January 2012 (5)
  • December 2011 (6)
  • November 2011 (7)
  • October 2011 (6)
  • September 2011 (2)
  • August 2011 (7)
  • July 2011 (7)
  • June 2011 (4)
  • May 2011 (4)

Newsletter

Tag Cloud

7-7-7 Plan Citizens Insurance oir Rick Scott sb-480 senator fasano senator richter

Copyright 2012, Johnson Strategies LLC. Website design/development by Cali Design LLC