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Home / Insurance / Lloyd’s Property Insurance Claims Group — Badger v. Merlin IV | Property Insurance Law Team Blog

Lloyd’s Property Insurance Claims Group — Badger v. Merlin IV | Property Insurance Law Team Blog



Steve Badger thought I was dead on the ropes. He left himself wide open when he admitted that the first three things he does when he wakes up in the morning are to have a cup of coffee, open the news and read Chip Merlin’s blog. The conservative Lloyd’s audience laughed a lot when I replied that Steve’s life needs a little more excitement if reading this blog does his first three things he does every morning list.

Steve Badger gets A + for courage. Public adjuster should not be so quick to criticize him after telling the audience that hiring a qualified and ethical public adjuster is something that all policyholders should consider. We did polls on various topics, and the audience was almost unanimous in their aversion to public adjuster. Steve did not have to say anything nice about the role that professional public adjusters can play, but he did.

Which brings me to the next important point about the state of public adaptation. I would suggest that when someone gives others a perception that is correct but does not need to be said, the person̵

7;s credibility is strengthened. So when Steve Badger also criticizes the public adjustment profession for having too many public adjusters who do not know what they are doing and do not honestly present statements, perhaps the public adjustment profession should pay attention.

The barriers to becoming a public adjuster in most states are minimal. My girlfriend studied for half a day and passed the Texas Public Adjusting Licensing exam. She has never been an adjuster or received any special training regarding adjustment. She missed a question.

It is difficult to call public adaptation a profession when so many can obtain a license and practice the trade of public adaptation without experience. There is currently no requirement to obtain a university degree with specialized studies in each of the various areas that all public adjusters should be aware of. The vast majority of states require no experience.

The leadership of the Florida Association of Public Insurance Adjusters should be congratulated for pushing for more demands on experience and mandatory continuing education. The National Association of Public Insurance Adjusters is to be commended for establishing criteria for obtaining certification in the field of public adaptation, which requires experience, study and much more strenuous testing than the state tests. I discussed the role that NAPIA has played in publishing adapting a profession in The history of NAPIA and its significance for the public adaptation profession.

If Steve Badger is only partially right, public adjuster licenses should be more challenging at the entry level if public adjuster is serious about changing his mind in the insurance industry and with the general public. This should be a topic of discussion within state and national public adjustment organizations. What is the disadvantage?

There were many more topics that were quickly discussed and debated. But one of my first thoughts was about the perception of public adaptation and the first steps that could be taken to change it. For the highly qualified public adjusters that I know and that Steve Badger suggested that policyholders should hire, I would think that you would like to see that change. If you really care about being seen as a true practitioner in a profession dedicated to helping the insurance community, the standard of becoming and remaining a public adjuster should be quite a lot higher than it is.

Today’s thoughts

If you find it expensive to hire a professional to do the job, wait until you hire an amateur.
—Red Adair


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