Property Insurance Roundtable
NAPIA’s Legislative Efforts – A Win For Policyholders & Public Adjusters Alike
Today, we will be discussing the legislative efforts of the National Association of Public Insurance Adjusters (NAPIA). Founded in 1951, NAPIA advocates for public adjuster education and a higher standard of professional conduct and ethics. NAPIA members are committed to working in the best interest of their clients and to conducting business with integrity. For more than 66 years NAPIA members throughout the U.S. have joined together for the purpose of education, certification, marketing opportunities, legal and legislative representation, scholarship and research and the promotion of the public adjusting profession.
- [01:54] How involved is NAPIA in the insurance legislation landscape?
- [06:44] The roles of Brian Goodman and Randy Goodman within NAPIA.
- [08:05] What are the biggest legislative challenges NAPIA and its members are facing?
- [13:05] Who punishes those who violate Unauthorized Practice of Public Adjusting (UPPA) laws?
- [18:37] How do these challenges affect consumers and insurance professionals?
- [19:42] What are NAPIA’s current legislative priorities?
- [22:26] How does NAPIA view hourly or set fees and what are they doing to address the situation in Louisiana?
- [24:50] In the five states with no licensing, are public adjusters permitted to work?
- [26:38] In the past 12-years, what are NAPIA’s biggest legislative wins and how do those wins benefit policyholders and public adjusters?
- [27:41] What are some of NAPIA’s legislative disappointments?
- [29:00] What is on the horizon for property and casualty insurance legislation?
- [30:59] How can people assist NAPIA’s in achieving its legislative goals?
- [32:28] NAPIA protects the consuming public.
Mr. Goodman has been assisting insureds with property and related time element insurance claims since 1970. He graduated from American University in 1971 with a Bachelor of Science in Business Administration (BSBA) degree. Randy attained the designation Senior Professional Public Adjuster (SPPA) from the National Association of Public Insurance Adjusters (NAPIA) in 1988 and is a past President of NAPIA (1998-1999).
Randy is a licensed public adjuster in 29 states across the US and the District of Columbia. He has been the engagement partner on many significant property damage claims including Adcor Industries; American Realty Advisors; Bethel Performing Arts Center; Capitol USA; Cammebys International; Carrollton Bank; China Basin Properties; Emmes Realty; Flanders~Precisionaire Corporation; Humphrys Textile Products; Jazz at Lincoln Center; Lifoam/Life-Like Products; Merchants Terminal Corporation; National Railroad Passenger Corporation (AMTRAK); New Piper Aircraft; PerkinElmer; Pillsbury Corporation; Poydras Properties; Reno/Tahoe International Airport; Southern Pacific Railroad; The Law Firm of Cooley Godward Kronish; United States Government/Department of the Interior/National Park Service at Yosemite; and Vornado Realty Trust.
Randy regularly speaks at industry conferences and presented to the Risk Insurance Management Society (RIMS) in 2000. Randy has also presented to the Annual Meeting of The Society of Plastics Engineers on “Insurance Claim Loss Adjustments”, and has spoken to the Maryland Bar Association on the topic of “The Effects of Lease Provisions on Property Loss Adjustments.” Randy has also provided expert witness testimony on several occasions.
Randy is the author of numerous articles, including the Adjusting Today article “Valuing Business Income Exposures: A Case for Blanket Business Income Insurance”, and is the recipient of the 2010 NAPIA Person of the Year Award.
Randy is married, the father of a daughter and a son, and lives in Owings Mills, Maryland.
Todd Thomas is the Vice President at Adjusters International (AI) and Tidal Basin (TB). He is also the Chief Consultant and Partner of Adjusters International’s affiliate Sigma Consulting Corp. He has worked in the Management Consulting industry for 23 years. Currently, he works with AI and TB's strategic partners to offer the highest quality Risk Management and Disaster Recovery consulting services possible. Thomas has worked in a management capacity on high-profile FEMA, insurance and construction projects since 1996. Thomas regularly serves as an expert witness and Special Master to courts in the area of finance & insurance.
Thomas’ experience assisting public entities, non-profits and other organizations with risk management and insurance includes but is not limited to broker selection, insurance marketing, total cost of risk, risk identification, risk allocation, underwriting, claims, financial risk management, FEMA obtain & maintain compliance, risk analysis, risk management information systems and enterprise risk management.
He is a Fellow of the American Academy of Financial Management (FAAFM), Member of the American Economic Association, Member of the Association of Certified Chartered Economists, a Fellow of the Risk and Insurance Management Society, Member of the Global Risk and Insurance Management Institute, Caribbean Actuarial Association and Member of the Institute and Faculty of Actuaries. Todd is a Chartered Economist (ChE), Certified Risk Analyst (CRA), Certified Organizational Risk Manager (CORM), RIMS Fellow (RF), Fellow of Risk Management (FRM), Chartered Property & Casualty Underwriter (CPCU), Associate in Risk Management specializing in Public Entities (ARM-P), Master Project Manager (MPM), Accredited Financial Analysis (AFA), Accredited Management Accountant (AMA) and Workers Compensation Claims Law Specialist (WCLS).
Brian Goodman is a trial lawyer and principal at the firm. He represents clients in the defense of civil claims, including serious personal injury and products liability claims. Brian also represents churches and other religious institutions in the defense of sexual misconduct claims. In addition to his active trial practice, Brian represents a national insurance-industry trade association in regulatory and licensing matters, and, as such, has been and continues to be very active with the NAIC (National Association of Insurance Commissioners). He lectures extensively for continuing education credit in numerous states on first-party property insurance matters and authored a chapter in the ABA book on First Party Property Litigation.
For further information on this topic, please listen to our related podcast episode: “The National Association of Public Insurance Adjusters’ (NAPIA) Importance and Benefits to Members and Policyholders”