Property Insurance Roundtable

The Unauthorized Practice of Public Adjusting (UPPA)


To quote Robert Baker’s published piece on the Unauthorized Practice of Public Adjusting (UPPA), “The unlicensed practice of public adjusting is a vehicle of consumer fraud that preys on some of the most vulnerable elements of our society. The disaster-stricken, the elderly, the unsophisticated and those for whom English is a second language. Individuals losses range from a couple of thousand to tens of thousands of dollars. And frequently, victims are left without a remedy, because UPPA offenders just disappear or are not worth suing.”

Key Takeaways

  • [01:52] What is the unauthorized practice of public adjusting and how and when did it start?
  • [05:46] How did the practice of UPPA develop and get worse over time?
  • [10:00] Do insurance agents ever assist in claims and does it cause confusion?
  • [13:19] How prevalent is the problem and are some states worse than others?
  • [15:25] In terms of dollars, what does this practice cost policyholders and/or the insurance industry?
  • [22:18] What has been done to counteract this practice and who is doing it?
  • [25:42] How are the insurance industry and public adjusters united in addressing this issue?
  • [27:35] Have insurance companies taken a position on this topic?
  • [32:08] Once claims have been settled, do homeowners have any recourse?
  • [34:14] Real world examples of unlawful public adjusting activity.
  • [38:28] Recommended resources for home and building owners who may experience the illegal activity.
  • [40:00] What is being done to educate consumers about this issue?
  • [42:04] Additional thoughts from the panel.


Arthur T. Jansen, SPPA, CEO of Jansen/Adjusters International, is a licensed public adjuster and a passionate advocate for policyholders. Art manages a professional staff of public adjusters, structural estimators and contents specialists who work together in solving the numerous challenges associated with recovery after a property disaster. His team has earned the reputation of leading business owners and families through the process of proper claim preparation, presentation, and negotiation.

A past president of the National Association of Public Insurance Adjusters (NAPIA) and the Texas Association of Public Insurance Adjusters (TAPIA), Art has been a driving force in advocating against the unauthorized practice of public adjusting and has participated in dozens of meetings with regulators and legislators across the country to further this cause. He is also one of only two public adjusters to sit on the Texas Department of Insurance’s newly created Adjuster Advisory Board.

Art Studied Business Management at Sam Houston State University and is a member of both the Coastal Conservation Association and Ducks Unlimited. He has also been honored by the State of Tennessee’s House of Representatives with an outstanding achievement proclamation and received the Better Business Bureau’s Award for Excellence.

Art has been featured as an expert panelist on Adjusters International’s Property Insurance Roundtable podcast in the episode titled, “The Unauthorized Practice of Public Adjusting (UPPA): Affecting Insurance Companies and Policyholders Alike.”