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The Future of Public Adjusting: Insights from Brian Goodman
When I sat down with Brian Goodman for the latest episode of Claim Game, I knew the conversation would be rich with insights. Brian, the grandson of William Goodman—one of the founding figures in public adjusting—brings a unique perspective. Serving as General Counsel for NAPIA for over twenty-five years, his commitment to the profession is reflective of both a legacy and an advocacy for fair practices in the field.
A Critical Crossroads in Public Adjusting
As the conversation progressed, the societal importance of public adjusters stood starkly revealed. Brian emphasized that the profession is facing unprecedented challenges, chiefly the unauthorized practice of public adjusting (UPPA). "Many states have laws against it, but enforcement is lacking," he stated, highlighting that this issue, though perhaps not held in public discourse, bears significant weight—especially for the licensed professionals who follow the rules.
Addressing Unauthorized Adjusting Practices
The rise of UPPA presents a real dilemma for legitimate adjusters and policyholders alike. Brian pointed out that while enforcement of existing laws remains weak, civil litigation is beginning to fill the enforcement gap. He referenced recent wins in Texas and Iowa, where courts canceled contracts linked to unlicensed roofers masquerading as adjusters, calling it a significant step forward in protecting licensed public adjusters.
Surplus Lines Carriers: A Growing Concern
The current trend regarding surplus lines carriers warrants attention. These companies have begun incorporating anti-public adjuster clauses in their policies—essentially eliminating coverage for those who hire licensed adjusters. Brian deemed this an "existential threat" to the profession. Echoing sentiments that are sure to resonate with South Carolina residents, he remarked, "Policies should provide protection, not obstacles to pursuing rightful claims." Texas has already outlawed these clauses, and Brian is hopeful that other states will follow suit, particularly in a landscape where consumers deserve transparent coverage.
The Role of Insurer-Controlled Experts
One pressing issue highlighted during our discussion was the influence of insurer-controlled experts on claims outcomes. Brian candidly stated, "These experts often exhibit bias, aligned more with insurer interests than with impartial justice." Their influence can significantly alter the results of claims, especially in cases involving natural disasters like wildfires. This reality underscores the importance of independent evaluation in creating fair insurance outcomes.
Public Adjusters Under Scrutiny
The image of public adjusters is often distorted through accusations of fraud, particularly when they present estimates that exceed those of insurers. Brian debunked this myth, asserting, "The discrepancy in assessment does not equate to wrongdoing. It's akin to legal disputes between plaintiff and defense attorneys—each is advocating for their side legitimately." This perspective is critical for many residents in South Carolina navigating the claims process, as misinformation can lead to mistrust and hesitation to seek rightful claims.
Protecting Your Insurance Rights in South Carolina
For South Carolinians experiencing property damage claims, understanding the dynamics at play within the insurance industry is paramount. Unfair insurance practices, including claim denials and settlement delays, often leave consumers in precarious situations. To combat this, residents should be proactive in understanding how insurance companies operate and familiarize themselves with their rights. Always remember: knowledge is power, and being armed with the right insights can make a significant difference in achieving fair settlements.
A Call for Advocacy
In conclusion, as we ponder the future of public adjusting, it is essential to recognize the collective role we all play in advocating for transparency and fairness within the insurance landscape. By remaining informed and vigilant, South Carolina residents can stand together against unjust practices and protect their rights as consumers.
If you find yourself facing issues related to unauthorized adjusting or unfair practices, don’t hesitate to seek guidance from a professional public adjuster. Understanding your rights is the first step in ensuring you receive the coverage you're entitled to.
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