The American Association of Public Insurance Adjusters (AAPIA) believes it is important to respond to a recent story in which the Florida Office of Insurance Regulation (OIR) is quoted as stating the Florida Supreme Court's decision in Atwater v. Kotrum is not favorable for policyholders and "will have an adverse impact and consequences for Florida's homeowners," adding that the 48-hour ban on public adjuster contact with claimants was "enacted to protect homeowners from additional cost drivers to their insurance rates" and that "ultimately, all Florida consumers pay the price in increased premiums when claims are inflated for some policyholders."
Such remarks could be construed as fear mongering about services performed by public insurance adjusters.
Even more telling, the facts and recent history in Florida do not support the OIR's comments. Since the 2008 enactment of the Florida statute imposing a 48-hour ban on public adjuster contact with claimants, insurers have significantly raised their premiums for homeowners' coverage in the state of Florida.
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