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President's Letter
Dear Fellow GAPIA members, Associates and Georgia Public Adjusters,
As we wind down the first quarter of 2017, I need to report that GAPIA is experiencing unprecedented growth and obtaining national recognition around the country.  We have taken on over a half dozen new members since the beginning of 2017 and anticipate another half dozen before our annual May event.  The 2017 Spring Conference at the Cobb Galleria is setting up to be the best attended event in GAPIA’s history. 
I am also pleased to remind everyone that approximately one month ago, the GAPIA board voted unanimously to reduce the annual fees for Public Adjusters from $500 to $250.  This is a signal of our organization’s continued growth and our ability to gain an economic foothold on protecting consumers and Public Adjusters for many years to come. 
Value Policy Statute: Recovering the Whole Dwelling Loss
by John D. Hipes, Hipes & Belle Isle, LLC
It’s late in the afternoon, you receive a call from a prospective client, he tells you that his house was damaged in a fire, and he needs your help.  You arrange for a meeting at the property.  When arrive at the property, you see charred timbers, the remnants of a foundation, but little or no remaining house.  What is your new client entitled to recover for his dwelling claim?
In part, the answer to the question is found in Georgia’s Valued Policy Statute which states:
“Whenever any policy of insurance is issued to a natural person or persons or to any legal entity wholly owned by a natural person or persons insuring a specifically described one or two family residential building or structure located in this state against loss by fire and the building or structure is wholly destroyed by fire without fraudulent or criminal fault on the part of the insured or one acting in his or her behalf, the amount of insurance set forth in the policy relative to the building or structure shall be taken conclusively to be the value of the property, except to the extent of any depreciation in value occurring between the date of the policy or its renewal and the loss, provided that, if loss occurs within 30 days of the original effective date of the policy, the insured shall be entitled to the actual loss sustained not exceeding the sum insured.”
Update:  Tips for Public Adjusters Handling Hurricane Matthew Flood and Wind Insurance Claims
Nicole C. Vinson, Esq., of Merlin Law Group, P.A.
1.First and Foremost on a Flood Claim- Don’t be Late with the Proof of Loss.
FEMA explained,  “The Standard Flood Insurance Policy (SFIP) requires a policyholder to send the insurer a complete, signed, and sworn proof of loss within sixty (60) days after the date of loss.” But two extensions have been granted allowing an ADDITIONAL 120 days beyond the original 60 days.    
This means the POL is now due 180 days from Matthew, be sure to be on the safe side calculate 120 days from October 7, 2017 and then plan to submit the POL a week early.  Remember that even with this extension, the documentation supporting your proof of loss and the signed proof of loss will need to be received before the 60th day of the extension.
You Win! Benefits of Joining GAPIA

What GAPIA Members Can Expect:

  • Public Insurance Adjuster specific Continuing Education opportunities
  • Two conferences each year for continuing education, information and networking. Continuing Education Conferences are FREE to members. Non-member fee is $150 per conference. 
  • Listing on the website where many people turn when they have a loss and need a Public Insurance Adjuster
  • To receive monthly newsletter to stay abreast of industry news and get advice from experts in the field.
  • Online access to previous GAPIA Monthly Newsletters.
  • Private discussion group for members only, where GAPIA members can ask questions and receive responses and advice from veteran GAPIA members.
  • Exclusive access to our members only page on There you can find information and associate members who can assist you and your clients.
  • A continuing working relationship with the Georgia Insurance Commissioner’s office
  • Eligibility to serve on GAPIA’s Board of Directors and Committees
  • Recognition as a professional in your field
  • That GAPIA has worked and will work to enhance the industry by improving regulations governing the industry.
GAPIA has been growing in membership since its inception in 2010. GAPIA was formed to establish and maintain the highest professional standards, insure harmonious working relations with one another, promote general welfare, protect our rights and provide a means for solving and dealing with our common problems. GAPIA unites the Public Insurers of Georgia for their mutual benefit, protection and interest and for the benefit and protection of the general public.
GAPIA was also formed to establish and maintain high standards of professional conduct and efficiency among its members, and to study and assist in carrying out the provisions of all laws and regulations pertaining to Public Insurance Adjusters that may be enacted or formulated by the Legislature and Insurance department of the State of Georgia.
GAPIA provides the best public adjuster specific continuing education courses.  GAPIA provides the best public adjuster training with memorable speakers and experienced exhibitors. This is also an opportunity to network with other public adjusters to share industry knowledge.

Requirements for Membership in GAPIA

Individual Membership Special:  $250 Fee (Limited time only. Normally the fee is $500)
Individuals, who are licensed by the Georgia Department of Insurance to act as resident public adjusters, on a full time basis, and who fulfill all other requirements of the Association, shall be eligible for membership, provided that such individuals, firms and corporations shall have been engaged for at least two (2) year prior to admission to membership.
Associate Membership: $1,000
Non Resident Public Insurance Adjusters are eligible for an Associate Membership. This type of designated member is not eligible to serve as an Officer of the Association, however may serve on the Board of Directors as one of the elected members who hold no office. Only one Georgia State Licensed Non-Resident Public Adjuster may serve on the Board of Directors at any given time.
A registered member in good standing shall be one who is current in his dues and assessments in accordance with the by-laws of the Association, must also be duly licensed by the State of Georgia, who is of good character, and who abides by the code of professional conduct and ethics.
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