Jay Florence's Reception and Fundraiser
President's Letter
UPPA Verdict Upheld: The Consumer, the Contractor, the Public Adjuster, and the Insurance Industry
This month a Texas court of appeals upheld an important ruling against a contractor who was involved in the Unauthorized Practice of Public Adjusting (UPPA).
By NAPIA Director Alice Young, SPPA 
This month a Texas court of appeals upheld an important ruling against a contractor who was involved in the Unauthorized Practice of Public Adjusting (UPPA).

Lon Smith Roofing & Construction entered into a contract with Gerald and Beatriz Reyelts. In the contract the roofer asserted that Lon Smith agreed “to pursue homeowners'" best interest for all repairs, at a price agreeable to the insurance company” and to work out “the final price agreed between the insurance company” and Lon Smith.  And that "The homeowner is responsible for paying the deductible and for any upgrades. “The final price agreed to between the insurance company and LSRC shall be the final contract.”
Losses in Cyber-Space: Recovering Insurance Proceeds When Your Computer Data Can’t Be Recovered (Part One)

This is the first post in a three-part series about first-party coverage for losses of computer data.

Labor Day 2016 was a bad day for my client. That was the day her web host company hit the delete button, knocking her offline and completely wiping out her business website. Instead of celebrating a holiday weekend, she was dealing with a crisis.

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Court Rejects Jury Instruction Inconsistent with Concurrent Causation Doctrine; Remands for New Trial


In December of 2016, I wrote about Sebo v. American Home Assurance Company,1 where the Florida Supreme Court reversed the appellate court’s adoption of the “Proximate Efficient Cause” doctrine and found that instead, the lower court should have applied the “Concurrent Causation Doctrine,” as laid out in Wallach v. Rosenberg,2 in a situation where both the excluded cause of faulty construction, combined with the covered causes of rain and wind resulted in a total loss to Sebo’s property.

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Join GAPIA Today and Receive:

  • 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. 
  • The National Underwriter Select FCS subscription for only $250. 
  • Listing on the website where many people turn when they have a loss and need a Public Insurance Adjuster
  • To receive quarterly newsletter to stay abreast of industry news and get advice from experts in the field.
  • Online access to previous GAPIA Monthly Newsletters.
  • 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.
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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GAPIA Officers
Anita Taff
Vice President
Bob Ingram
Bob Caspar
JP Norton
Brandon Lewis
Executive Director
Margie Butler

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GAPIA, Inc., 178 S. Main Street, Suite 250, Alpharetta, GA 30009, 404-819-4259,