Jay Florence's Reception and Fundraiser
President's Letter
Dear Colleagues,
I write to you after a significant story aired on WSBTV about a public adjuster (Non- Gapia member) and her husband who was acting as a contractor. Both have been charged with 5 felony counts, including insurance fraud and theft.  Jim Strickland gave me the opportunity to let the viewers know that there are plenty of professional public adjusters that protect their clients. As a result of this story, several public adjusters and restoration contractors offered to donate funds and/or services.  Ms. Nikki Redmond (policyholder) has  set up a GoFundMe page for anyone who wishes to independently contribute ( Jim Strickland has offered to do a follow up story highlighting the good works of our profession.
I implore each of you to know the Georgia code governing public adjusters and abide by it.  A link to the O.C.G.A. is on the website.
This is an important year for Georgia consumers and the public adjusting profession.  A new insurance commissioner will be elected in 2018. The Primary elections are held May 22nd  and General election November 6th.  We have worked tirelessly since Gapia’s inception to develop a relationship with the commissioner’s office. Our point of contact is Jay Florence who has always been responsive in hearing the perspective of public adjusters.  Jay is the current Deputy Insurance commissioner and candidate for the next Insurance Commissioner He continues to acknowledge and support the good works of public adjusters and will be speaking at the Spring Conference.
We are in the midst of finalizing plans for our Spring conference on May 15th.   I encourage you to attend the Spring and Fall conferences for the fabulous networking and continuing education opportunities to strengthen your skills.  Our goal is to be your resource for claim issues that confront our profession and Georgia consumers.   Register early as previous conferences were at capacity and space is limited. See GAPIA's Spring Conference Information here.
Congratulations to Brandon Lewis as he moves into the Chairman position for Gapia following a successful year tripling our membership!  Our current membership is 57.  We plan to continue the growth of our dynamic association by inviting Public adjusters from our neighboring states that also work in Georgia to join us for the first time!  Our plan is to continue growing and engaging this dynamic association of diversified Public Adjusters.  Let us know about the issues you feel need further education.  I look forward to seeing you all May 15th at the Spring conference! 
Anita Taff
President, GAPIA, Inc
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.”

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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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Florida Court Rules Against Insurer on Seepage/Leakage Exclusion

by Timothy R. Engelbrecht, Esquire, Butler Weihmuller Katz Craig LLP

Florida first-party property insurers have seen a dramatic rise in the number of reported water loss claims over the past five years.  Many insurance policies contain an exclusion for losses “caused by constant or repeated seepage or leakage of water over a period of 14 or more days.”  Today, one Florida appellate court ruled that “an insurance policy excluding losses caused by constant or repeated leakage or seepage over a period of fourteen days or more does not unambiguously exclude losses caused by leakage or seepage over a period of thirteen days or less.”

The opinion was issued in the case of Hicks v. American Integrity Ins. Co. of Florida (5D17-1282).  While Mr. Hicks was out of town for more than 14 days, the water supply line to his refrigerator began leaking, slowly at first, then steadily increasing, until, by the time Mr. Hick's returned, the supply line was discharging almost one thousand gallons a day.  The insurer denied Mr. Hicks claim based on the constant/repeated leakage/seepage exclusion.  Mr. Hicks sued for breach of contract.  Both sides moved for summary judgment.  The insurer argued the loss was excluded.  Mr. Hicks argued the damage to his house that occurred within the first 13 days was covered because the exclusion – he argued – only applied to losses occurring after 14 days.

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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

NAPIA Event Schedule


Marina Del Rey Hotel

Marina del Rey, CA

March 20-21, 2018



The Hotel Hershey

Hershey, PA

June 13-16, 2018



Crowne Plaza Hotel

Warwick, RI

October 15-17, 2018



The Westin Savannah Harbor Golf Resort & Spa

Savannah, GA

November 29-December 1, 2018 

Successfully Interpret Even the Most Complex 
Insurance Policies—Quickly and Easily
FC&S is the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. 

It’s the resource agents, brokers, risk managers, underwriters, and adjusters rely on to research commercial and personal lines coverage issues. FC&S offers the most unbiased analysis and interpretation and keeps you current on the latest ISO and AAIS revisions.
GAPIA Members can subscribe to National Underwriter FCS "Select" for $250.00 instead of the regular price of $995.00. 
Please contact Margie Butler ( is you would like a year's subscription.

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