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  • March 16, 2017

    Miss the Webinar on Ohio's Groundbreaking Law?

    Watch Preserving Our Neighborhoods: An Educational Webinar on Ohio's Recently Passed HB463

    In early January, Ohio Governor John Kasich signed HB463, a groundbreaking law that bans plywood boarding and helps communities mitigate blight.

    In order to better understand the implications of this bill and what it means for the property preservation industry, the Greater Ohio Policy Center hosted a free webinar, Preserving Our Neighborhoods: An Educational Webinar on Ohio's Recently Passed HB463. 

    I, along with other industry experts, outlined the positive and dramatic impact this bill will have on blight, communities and the property preservation industry.

  • March 7, 2017

    AAPIA is proud to announce our newest endeavor, the Legal Alliance.  The AAPIA Legal Alliance will give your firm the exposure and industry connections you need to attract more business.  AAPIA currently has 20 open membership opportunities available for firms like yours, with expertise in the property damage industry. This is direct exposure to the Public Adjuster Industry and first party claims cases. Our members, gathered from coast to coast, are the leading Pipeline for Law firms handling first party property damage claims. Don’t wait for the next Hurricane to get your firm in the Legal Alliance. Property Attorneys have never had this type of exposure, and with your support of the number one, Policy holder rights advocate, you gain direct access to its most influential professionals.

    As a result of our industry accolades, Law firms like yours are now able to be part of our national association. AAPIA’s sole mission is to protect and defend the rights of all Public Insurance Adjusters and policyholders alike so that they may practice in a free and open marketplace.  Every day, we are fighting adverse legislation that could cripple our industry.

    Take this moment and put yourself at the top and join AAPIA in this battle by becoming a member of the Legal Alliance.  

    Legal Alliance members:  Direct affiliation with The American Association of Public Insurance Adjusters.  The opportunities are endless:

    • Our Blog:Your passions will be directly published on our website recognizing your business and highlighting your expertise and encouraging traffic and business directly to you.
    • Preferred Professionals:Policyholders and Public adjusters contact us on a 24/7 basis seeking all types of services, primarily legal assistance.  With this relationship, you will be on the front line! 
    • Banner Ad: On our website and social feeds.
    • AAPIA Logo Use:You will receive a Proud Member in Good Standing AAPIA Multi-colored Logo to display on your website and letterhead and window cling logo to proudly display at your office.
    • Event Notifications:If your firm offers continuing education courses why not post them on line at www.aapia.orgso more public adjusters can learn about the valuable services you provide

    Legal Alliance Yearly Partnership: $500.00

    If you have time in the very near future I would like to interview you and place our interview on the AAPIA web site www.aapia.orgfor all to listen to, just our way to say thank you for listening!  

    I look forward to working with you.

    Best in Life Always,

    Gene G. Veno



  • March 1, 2017

    No industry combines so much money with so little transparency more than the insurance industry. Most people simply rely on family, friend or broker recommendations to find their auto, home or renter's policy. But with over 2,500 licensed property and casualty insurance companies in the market, it's hard to know which companies are the best. Until now, there simply has not been an available resource to compare your options and make better insurance decisions.

    Welcome Clearsurance! Clearsurance is on a mission: to provide the most objective, trustworthy and comprehensive ratings, reviews and advocacy tools in the insurance industry. As more consumers purchase insurance directly from insurance companies, there is a clear need for a trusted, independent source for consumers to share their insurance experiences, learn from others, and compare their options.

    Clearsurance has created the most dynamic, new measure of an insurance company. The algorithm analyzes a range of inputs, including crowdsourced reviews, poll results, net promoter scores and claim satisfaction scores from real customers. In addition, Clearsurance uses independent rating agencies, including AM Best (financial solvency and strength) and the Better Business Bureau accreditation to create the most comprehensive metric in the market.

    Clearsurance is the first-to-market, crowdsourced rating and review platform by people for people. Clearsurance is not an insurance agent or broker. Clearsurance is not an insurance company.

    Rather, Clearsurance is a content platform with a community of insurance consumers sharing experiences, rating those experiences with insurance companies, and creating transparency for all insurance consumers to understand how insurance works. Clearsurance wants to make sure people know the reputation of their insurance company.

    Clearsurance is comprised of a team of software, technology, and insurance advocacy entrepreneurs brought together by a passion for making it simple for insurance consumers to be better informed so they can have confidence in their insurance decisions. Additionally, Clearsurance seeks to partner with industry leaders, such as AAPIA, to bring awareness to the insurance industry. Early on, AAPIA provided Clearsurance with valuable insight into the insurance industry. Their unique perspective has afforded Clearsurance with yet another view of the insurance industry. It is relationships like these that Clearsurance capitalizes on to bring about further transparency into the insurance industry.

    Visit today to rate and write about your experience with your insurance carrier.














  • January 31, 2017

    For carriers as well as consumers, a Licensed Public Adjuster can be an invaluable resource when evaluating property losses from storms and other unforeseen incidents.  Yes, there are Company Adjusters who, as insurance company employees, dedicate themselves solely to the rapid settlement of property claims.  And no doubt, many Americans can recount the memorable slogans and jingles that have effectively underscored this message while shaping insurance company brands.  Given that context, I would like to review three such slogans for the purposes of this article.

    "Like a Good Neighbor State Farm is there" ... "You are in Good Hands with Allstate" ... "Nationwide is On Your Side!" ...  All are catchy jingles designed to reassure the public these companies will do everything possible to process claims in a timely manner should a home, auto or business loss occur.

    Even with the best of intentions, however, what we read and hear in marketing campaigns does not necessarily translate into superior service.  For the record, I have no doubt the three companies mentioned have excellent customer service records with their policyholders. This article is not meant in any way to disparage the services of insurance companies.  On the contrary, this is an attempt to inform the industry that a Licensed Public Adjuster can be of immense value when working efficiently and effectively with the Company Adjuster to negotiate claims and settlements to cover property loss.

    The conundrum faced by insurance industry executives demands that they provide the best insurance coverage at the best premium with the hope a claim is never brought against the policy.  The premium that's paid for home, auto and business coverage is called "insurance."  As policyholders, we all expect to have our assets covered in the event of a property loss.  Naively, we often expect coverage to be 100%, but that is invariably mitigated by limits on insurance coverage and deductibles, not to mention what is and is not covered.

    When an individual purchases a home, one of the first requirements asked of the homeowner by the lending institution is, “Do you have a hazard insurance policy?”  Such insurance policies offer peace of mind to both lender and homeowner.

    Public Adjusters only handle first party property claims for policyholders. This article addresses the three types of property and casualty claims adjusters:

    1. Company Insurance Adjusters are Insurance Company employees who work on behalf of their respective employers and policyholders to resolve claims in a most efficient manner.
    2. Independent Adjusters are outside consultants brought in to represent the interests of the Insurance Company when asked to evaluate specific property losses.
    3. Public Adjusters are the only licensed professionals in the "adjuster industry" who work exclusively for policyholders in negotiating first party claims. 
    The policyholder will have many issues to address with their insurance company, including what is and is not a covered loss.  Policyholders will need to immediately review precise coverage with their insurance company adjuster to determine all aspects of their policy. This is the first step in the claims process once the policyholder is safe from harm and has surveyed their property damage(s).

    In virtually all cases, there will be limits and deductibles.  In addition, there are more serious concerns which will need to be analyzed to make certain each property loss is adequately assessed so that prized possessions can be restored to pre-occurrence condition.

    Most Insurance Company Adjusters do a very reputable job in helping policyholders during the initial phase of one's property loss.  However, there are many known cases where homeowners were less than satisfied with the outcome of their claim settlement. (Ref. "Delay, Deny, Defend" authored by Distinguished Law Professor, Jay Feinman, Rutgers School of Law), which asserts that policyholders would do well in contacting a Public Adjuster firm to review the damage to their property.

    Just recently, The Tennessee Department of Commerce & Insurance (TDCI) announced that more than $5.1 million dollars was returned to policyholders in Tennessee in 2016. This restitution was the result of TDCI Insurance Investigators mediating between insurance companies and policyholders to get denied claims overturned and paid.  Says TDCI Assistant Commissioner, Michael Humphreys, "We encourage Tennesseans to reach out to us with questions or concerns regarding insurance products and services.”  (Full article appeared in Winchester Herald Chronicle 01/17/17.)

    Could the costly mediation between insurers and regulators in Tennessee have been avoided if policyholders had retained the professional services of Public Adjusters to help in preparing the necessary documents when initially submitting claim information? 

    Public Adjusters are there to assist homeowners through the very difficult process of filing and negotiating a claim settlement.

    The "Value of a Public Adjuster" is a phrase developed many years back with one goal in mind ... To help homeowners/property owners and insurance industry insiders realize there is help available right in their own community when they experience a property loss. Public Adjusters are local experts who can help get homes and prized possessions back to full RCV, Replacement Cost Value. 

    Insurance Company Adjusters do work successfully with Public Adjusters in negotiating claims.  That said, if more insurance companies worked with public adjusters, could policyholders be better served?  That is a question that needs to be asked before a policyholder attempts to handle his/her own claim. 

    Public Adjusters are licensed in 45 states, and are allowed to work in Alabama, Wisconsin, and South Dakota, as well as the District of Columbia and Puerto Rico.  Only Arkansas and Alaska restrict the practice of public adjusting. 

    The Department of Insurance in respective states oversees the license of a Public Adjuster, regulating all aspects of the rules and regulations necessary to work as a Public Adjuster.  As stated previously in this article, the Department also oversees Insurance Companies while serving as advocates for policyholders.

    Ideally, a policyholder would never experience a property loss and an Insurance Company would never have to cover a claim. Realistically, however, when an occurrence happens, wouldn’t it be great to have a Company Insurance Adjuster and a Public Adjuster working together from the onset to assist policyholders and avoid what so many consumers in Tennessee had to endure?

  • January 3, 2017
    Over ($4,000.00) Four Thousand Dollars in prizes to be awarded!
    AAPIA Campaign for Public Adjusters Annual Campaign begins January 2017!
    To enter this year's contest you must have a valid public adjuster's license and be in Good Standing with your local Department of Insurance.
    The rules are simple, become a member or renew your current membership for another year and you will be automatically entered to win one of the many prizes below.
    If you have joined within the last 90 days of 2016 your name will also be entered to win.

    Rules & Prizes are as follows:

    Winners will be selected randomly at a Quarterly AAPIA Board Meeting to win one of these three valuable prizes!!

    1. $500.00 Gift card and 5-year membership - value of $1,750.00
    2. $250.00 Gift card and 3-year membership - value of $1,000.00
    3. $125.00 gift card and 1 year membership - value of $375.00


    ☆ Total new members for campaign is 500 public adjusters

    ☆ Members can only qualify by paying full annual membership fee not monthly fee option

    ☆ If AAPIA does not reach 500 new members, AAPIA will offer a different campaign to all new members and existing members, or one of 3 other awards selected randomly:

    1. Amex Gift card valued at $250.00
    2. Amex Gift card valued at $100.00
    3. Amex Gift card valued at $50.00

    For complete contest rules please see our website


    Join AAPIA today by clicking on this link:

    We have represented your industry successfully in every state, advocating on behalf of Policyholders and Public Adjusters and have an excellent reputation with Insurance Commissioners nationally and attend The National Association of Insurance Commissioner conferences.
    Our many accomplishments can be viewed on our state of the art website  where timely tweets and blogs are posted daily on LinkedIn and Facebook.
    In addition to our social media sites we offer audio podcasts to keep you informed on national happenings.
    Finally, if you need a Continuing Education Course, we have that too, on our website 24/7 daily.

    There you have it, many reasons to join AAPIA-- won't you consider joining today!

    We look forward to serving you in the New Year,

    Best in life always,
    Gene G. Veno, President/Secretary
    American Association of Public Insurance Adjusters
    1050 Connecticut Avenue N.W.
    Washington D.C. 20036