FAPIA MEMBER CODE OF ETHICS
1. Members shall conduct themselves in a spirit of fairness & justice to their clients, the insurance companies and the public.
2. Members shall refrain from improper solicitation.
3. No misrepresentation of any kind shall be made to an insured or to the insurance companies.
4. Commission rates shall be fair and equitable and strictly in accordance with the prevailing laws or regulations of FDFS. FS 626.854
5. Members shall conduct themselves so as to command respect and confidence. They shall work in harmony with one another, with their clients and the insurance company representatives, so as to foster a cordial and harmonious relationship with all branches of insurance business, and work with the general public.
6. Members must be fitted, by the knowledge and experience, for the work they undertake. They must not endanger the interests of the public adjusting profession, or risk injustice to insureds or to the insurance companies by attempting to handle losses or claims for which they are not qualified, and for which they cannot find competent technical assistance.
7. Members shall not engage in the unauthorized practice of law.
8. Members shall not acquire any interest in salvaged property or participate in any way, directly or indirectly, in the reconstruction, repair, or restoration of damaged property, that would be a violation of Florida Statute 626.8795 Public adjusters; prohibition of conflict of interest.
9. Members shall be cooperative and assist one another in every possible way.
10. Members shall not disseminate or use any form of agreement, advertising, or any printed matter that is harmful to the profession of public adjusting, or which does not comply with the rules and regulations of the Florida Insurance Department, or which might subject public adjusting and public adjusters to criticism or disrespect.
11. Members who take on apprentices shall provide counsel, advice and guidance relating to the public adjusting profession. Mentors will work with their apprentices in a cordial and professional manner, so as to foster a harmonious relationship with all branches of insurance business and work with the general public.
Read all instructions carefully before completing the form on this page. If the form is not properly completed it may be rejected or returned for correction.
You may attach up to 25 additional sheets to supplement any section.
Please note FAPIA cannot intervene on your behalf in a civil or criminal case, nor can we give you legal advice. We do not have jurisdiction to consider complaints against non-FAPIA public adjusters, insurance companies or insurance company adjusters. Our ethics committee considers whether a public adjuster has violated our rules of conduct and determines whether, under the totality of the circumstances, the public adjuster should receive some type of discipline.
The level of investigation varies depending on the complexity of the allegations. If your complaint is closed, you will receive a written explanation of the reasons why. There is no right to appeal a decision not to pursue an investigation.
PART ONE - Required Information. You must give your name, address and phone number, and the name, address and phone number of the subject public adjuster. The address of the public adjuster is particularly important as we do not want to confuse the public adjuster you are reporting with someone of the same or similar name. List only one public adjuster per submission. You can file a complaint only against an individual public adjuster, or public adjusting firm however, we can only enforce rules and regulations over public adjusters that are members of FAPIA.
PART TWO - Facts/Allegations. Describe each thing about which you are complaining. Recite all of the details, in chronological order, supplying dates where possible. Please number any additional pages you attach.If you have letters, documents or other evidence, you should attach them in the upload option near the bottom of the form. It is helpful if you mark any attachments as exhibits (A, B, C, etc.), and refer to them in the description of your complaint.
Please be aware that simply alleging conclusions without setting out facts that support those conclusions will result in the need for FAPIA to ask you for additional information and may delay a disposition of your complaint.
PART THREE - Witnesses. Your inquiry/complaint will be considered even if there are no witnesses. If you have witnesses, attach an additional sheet, listing nothing but witnesses, with the name, address and telephone number for each witness. Please include a brief description of the facts about which that witness would testify. If you do not attach a list of witnesses, we will presume that you have no witnesses, other than the public adjuster and yourself.
PART FOUR - Attempted Resolution. FAPIA will attempt to resolve any disputes between FAPIA public adjusters and their clients. If you have not tried to do so, you should attempt to resolve your matter by writing to the subject public adjuster, before contacting FAPIA or filing a complaint. Even if this is unsuccessful, it is important that you do so in order to have documentation of good-faith efforts to resolve your matter. If you choose to go forward with a complaint, you should specify what resolution efforts you have made on your own behalf.
PART FIVE- Signature. By submitting this form you certify under penalty of perjury that your allegations are true.
Unsworn complaints are not considered.