BULLETIN Nat ional Associat ion of Publ ic Insurance Adjusters Summer / Fa l l 2 0 1 6

PRESIDENT’S

MESSAGE

Diane Swerling, SPPA, Swerling Milton Winnick Public Insurance Adjusters

What an honor it was to be installed as NAPIA’s president last June in Laguna Beach. I grew up with this organization—my father was pre-sident in 1988—and have been so inspired by the relationships I’ve forged and lessons I’ve learned as an officer for the past six years. I look forward to being “in the arena” with you, as Teddy Roosevelt said so well, working hard and daring greatly to advance the ideals of our profession. Since I was installed, the officers and I have been busy setting up committees and preparing for what promises to be an exciting and productive year for NAPIA. One of my essential goals as president is to improve our recognition as the gold standard of the public adjusting industry, a model for others in our profession. To that end, I encourage all members to take advantage of the upcoming First Party Claims Conference (FPCC) in Warwick, Rhode Island in October. There, you’ll find many dynamic professional develop-ment programs for continuing education credit, along with a wealth of vital networking opportunities. This year we will also focus our continued efforts on enhancing the reputation of NAPIA and our profession—both within and

beyond the industry. The newly formed Public Adjuster Working Group at the NAIC, focused on addressing the common issues of our profession, will be critical to this effort. I’d like to extend a big thank you to NAPIA Past Presi-dent Ron Reitz for attending the recent NAIC meeting with us; his expertise and constructive feed-back have been so helpful. Finally, I want to thank the officers and board of directors for their support. Together, as we work to maintain our association’s strength, we each have an important role to play in helping it grow even stronger. I look forward to seeing many of you at FPCC 2016 and at the 2016 NAPIA Mid-Year Meeting in Palm Beach, Florida this December.

NAIC Liaison Representative Ann Frohman, Esq.

NAPIA RETAINS NEW NAIC LIAISON REPRESENTATIVE NAPIA is pleased to welcome attorney Ann Frohman as the association’s liaison representa-tive to the National Association of Insurance Commissioners (NAIC). Frohman is a most impressive lawyer and regulator who comes to NAPIA with extensive regulatory and NAIC experience. She was Commissioner of Insurance for

the State of Nebraska from 2007 to 2010. Prior to that she was the Nebraska Deputy Director and General Counsel at various points during the years 2000 to 2007. Frohman co-chaired the NAIC Solvency Issues Working Group and has spoken on numer-ous occasions to regulators at the NAIC. Frohman also served as Senior Vice President, Government and Industry for Physicians Mutual and Physicians Life Insurance Companies from December 2010 to March 2012. She has been a Director of Lincoln Benefit Life Company since April 2014. She is also a Director of Resolution Life Holdings, Inc. and a Director of Resolution Life, Inc. Frohman is a graduate of the University of Nebraska–Kearney and the University of Nebraska College of Law in Lincoln. She is a licensed attorney with the Nebraska State Bar Association and is self-employed at Frohman Law Office, LLC. REGISTER FOR FPCC 2016 AND THE 2016 NAPIA MID-YEAR MEETING! There is still time to sign up for the October 17-19, 2016 First Party Claims Conference in Warwick, RI. Click here for details. Registration is now open for the 2016 NAPIA Mid-Year Meeting at The Breakers in Palm Beach, FL. Click here to register.

MARKET YOUR PRODUCTS AND SERVICES IN THE NAPIA BULLETIN The "NAPIA Bulletin" is the association's official newsletter and it is published on a quarterly basis. The Bulletin contains general association and insurance industry news as well as cases of interest to first party property insurance professionals. Each issue is broad-cast to members, prospective members and other insurance industry practitioners, including owners and managers who make

purchasing decisions. Current and past issues of the Bulletin are also posted on the NAPIA website under the News & Events tab, where they can be seen by an even larger audience. Advertisers can choose from a variety of ad sizes and frequen-cies to meet their marketing needs. Click here for an advertising order form and rate sheet. For more in-formation contact NAPIA at 703-433-9217 or info@napia.com.

OFFICERS

PRESIDENT Diane Swerling, SPPA

FIRST VICE PRESIDENT Jeff Gould, CPA

SECOND VICE PRESIDENT Damon Faunce

THIRD VICE PRESIDENT Greg Raab

FOURTH VICE PRESIDENT Jeff O’Connor, SPPA

TREASURER Jodie Papa

SECRETARY Anita Taff

DIRECTORS

Chris Aldrich Pat Cuccaro

R. Scott deLuise, SPPA Karl Denison, CPPA

Ron Harsch Art Jansen, SPPA

Robert Joslin, CPPA John Marini

Clay Morrison, CPPA Justin Skipton

Judith Vickers, SPPA David Young, SPPA

COUNSEL

Brian Goodman, Esq. One South Street, Suite 2600

Baltimore, MD 21202 P 410- 752-6030 F 410- 539-1269

bgoodman@kg-law.com www.kramonandgraham.com

EXECUTIVE DIRECTOR

David Barrack 21165 Whitfield Place, #105

Potomac Falls, VA 20165 P 703-433-9217 F 703-433-0369

david@napia.com www.napia.com

STAFF

Heidi Renner Membership & Communications

Enid Palazzolo Accounting Services

MANAGEMENT FIRM

Barrack Association Management Potomac Falls, VA

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2016 NAPIA ANNUAL MEETING DRAWS LARGE ATTENDANCE Nearly a hundred and forty NAPIA members and guests attended the 2016 Annual Meeting at the Montage Resort in Laguna Beach, CA. The event included education, networking activities and more, including a special one-day educa-tion program for California public adjusters to receive CE credits. Convention highlights included three mornings of professional education worth seven continuing education credits for public adjust-ers in nineteen states, election of officers and directors, and the installation of this year’s president, Diane Swerling, SPPA of Swerling Milton Winnick Public Adjusters, Inc. in Wellesley Hills, MA. A post-convention survey confirm-ed that attendees were extremely pleased with the Montage Resort as well as the Laguna Beach area. All were also complimentary of the many Annual Meeting social events and other networking opportunities.

2016 PCWA WINNER ROBERT BAKER RECOGNIZED IN JUNE The 2016 Paul Cordish Writing Award winner Robert C. Baker III was presented with a check for the first place prize of $7,500 during the banquet at the 2016 NAPIA Annual Meeting. The title of his winning paper is “The Costs of the Unlicensed Practice of Public Adjusting: A Legal and Economic Analysis.”

PCWA winner Robert Baker (l) with NAPIA Counsel Brian Goodman (r)

We congratulate Baker and the other PCWA contestants at the University of Maryland School of Law for their comprehensive and thought-provoking papers. To view all PCWA papers log on to www.napia.com/pcwapapers.

NAPIA WELCOMES NEW AND PENDING PUBLIC ADJUSTING FIRMS AND AFFLIATES NEW PUBLIC ADJUSTING FIRMS:

Shield Public Adjusters Inc. Agoura Hills, CA (R) Nikolay Zubyan Warren M. Jewer, SPPA, AIC, AINS, AIS South Attleboro, MA (R) Warren Jewer, SPPA, AIC, AINS, AIS Western Washington Public Adjuster Montesano, WA (R) Benjamin Abad

PENDING PUBLIC ADJUSTING

FIRMS: Aftermath Public Adjusters Hammonton, NJ (R) Scott Richter MonCana Company Billings, MT (R) Tyler Heffner The Norton Group Marietta, GA (R) Steven Rosado NEW AFFILIATES: Terry Bailey, Esq. Layfield & Barrett Los Angeles, CA

CIS Claims Bloomingdale, IL Clearsurance North Andover, PA

Michael Kelley, Esq. Smigel, Anderson & Sacks, LLP Harrisburg, PA Matthew Pearson, Esq. Gravely & Pearson, L.L.P. San Antonio, TX

New Jersey Public Adjusters Association (NJPAA) New York, NY

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Officers elected at the 2016 Annual Meeting were (l to r) Jeff Gould, CPA, 1st VP; Damon Faunce, 2nd VP; Greg Raab, 3rd VP; Jeff O’Connor, SPPA, 4th VP; Jodie Papa, Treasurer, and Anita Taff, Secretary (not pictured is President Diane Swerling, SPPA)

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COUNSEL’S

CORNER

Brian S. Goodman, Esq.

It has been a while since we con-vened in Laguna Beach, California at the 2016 Annual Meeting. Since that time things have been busy, as always, for NAPIA. We recently attended the summer NAIC meeting in San Diego, Cali-fornia where we had the occasion to meet with nearly a dozen state regulators regarding many issues impacting the public adjusting profession. We also had the opportunity to meet with the leaders of the Public Adjuster Working Group, which is a newly formed committee at NAIC that was created to deal with issues impacting the public adjusting profession. Off the top, this committee will be studying and making recommendations regard-ing the pervasive problem of the unauthorized practice of public adjusting (UPPA), which can only help us as we move forward. During our time in San Diego, we also furthered our outreach to, and connections with, various state regulators from all over the country. I will soon be speaking at the First Party Claims Conference and the NAPIA Mid-Year Meeting regard-ing efforts needed to assure that we practice public adjusting in a proper and ethical way. NAPIA continues to be the leader -- the gold standard, if you will -- of the industry, and we are now consulted by regulators and others for advice and input regarding the proper practice of public adjusting. This is a very positive result of NAPIA’s efforts at the national level.

As fall approaches, the legislative season is not far behind. It is imperative to get an early jump on any and all legislative and/or regulatory issues that are raised in any state. If you learn of any-thing in your state, please advise the NAPIA officers immediately so the association can get a handle on things from a national perspective. We cannot weigh in on every state issue, but if it has national impact we need to be able to decide quickly on a plan of action if it is determined that NAPIA should get involved.

DONATE TO NAPIA CHARITABLE FUNDS

Named after William Goodman, the first president and founding father of NAPIA, the Will Good-man Foundation was created to serve as a resource for public adjuster education and training. The Paul Cordish Memorial Foundation was established in memory of NAPIA Executive Director and Counsel Paul L. Cordish, Esq. The Foundation funds an award for students at the University of Maryland School of Law who compete in a writing competition addressing matters related to public adjusting. Contributions made to either fund in the name of a loved one or colleague will be acknowledged with a letter to the deceased’s family. Donations are tax deduc-tible and are restricted for use as noted above. Checks are payable to the Will Goodman Foundation or the Paul Cordish Memorial Foundation and can be mailed to:

NAPIA 21165 Whitfield Place, #105

Potomac Falls, VA 20165 To make a donation by credit card, contact NAPIA at 703-433-9217 or info@napia.com.

NAPIA RECOGNIZES 2016 ANNUAL MEETING SPONSORS AND EXHIBITORS Claimside

ClaimWizard

Continental Machinery, Inc.

Interstate Restoration

Kramon & Graham, P.A.

Lerner, Arnold & Winston, LLP

Merlin Law Group, P.A.

Raizner Slania LLP

TempHome Services

The Drying Team

United Policy Holders

Wilkofsky Freidman Karel & Cummins

HAVE YOU LOGGED IN TO THE NAPIA WEBSITE? Log in to the updated NAPIA website and take advantage of some exciting member benefits anytime with 24/7 online access. Update your contact and

license details View and pay invoices online View transaction history Find member-only information How do you log in to the website? Go to www.napia.com and enter your username and password in the top right corner. If you have never logged in (or forgot your password), you will need to create a new password. To create a new password, click “Forgot your password.” Enter your email address and click “Retrieve Username and Pass-word.” You will receive an email with your username and a temp-orary password. Be sure to reset your password after logging in. The temporary password will expire in two days.

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FUTURE MEETINGS SITES & DATES

FIRST PARTY CLAIMS CONFERENCE Crowne Plaza Hotel Warwick, RI October 17-19, 2016

MID-YEAR MEETING The Breakers Palm Beach, FL December 8-10, 2016

ANNUAL MEETING La Cantera Resort & Spa San Antonio, TX June 21-24, 2017

FIRST PARTY CLAIMS CONFERENCE Crowne Plaza Hotel Warwick, RI October 16-18, 2017

MID-YEAR MEETING Ritz Carlton Hotel New Orleans New Orleans, LA Nov. 30 – Dec. 2, 2017

ANNUAL MEETING The Hotel Hershey Hershey, PA June 13-16, 2018

MID-YEAR MEETING The Westin Savannah Georgia Resort & Spa Savannah, GA Nov. 29 – Dec. 1, 2018

MEMBERSHIP DIRECTORY

PRINTING DELAYED The NAPIA Membership Directory, due to be published by late summer, has been delayed in order to make sure that all information is accurate and up to date. In the near future members will be sent a copy of their firm’s directory listing to review and confirm that all address and contact information is correct, and that all individuals en-rolled in the association are listed. The publication is now expected to be ready in the first quarter of 2017.

RULES OF PROFESSIONAL CONDUCT AND ETHICS The NAPIA rules of professional conduct and ethics are posted on www.napia.com. The following Rules of Profes-sional Conduct and Ethics are applicable to all members of the Association: 1. The members shall conduct

themselves in a spirit of fair-ness and 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 assured or to the Insurance Companies.

4. Commission rates shall be fair and equitable, and strictly in accordance with the pre-vailing custom in the locality, and must, where laws or regulations of insurance departments exist, comply fully with such laws or regulations.

5. Members shall conduct them-selves so as to command respect and confidence. They shall work in harmony with one another, with their clients, and the Insurance Companies' representatives, so as to foster a cordial and harmonious relationship with all branches of the insurance business,

and with the general public.

6. Members must be fitted, by knowledge and experience, for the work they undertake. They must not endanger the interests of the public adjust-ing profession, or risk injus-tice to assureds 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. Public adjuster members shall not act as a contractor in the mitigation, repair, restora-tion of, or act as a salvor of damaged property (as related to First Party Property Insur-ance Losses).

9. Members shall be cooper-

ative and assist one another in every possible way.

10. Members shall not dissemi-

nate 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 Insurance Department of the state in which such member is professionally engaged, or which might subject public adjusting and public adjusters to criticism or disrespect.

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NEW LEADERSHIP ELECTED AT 2016 NAPIA ANNUAL MEETING The National Association of Public Insurance Adjusters elected new leadership at its 2016 Annual Meeting last June. Voted in as President was Diane Swerling, SPPA, Vice President and Principal of Swerling Milton Winnick Public Insurance Adjust-ers, Inc. (SMW), Wellesley Hills, Massachusetts. She succeeds outgoing President Scott deLuise, SPPA of Adjusters International/ Matrix Business Consulting, Broomfield, Colorado. Since becoming active in NAPIA, Swerling has served on many committees and has been involved in leadership roles as a director and officer. As president, she has pledged to be engaged in all facets of the association, including education, membership and legislative/regulatory advocacy. In addition to her post as SMW vice president, Swerling focuses on her firm’s most complex and significant cases, including major residential, business and personal property losses, and business in-terruption claims. In addition to representing clients, she manages all internal operations at the firm. She attained her Senior Profes-sional Public Adjuster (SPPA) designation in 2009. "I am pleased to be voted president of NAPIA," said Swerling. "This is a very high honor, especially since I have been elected by my peers. I look forward to working with our members and the NAPIA leader-ship to meet whatever challenges are presented to our association and the public adjusting profession during my term." Others elected in June to one-year terms as an officer were:

1st Vice President Jeff Gould, CPA, American Claims Management Services, Baltimore, MD 2nd Vice President Damon Faunce, Faunce & Associates, Inc., Phoenix- ville, PA 3rd Vice President Greg Raab, Adjusters International, Inc., Utica, NY 4th Vice President Jeff O’Connor, SPPA, Alex N. Sill Company, Indianapolis, IN Treasurer Jodie Papa, National Fire Adjustment Company, Inc., Amherst, NY Secretary Anita Taff, Taff Claims Services, Inc., Marietta, GA Newly elected directors are: Chris Aldrich, Andrew K. Knox & Company, Toms River, NJ Robert Joslin, CPPA, Hawaii Public Adjusters, Wailuku, Maui, HI Justin Skipton, Skipton & Associates, Inc., Scottsdale, AZ

Directors with ongoing terms are: Pat Cuccaro Goodman Gable Gould Company/Adjusters International, Melbourne, FL Scott deLuise, SPPA, Adjusters International/Matrix Business Consulting, Denver, CO Karl Denison, CPPA, Goodman Gable Gould Company/Adjusters International, Rockville, MD Ron Harsch, CPPA, The Claims Group, LLC, Northglenn, CO Art Jansen, SPPA, Jansen International, LLC, Houston, TX John Marini, Adjusters International, Inc., Utica, NY Clay Morrison, CPPA, Morrison & Morrison, Inc., League City, TX Judith Vickers, CPPA, BenchMark Public Adjusting Group, Cumming, GA David Young, SPPA, Brown-O’Haver Public Adjusters, Mesa, AZ

NAPIA Directors (from l to r) Dave Young, SPPA; Clay Morrison, CPPA; John Marini; Ron Harsch; Judith Vickers, SPPA; Justin Skipton; Robert Joslin, CPPA, and Chris Aldrich

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Constitution & By-Laws

Anita Taff, OIC Steve Figlin, SPPA, FPPA, Chair Matt Blumkin Dick Burr, SPPA Jan Deluise John Marini Michael Miller Anita Taff

Convention Jeff Gould, OIC Randy Goodman, SPPA, Chair Jim Beneke, SPPA Ruth Gould Art Jansen, SPPA Clay Morrison, CPPA Jeff Raizner, Esq. Jeff Schwenk Tim Woodard Ethics Diane Swerling, SPPA, OIC Anita Taff, Chair Les Knox, SPPA Harvey Goodman, SPPA Robert Joslin, CPPA Denise Sze, Esq. Clay Morrison, CPPA

Finance, Budget & Auditing Jodie Papa, OIC Drew Lucurell, Esq., SPPA, Chair Andy Altieri Kalon deLuise, CPA Steve Figlin, SPPA, FPPA Robert Joslin, CPPA Greg Raab Ed Williamson

Grievance Jeff O'Connor, SPPA, OIC Ron Harsch, Chair Wes Baldwin Dick Burr, SPPA Rolf Eidbo Andrew Knox Drew Lucurell, Esq., SPPA Jahn Miller, SPPA Clay Morrison, CPPA Ron Papa, SPPA Ron Reitz, SPPA Legal Diane Swerling, SPPA, OIC Jeff Gould, CPA, Chair Matt Blumkin Steve Figlin, SPPA, FPPA Brandon Lewis Chip Merlin, Esq. Clay Morrison, CPPA Jeff Raizner, Esq. Glenn Rosen, Esq. David Young, SPPA

Legislative Jeff Gould, CPA, OIC Diane Swerling, SPPA, Chair Ray Altieri, CPPA Wes Baldwin Matt Blumkin Robert Joslin, CPPA Les Knox, SPPA Jahn Miller, SPPA Ron Reitz, SPPA Alice Young, SPPA Long Range Planning Diane Swerling, SPPA, OIC Jeff Gould, CPA, Chair Greg Raab Jeff O'Connor, SPPA Jodie Papa Anita Taff Marketing & Public Relations Greg Raab, OIC Chris Aldrich, Chair Blair Beneke William Cox Ned Eliason Jeff O'Connor, SPPA Justin Skipton Judith Vickers, SPPA Alice Young, SPPA Membership & Recruitment Jodie Papa, OIC Rick Tutwiler, Chair Chris Aldrich Matt Blumkin Zack Forest Alan Jacoby T.J. Niland Jesse Sipe Justin Skipton Nominating Diane Swerling, SPPA, OIC Scott deLuise, SPPA, Chair Wes Baldwin Randy Goodman, SPPA Ron Reitz, SPPA Past Presidents Advisory Diane Swerling, SPPA, OIC Scott deLuise, SPPA, Chair All Past Presidents Professional Certification Jeff Gould, CPA, OIC Judith Vickers, SPPA, Chair Steve Figlin, SPPA, FPPA Jeff O'Connor, SPPA Professional Education Jodie Papa, OIC Matt Blumkin, Chair William Cox

Professional Education continued Jan deLuise Justin Skipton Steve Figlin, SPPA, FPPA Joshua Mallin, Esq. Jeff Raizner, Esq. Affiliate Member Ad Hoc Jeff O'Connor, SPPA, OIC Jonathan Wilkofsky, Esq., Chair Amy Bach, Esq. Joey Childress Andrew Knox William Merlin, Esq. Peter Ridulfo Robert Rutter, Esq. Brenda Sauro, Esq. Jeff Schwenk FPCC Ad Hoc Greg Raab, OIC Steve Figlin, SPPA, FPPA, Chair Chris Aldrich David Barrack Matt Blumkin Scott deLuise, SPPA Mary Fortson, Esq. Andrew Knox Ron Papa, SPPA Jeff Raizner, Esq. Judith Vickers, SPPA Jonathan Wilkofsky, Esq. Fundraising Ad Hoc Anita Taff, OIC Alice Young, SPPA, Chair Robert Landow Danielle Levin Andrew Knox Greg Raab Justin Skipton Judith Vickers, SPPA Alice Young, SPPA NAIC / CAIF Ad Hoc

Diane Swerling, SPPA, OIC Jeff Gould, CPA, Chair Jeff O'Connor, SPPA Ron Papa, SPPA Ron Reitz, SPPA UPPA Ad Hoc Anita Taff, OIC Jeff O'Connor, SPPA, Chair Chris Aldrich Scott deLuise, SPPA Art Jansen, SPPA Drew Lucurell, Esq., SPPA Jodie Papa Ron Papa, SPPA Peter Ridulfo Ron Reitz, SPPA

2016-2017 NAPIA COMMITTEES

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THE 2016 ANNUAL MEETING AT THE MONTAGE, LAGUNA BEACH, CA

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