12/15/2025
From FAPIA December 2025 Newsletter:
“Dear FAPIA Members,
As we move through another critical chapter for Florida policyholders, I want to begin by thanking each of you for the work you do every single day.
Public adjusters are on the front lines for consumers, often meeting them at their most vulnerable moments. Your commitment, professionalism, and courage are the reason FAPIA’s voice carries so much weight in Tallahassee, in the courts, and in communities across our state.
In this issue, you’ll find a Legislative Review that outlines where we stand today, the bills and proposals we’re monitoring, and the issues that could significantly impact both your work and the rights of policyholders. Our legislative efforts are not theoretical—they are grounded in the real challenges you report to us in the field: shrinking coverage, harmful endorsements, reduced access to representation, and increasing pressure on Florida families.
We also sent a Legal Update, including information on ongoing litigation that directly affects the ability of policyholders to hire licensed public adjusters, to our members earlier this week. These legal efforts are a reflection of our shared mission: to push back against practices that silence advocacy, limit consumer rights, and tilt the playing field even further in favor of insurers.
I encourage you to take a few minutes to read through these updates carefully. Stay informed, stay engaged, and please continue to share what you are seeing in your daily work. Your reports, your stories, and your support are the fuel behind everything FAPIA is able to accomplish.
Thank you for standing united with us on behalf of Florida’s policyholders. Together, we are stronger, louder, and more effective than any one of us could ever be alone.
With appreciation,
Frank Altieri
President, Florida Association of Public Insurance Adjusters (FAPIA)
Monitor 2026 Proposed Legislation with FAPIA and Get Involved
Some of the bills of most concern are HB 459 Property Insurance Claims - which would require all property insurance disputes to be resolved through DOAH Arbitration. At this time, the bill does not have a true companion nor has it been placed on the agenda of any committee. If anything changes, we will inform you and send out a call to action to the public adjusting community. At this time, there is no cause for alarm but we continue to closely monitor this anti consumer bill.
SB 266 Public Adjuster Contracts and it's companion HB 427 - These bills have also not been heard in committee or placed on any agenda. It is an entirely unfair measure targeting our industry (no surprise there) by insinuating that public adjuster routinely take advantage of consumers who are elderly, infirmed or otherwise mentally incapacitated. There is simply no evidence of this alleged trend. We have already met and spoken with the bill sponsors to express our concerns about the language as written and how it unfairly targets our industry. FAPIA continues to monitor this legislation, but again if there is a need for a call to action, FAPIA will keep you informed.
HB 527 Mandatory Human Reviews of Insurance Claim Denials and it's Senate companion SB 202 - This legislation would protect consumers from artificial intelligence programming that may be biased toward claim denial. It would require human review for denied claims. This bill was reported favorably in the House this week.
We will continue monitoring and reporting back on the above and all of the bills that have already been filed along with any relevant amendments.”
