• HL Law Group

FAPIA President Tim Cornett Issues PA Guidelines on Safely

Meeting the Needs of Policyholders throughout COVID-19

FAPIA President Tim Cornett

In this issue, FAPIA President Tim Cornett shares his recommendations on how public adjusters can protect themselves and their clients during COVID-19 through several proactive measures.

As social distancing and personal protection are currently the only tools we have in combatting COVID-19, it’s important as essential workers that we provide policyholders with the comfort of knowing that we care about them by using best practices.

Personal Protective Equipment (PPE)

Proper sanitation of tools, equipment and even your cell phone are considerations that

we must all make in creating a blueprint of how to conduct business during times like these. Just as we expect insurers, contractors and anyone else coming into contact with an insured to use PPE, we must also follow CDC and OSHA protection guidelines for ourselves and our clients. Examples of OSHA general industry standards for PPE can be found at


Working Remotely

Although working remotely is currently considered temporary, it’s easy to see this trend becoming the norm. During this era of social distancing, it’s still necessary to do interviews, inspect properties, and participate in appraisals. While some insureds will be comfortable with the use of PPEs, others may not see them as sufficient protection. It’s imperative as industry professionals that we embrace the technologies that make remote work possible.

Some in our industry are already using products such as Zoom and Facetime to interview and communicate with clients, and we will increasingly become accustomed to remote inspections, mediations and even court appearances. Products like Matterport and roof measuring software make it possible to document a loss once so that repeat inspections become less necessary.

Nothing will ever replace eyes on the scene, but as the world adjusts to the reality of COVID-19, public adjusters, as essential workers, are finding ways to continue to help the insureds in need.

Financial Protection

Just as public adjusters advise their policyholder clients to check their policies to make sure they have enough coverage for any potential risk, as insurance professionals we need to be doing the same thing for ourselves and our businesses. Mitigating risk by using best practices is essential, but have you considered whether or not to carry liability insurance? What if a public adjuster is accused of causing their client to contract COVID-19? This is a legitimate concern that we all must examine. Would a client have a claim against their public adjuster if they contracted COVID-19 after an inspection or visit to the insured's property? This is a question that has infinite answers that will no doubt be litigated, but the potential for expensive financial risk is immeasurable.

It’s always suggested that public adjusters have liability insurance, but the question of COVID-19 coverage can only be answered by a review of the policy, its definitions and exclusions. It would be prudent to take the time to review any liability policy you already have in place. If you do not currently carry liability insurance, now would be the time to consider it.

Whatever the future holds for our industry, one thing is certain, property losses are still going to occur and insureds are going to need our help. It’s necessary that everyone in the public adjusting profession adjust and adapt to industry changes while striving to always utilize best practices.

The HL Law Group can help answer any questions you may have regarding business liability insurance or property claims. Give us a call today at (855) 713-1212 or email us at info@hllawgroup.com. We look forward to hearing from you.

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