Welcome to TAPIA
The Texas Association of Public Insurance Adjusters, or TAPIA, is an organization dedicated to protecting the interests of insured Texas home and business owners who have suffered property insurance losses. As public insurance adjusters who work on behalf of the insured / policyholder, our focus is:
- Providing continuing education for public insurance adjusters
- Protecting the public insurance industry in Texas
- Protecting the rights of insurance consumers in Texas
- Upholding a strict code of ethics
Public insurance adjusters in Texas have joined together to form TAPIA to promote professionalism and ethics within the public adjusting industry, and to protect the rights of consumers who have sustained an insured property loss.
What are Public Insurance Adjusters?
Public adjusters represent the interests of the insured / policyholder in the preparation, presentation, and settlement of first party property insurance claims. Where staff and independent adjusters work on behalf of the insurance company, public adjusters work solely for the insured.
Public insurance adjusters in Texas are required to be licensed, and must follow strict guidelines set forth by the Texas Department of Insurance, including the manner in which they get paid. For example, most public insurance adjusters charge a percentage of the claim. In Texas, this fee cannot exceed 10 percent of settlement on the claim. There are other rules and regulations designed to assure that consumers in Texas are dealing with well education, professional, and ethical public adjusters.
Why Texas Policyholders Need the Services of Public Insurance Adjusters?
Property insurance policies obligate the insured / policyholder to prove its claim to the insurance company. Public adjusters are skilled in all aspects of the claims process, thereby putting the insured on equal footing with their insurance carrier. Licensed public adjusters have expertise in many areas, including the understanding complex insurance policies from an adjuster’s point of view.
Public adjusters are also trained to identify covered damage and estimate appropriate repair or replacement costs. Public insurance adjusters are familiar the insurance industry and its customs and practices. As a result, they are able to present claims in such a way as to assure the most favorable outcome for the insured.
The immediate aftermath of an insurance loss is devastating and stressful. Knowing that a public insurance adjuster is carefully documenting the damage, and working on your behalf to ensure that you get every penny you deserve under the terms of your policy, brings peace of mind during a stressful time.
TAPIA Public Insurance Adjusters
The Texas Association of Public Insurance Adjusters promotes the highest standards of professional conduct in the field of public adjusting. TAPIA members are committed to conducting their business with honesty and integrity, and in accordance with the licensing laws of the State of Texas.