Insurance Alert: What Are Anti-Public Adjuster Endorsements? I Altieri

Tampa Homeowners Insurance Alert: What Are Anti-Public Adjuster Endorsements?

September 11, 2026

Is it legal to hire a public adjuster in Tampa? Yes, absolutely.

However, insurers have quietly begun an assault on the homeowner’s right to hire professional assistance from a state licensed public adjuster. Some insurers do not want you to have your own advocate in the claims process, so they have gone as far as threating to deny your claim should you choose to do so. This void in professional help for the policyholder gives these insurers an unprecedented advantage over unsuspecting home or business owners and it just isn’t fair!

It has become our mission to help alert homeowners and businessowners of this assault against the policyholder.

Our strong recommendation is to review your homeowner’s insurance policy now to see if there is any language in it that prevents you from getting professional assistance if you should have a property claim.

This guide explains what anti-PA endorsements are and how they might impact your claims.

Reach out to Altieri Insurance Consultants Tampa today for legal representation from by our reputable team of public adjusters near you!

Are Anti-Public Adjuster Endorsements Illegal?

Just because it’s on a piece of paper doesn’t always make it legitimate and just because your current policy does not contain an Anti-PA Endorsement now, does not mean you won’t be dealing with it in the near future at policy renewal.

Some insurance companies are slipping into policy renewals the anti-PA endorsements without the knowledge of you or promise a minor discount if they do advise you. Attorneys tell us this conduct has to be illegal since public adjusters have been created by 45 different state governments to specifically assist policyholders with property claims. Therefore, public adjusters have to be individually licensed by each state where they work, must meet intense government oversight demands and conduct requirements, have to submit to Continuing Education hours each year, have passed FBI Background checks, are surety bonded, and are fiduciaries. Public adjusters in Tampa are subject to all of the above oversight as they assist home and business owners with their property claims.

The Legality of Public Adjusters In Florida

Public adjusters, as addressed above, are officially state licensed professionals who are authorized to aid Tampa homeowners in receiving a fair claim settlement. They accomplish this by performing policy reviews, evaluating and estimating damages, and representing the policyholder during claims submissions and negotiations.

Licensure ensures that public adjusters are regulated for the policyholder’s protection. Additionally, public adjusters are required to maintain twenty-four hours of continuing education credits annually to remain up to date with all changing laws and court case resolutions to be effective for their clients when dealing with insurance company representatives. Between licenses and regulations, public adjusters have more legal oversight than those who are pushing for anti-PA endorsements.

Are Property Owners Affected By Anti-Public Adjuster Endorsements?

Without question, policyholders throughout Tampa and Florida are negatively affected by anti-PA endorsements. Many times, homeowners in Tampa either unknowingly have this endorsement in their policy or are being coerced into allowing it on to their policy under the guise of a premium discount that amounts to only $200 or $300 in most cases. In contrast, public adjusters have been known to deliver settlements for their clients in the tens of thousands of dollars more than what insurers initially offer to settle claims, making that purported premium savings extremely inconsequential.

Our firm has been actively fighting anti-public adjuster endorsements through advocacy efforts in Tallahassee. Our Executive Vice President, Frank Altieri, has been spearheading the Florida Association of Public Insurance Adjusters efforts in lobbying the state legislature to ban such endorsements and enact additional policyholder friendly measures. While our President and CEO, Ray Altieri, III, has been doing the same on the national level.

Homeowners usually see great turnarounds after hiring public adjusters who act as representatives to negotiate a fair settlement offer. The monetary difference before and after is precisely why insurance companies are trying to limit their policyholders from accessing professional help with the intent to and shut down public adjusting firms in one fell swoop.

Watch Out For Anti-PA Endorsements In Your Policy

Unsavory practices, like inserting anti-PA endorsements into policies at the point in time when there is no claim to be concerned about are spreading throughout Florida. Be it willingly or unknowingly, property owners will sign an agreement with anti-PA endorsements when acquiring homeowners’ insurance, condominium insurance, or commercial business insurance, thus inviting unwanted conflict when attempting to hire a public adjuster when they come to the realization that they need professional help—and when is that—after suffering a significant damage claim.

The best way to protect yourself from legal battles involving anti-PA endorsements is to look for these endorsements in your policy before accepting the insurance policy your agent sends you. You have the right to hire a public adjuster in Tampa, and it should stay that way!