Florida Association of Public Insurance Adjusters

What Florida Association of Public Insurance Adjusters does

The Florida Association of Public Insurance Adjusters (FAPIA) is a non-profit professional trade association founded in February 1993 and headquartered at 9100 S. Dadeland Blvd in Miami, Florida. Established in the wake of Hurricane Andrew (1992) to protect the public adjusting profession from restrictive legislation, FAPIA has grown to ~900 members representing a substantial share of Florida's ~2,100 licensed public adjusters. The association serves three core member segments: licensed public adjusters (renewing dues of $495/year or $42/month, with new members offered a 50% first-year discount), apprentices ($250/year), and attorney associates ($2,500/year). Its core product is FAPIA Membership, which bundles access to PA Academy (a Florida DFS- and Florida Bar-approved continuing education program providing the required 24 biennial CE hours), the Find-a-Public-Adjuster referral directory, member-only content and reports, the Code of Ethics and complaint process, and grassroots legislative advocacy via the PA4IP political committee and professional lobbyists in Tallahassee.

FAPIA operates on a membership-dues plus sponsorship plus events revenue model. Membership dues fund lobbying, public relations, continuing education, and member services. Corporate sponsorships from law firms and related service providers are sold at six tiers ranging from $5,000 (Brass) to $50,000 (Platinum) annually, with installment payment options and exclusive exhibiting rights that effectively require law firms to sponsor in order to access FAPIA events. Two semi-annual conferences and an annual convention provide additional revenue via exhibitor and registration fees and serve as the primary in-person distribution channel for membership recruitment and continuing education. Geographic focus is exclusively Florida, though members frequently hold multi-state licenses.

The association's underlying technology stack is a conventional SaaS association platform: memberclicks.net handles membership management, event registration, and the Find-a-Public-Adjuster search; the fapia.net website serves as the public content hub and consumer resource center; and a separate job board platform handles member recruiting. FAPIA's competitive position rests on its regulatory relationships (it has helped author Florida's apprenticeship, licensing, and CE requirements and won a unanimous 2012 Florida Supreme Court decision), brand recognition as the largest state PA association in the nation per NAPIA, and an embedded member ecosystem spanning committees, conferences, directory listings, and political action infrastructure. It generates demonstrable member value: per Florida DFS data cited by FAPIA, policyholders using public adjusters received materially higher claim payouts (e.g., 574% higher on non-catastrophe claims and 747% higher on 2005 hurricane claims) than those without.

Name

Florida Association of Public Insurance Adjusters

Legal name

Florida Association of Public Insurance Adjusters

Website

https://fapia.net

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

501–1,000 employees

Short description

The Florida Association of Public Insurance Adjusters is a non-profit trade association serving ~900 licensed public adjusters, apprentices, and attorney associates in Florida. It funds operations through membership dues, tiered sponsorships, and semi-annual conferences.

Ownership category

akta.pro rank

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Membership Dues: Annual and monthly membership dues from public adjusters, apprentices, and associate attorney members. Dues fund lobbying, PR, continuing education, conferences, and member services.
2. Sponsorship Revenue: Corporate sponsorships from law firms and related service providers at multiple tiers: Platinum ($50,000/year), Gold ($35,000/year), Silver ($25,000/year), Copper ($15,000/year), Bronze ($10,000/year), and Brass ($5,000/year). Sponsors receive marketing exposure at conferences, on website, in newsletters, and social media. Law firms cannot exhibit at FAPIA events unless they are sponsors.
3. Conference and Event Revenue: Annual and semi-annual conferences featuring continuing education, networking, and exhibitor opportunities for public adjusters and industry professionals.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

FAPIA is a non-profit professional trade association that provides licensed public insurance adjusters in Florida with membership services including tiered membership enrollment, continuing education through the PA Academy, semi-annual conferences, legislative advocacy via the PA4IP political committee, and an ethics complaint process. The association also operates a Find-a-Public-Adjuster online directory connecting policyholders with vetted member adjusters, and offers multi-tier corporate sponsorship packages (Brass through Platinum) to law firms and service providers seeking marketing exposure to the public adjusting community.

Product overview

The Florida Association of Public Insurance Adjusters (FAPIA) operates as a professional trade association for licensed public insurance adjusters in Florida. FAPIA's offering is not a unified software product but rather a collection of membership services, advocacy programs, and member resources. The core offering is FAPIA Membership, which provides access to continuing education through PA Academy, legislative advocacy via the PA4IP political committee, and a public adjuster directory. Additional services include an unlicensed activity fraud reporting portal, member reports system, ethics complaint handling, and community affairs initiatives through the Pay It Forward campaign. FAPIA is the largest state trade association for public adjusters in the nation, with approximately 900 members.

Differentiator

Problem solved

Functional benefit

Products and services

• FAPIA Public Adjuster Membership
• FAPIA Apprentice Membership
• FAPIA Attorney Associate Membership
• PA Academy Continuing Education
• Find a Public Adjuster Directory
• FAPIA Corporate Sponsorship Packages
• Public Adjusters for the Insuring Public (PA4IP) Political Committee
• FAPIA Annual and Semi-Annual Conferences

Quantifiable outcome

• Policyholders using public adjusters received $9,379 per claim vs $1,391 for those without (574% higher) for non-catastrophe claims; for catastrophic claims from 2005 hurricanes, those with public adjusters received $17,187 vs $2,029 without (747% higher)
• +1 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and minor.

• National Association of Public Insurance Adjusters (NAPIA)coreStrategic or Co-development PartnerFAPIA and NAPIA have a longstanding strategic partnership as state and national public adjuster associations. They jointly filed complaints against anti-public adjuster endorsements and previously filed a lawsuit against Sawgrass Mutual Insurance for policy language restricting public adjuster use. NAPIA provided support during Hurricane Andrew aftermath and has recognized FAPIA as the largest and best state public adjusting association in the nation. FAPIA's founding president was elected to NAPIA's officer ladder and became NAPIA president in 2011.
• Habitat for Humanity BrowardminorOthersFAPIA Community Affairs Committee partners with Habitat for Humanity Broward for annual home build days. Public adjusters volunteer alongside future homeowners to construct housing, with FAPIA and Florida Professional Law Group sponsoring the events. Members participated in builds for multiple families in 2016 and 2017.
• Joe DiMaggio Children's HospitalminorOthersFAPIA Community Affairs Committee launched the Public Adjusters Pay It Forward campaign at Joe DiMaggio Children's Hospital with donations of toys, games, arts and crafts, and gaming systems to hospital playrooms. The event was funded through member donations collected at the FAPIA Spring Conference.
• Florida Food Banks (13 organizations)minorOthersDuring COVID-19 pandemic, FAPIA raised $26,000 through its Pay It Forward campaign benefiting 13 food banks from Pensacola to Florida City including Warrington Emergency Aid Center, United Against Poverty, Metropolitan Ministries, Meals of Hope, Food4Kidz, Feeding South Florida, Feeding Northeast Florida, and Boca Helping Hands.
• Bahamas Relief OrganizationsminorOthersFollowing Hurricane Dorian devastation in the Bahamas, FAPIA donated to Grand Bahamas Children's Home, Chabad of the Bahamas, and Lend A Hand Bahamas to support relief efforts including feeding children and families, providing basic necessities, and rebuilding schools and homes.
• Florida Department of Financial Services (DFS)coreStrategic or Co-development PartnerFAPIA maintains a strong working relationship with the Florida Department of Financial Services. The association provides consultation on industry issues, participates in regulatory discussions, and works with DFS on investigation of unlicensed public adjusting practice. DFS administers public adjuster licensing, examinations, and continuing education requirements that FAPIA members must meet.
• Florida Office of Insurance Regulation (OIR)coreStrategic or Co-development PartnerFAPIA engages with the Office of Insurance Regulation on managed repair program approvals, rate filings, and policyholder protection issues. The association lobbies against provisions deemed anti-consumer and advocates for policyholder rights in regulatory proceedings.
• Florida Justice AssociationminorStrategic or Co-development PartnerFAPIA has built coalitions with like-minded groups including the Florida Justice Association to affect positive change on policyholder issues through grassroots legislative communications and advocacy efforts.
• Policyholders of FloridaminorStrategic or Co-development PartnerFAPIA collaborates with Policyholders of Florida as part of coalition building efforts to advocate for consumer protection and policyholder rights in legislative and regulatory forums.
• Florida Association for Insurance ReformminorStrategic or Co-development PartnerFAPIA works with Florida Association for Insurance Reform as part of broader industry coalitions to promote insurance reform and consumer protection measures in Florida.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• National Association of Public Insurance Adjusters (NAPIA): The national trade association for public insurance adjusters, serving as the parent-tier body to state associations like FAPIA. NAPIA and FAPIA are formal strategic partners; both advocate for the public adjusting profession, file joint complaints against anti-PA endorsements, and coordinate continuing education and Code of Ethics activities.
• California Association of Public Insurance Adjusters: California-focused public adjuster association serving analogous state-level advocacy, CE, and member-service functions. Provides a comparable peer model in the largest U.S. insurance market for benchmarking against FAPIA's membership and engagement approach.
• Windstorm Network: A network of public adjusters focused on windstorm and catastrophe claims, with formal leadership ties to FAPIA (Rick Tutwiler served as Windstorm Network President). Operates as a specialized peer organization with overlapping membership and parallel advocacy goals to FAPIA.
• Texas Association of Public Insurance Adjusters (TAPIA): Texas-focused public adjuster trade association, structurally analogous to FAPIA as a state-level trade body. Multiple FAPIA board members (notably Rick Tutwiler) are past TAPIA leaders, indicating close professional kinship and a peer model organizations look to for cross-state benchmarking.

Others

• Citizens Property Insurance Corporation: Florida's state-backed insurer of last resort. Frequently referenced in FAPIA's data and advocacy since Citizens policyholders historically generated major PA engagement (the 2013 fee ban repeal and 2008-2009 claims data both relate to Citizens). Operates as a key institutional counterpart to FAPIA's members.
• Florida Office of Insurance Regulation (OIR): Florida's primary state insurance regulator. FAPIA engages OIR on managed repair program approvals, rate filings, and policyholder protection rules. Serves as the regulatory counterpart to FAPIA's advocacy and shapes the operating environment of its members.
• National Association of Insurance Commissioners (NAIC): The U.S. standard-setting and regulatory support organization for state insurance regulators. FAPIA engages with state-level arms of NAIC (e.g., Florida DFS and OIR) on licensing and rule-making, making it a peer regulatory counterpart rather than a direct competitor.
• Florida Justice Association: Florida-based trial lawyer association that is a formal coalition ally of FAPIA on policyholder rights and tort reform legislation. Not a public adjuster trade association itself, but a peer advocacy organization with overlapping legislative and consumer-protection objectives.

Broad incumbents

• American Insurance Association (AIA): The principal national trade association for property-casualty insurance carriers. Represents the broader industry in which FAPIA's member public adjusters operate, and is structurally on the opposite side of many legislative and regulatory debates FAPIA engages in.
• Independent Insurance Agents & Brokers of America (IIABA / Big 'I'): The largest national trade association for independent insurance agents and brokers with overlapping insurance-industry membership, advocacy, and continuing education functions. Comparable to FAPIA as a trade association but represents the agent/broker side rather than public adjusters.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/florida-association-of-public-insurance-adjusters

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Florida Association of Public Insurance Adjusters