Rules of Professional Conduct & Adjuster Ethics
All members of FAPIA are required to abide by the following Rules of Professional Conduct and Ethics. This better enables us to insure that our clients and members of the public are able to receive proper and ethical treatment at all times.
- The members shall conduct themselves in a spirit of fairness and justice to their client, the insurance companies and the public.
- Members shall refrain from improper solicitation.
- No misrepresentation of any kind shall be made to an insured or to the insurance companies.
- Commission rates shall be fair and equitable, and strictly in accordance with the prevailing laws or regulations of the Florida Insurance Department.
- Members shall conduct themselves so as to command respect and confidence. They shall work in harmony with one another, with their clients and the insurance companies= representative so as to foster a cordial and harmonious relationship with all branches of the insurance business and with the general public.
- Members must be fitted by the knowledge and experience for the work they undertake. They must not endanger the interests of the public adjusting profession, or risk injustice to insureds or to the insurance companies by attempting to handle losses or claims for which they are not qualified, and for which they cannot find competent technical assistance.
- Members shall not engage in the unauthorized practice of law.
- Members shall not acquire any interest in salvaged property or participate in any way, directly or indirectly, in the reconstruction, repair, or restoration of damaged property, except with the knowl edge, consent or permission of the insured.
- Members shall be cooperative and assist one another in every possible way.
- Members shall not disseminate or use any form of agreement, advertise in or any printed matter that is harmful to the profession of public adjusting, or which does not comply with the rules and regulations of the Florida Insurance Department, or which might subject public adjusting and public adjusters to criticism or disrespect.
