NAPIA Cautions South Carolina Insureds Victimized by Severe Flooding That Their Coverage Might Not Meet Expectations

 Potomac Falls, Virginia (October 16, 2015) – ‎ The National Association of Public Insurance Adjusters (NAPIA) has cautioned residents and business owners of South Carolina victimized by the severe flooding in the state that their insurance coverage may not meet their expectations.

 “There are several ways such losses might be covered" noted NAPIA President Scott deLuise.  “One way to obtain insurance coverage for these losses is through FEMA flood policies (National Flood Insurance Program) and the other is through individual property policies.  Both types of policies have restrictions and FEMA policies do not provide complete replacement cost coverage.  Until flood victims have had a professional review their policy, we would encourage policyholders to be cautious when approached by people who claim to be able to prepare an insurance claim or act on an insured's behalf." 

NAPIA is working closely with national, state and local legislators and regulators such as the National Association of Insurance Commissioners (NAIC) and the Coalition Against Insurance Fraud (CAIF) to protect policyholders from a variety of improper activities such as the unauthorized practice of public insurance adjusting by contractors and other “unlicensed” individuals. South Carolina requires those acting as public insurance adjusters to maintain an active license through the South Carolina Department of Insurance.

NAPIA applauds the immediate response of Governor Nikki Haley and Insurance Commissioner Raymond Farmer of South Carolina to those stricken by the recent storms and wishes those people to know that they can obtain a free policy review from a NAPIA member firm by finding a public adjuster on the association’s website ( or by calling (703) 433-9217.

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 Founded in 1951, the National Association of Public Insurance Adjusters promotes state licensing, professional education, certification and a high standard of conduct and ethics.  NAPIA’s 750 plus members are committed to serving in the best interest of their client – the policyholder.

 For more information about NAPIA visit