Session 005-19 Warrior Angels Need Training Too…


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Even born brawlers, such as Iron Mike Tyson, had to be taught.


Session 005-19 December 2nd thru the 6th.


Talent, without hard work and training, is useless.

Government entities have made it their mission to protect insurance companies over insureds… This is not my opinion, this is something we have factually proven over the last decade.

Photo credit: Jimmy Patronis Jr., Chief Financial Officer of the state of Florida, meets with residents of Mexico Beach during a press conference with Florida Gov. Ron DeSantis at Mexico Beach on Thursday, September 26, 2019. [DOUGLAS R. CLIFFORD | Tampa Bay Times]

Alas, if I am not careful, I can get off into a myriad of intricacies that we have exposed over the last decade, but that is for later. I began this article for multiple reasons, but specifically because of the following article in the Tampa Bay Times: Florida CFO blames public adjusters, lawyers for Hurricane Michael insurance claim delays

As a multi-state licensed Public Insurance Adjuster, one of those states being Florida, his statements, and his outlook on who we are and what we do, is appalling. This is coming from a top state official, whose erroneous opinions are just that, his opinions. Facts, those pesky little rascals, are nowhere in sight as my profession, along with attorneys, are blamed for the very deeds insures deployed prior to ANY catastrophic event occurring. As per usual, a vague, derogatory narrative directed at the only two professional industries that can legally help an insured after a loss. Both of which require licensure, and are policed more than all the carriers combined.


Because we are the ONLY TWO entities that can legally STAND UP and FIGHT those he is protecting… Insurance Companies.

Protecting? Yes, PROTECTING.

I call on him, and the entire state, to prove what he states. To prove that Attorneys for the Insured, and Public Insurance Adjusters, are in fact, the problem and not the solution. (While there are a few bad actors, that holds true in any profession, in every walk of life. The number of folks caught on the carriers side, including, but not limited to the carriers themselves, far exceeds that of both of our professions, combined. Apples to apples, and oranges to oranges, there is no comparison.) That is why we now provide this service.

I’ll wait…

Meanwhile, a few things to think about. He claims he supports a 30 day right of rescission, instead of the current three days after a state of emergency has been declared…

This is how out of touch they are. Currently, in Florida, after an Emergency declaration has been made on a loss like Hurricane Michael, the rescission period is extended from three business days to five business days… Found here, in chapter 626.854 which states, in part… ” (6) An insured or claimant may cancel a public adjuster’s contract to adjust a claim without penalty or obligation within 3 business days after the date on which the contract is executed or within 3 business days after the date on which the insured or claimant has notified the insurer of the claim, whichever is later. The public adjuster’s contract must disclose to the insured or claimant his or her right to cancel the contract and advise the insured or claimant that notice of cancellation must be submitted in writing and sent by certified mail, return receipt requested, or other form of mailing that provides proof thereof, to the public adjuster at the address specified in the contract; provided, during any state of emergency as declared by the Governor and for 1 year after the date of loss, the insured or claimant has 5 business days after the date on which the contract is executed to cancel a public adjuster’s contract. ”

In other words, he does not even know current restrictions.

Click on the hyper-link, and you can actually see, we are already heavily regulated with rules slanted towards giving an insurance company every benefit of the doubt… Was never supposed to happen that way. They already have all the premiums, large corporations, and an unlimited supply of attorneys who will defend them.

What does the Insured have?

A life changing problem after filing a claim, and facing their insurance company, who has all the resources listed above, and many more.

One has to remember why we purchased the insurance product in the first place.

To file legitimate insurance claims if/when the policy provides coverage. It was never meant to be a vehicle for insurers to use the premiums to make massive profits and not pay those same claims.

At this point, you have to ask yourself, “Who in the world can stand up to the corporate bullies who are destroying the very lives of the people who paid them in ADVANCE to Protect them from financial ruin if a claim were filed.”

The answer is much less complicated, especially after insurers successfully gutted the AOB/AOC provisions allowing contractors who were more successful than individuals, to pursue them when they failed to uphold their end?

Two guesses:

1.) Attorney duly licensed to practice law.

2.) Public Insurance Adjuster duly licensed to adjust claims.

Now, you can truthfully answer why the two industries are constantly being attacked by both governmental agencies and insurance companies… they are the only one’s standing between you, the insured, and their massive profits…

Unlike many who oppose the profession, we have facts. We have performed a substantial amount of claims the resulted from Hurricane Michael. Not our opinions, not what someone told us… facts. But no one wants to hear about those pesky little bits of information that annihilate any questions one may have…

One of the most simple. “Did the carrier pay for a permit? OSHA regulations?” No… Those are both legal requirements imposed upon an insured to do the work caused by the catastrophic loss…

As always and forever, #ProtectTheInsured

Just a few of the articles related:

Florida insurance companies took months to pay Hurricane Michael claims

More than 20K insurance claims still lingering 1 year after Hurricane Michael

Insurance companies ‘terribly unhelpful’ with hurricane recovery, former lawmaker says

Tens of thousands of Floridians still face insurance ‘nightmares’ after Hurricane Irma

Insurance policyholders being left behind following major storms | Opinion

When you start to connect the dots, the picture becomes very clear.

In order to fight, and do what we promised, #ProtectTheInsured… you must train continually.

We offer that.


We offer the full 24 hour continuing education for Texas, but we have found, when students are given the choice of either the credits, or real world training, the choice has been real world training.

Session 005-19 will be held on December 2nd thru the 6th and will be the only December session. 8:00 am to 5:00 pm, Monday thru Friday.


Here is a recent article I like from Chip Merlin, explaining what carriers do with all that money. “How Florida Insurers Make Millions on The Side

As always and forever, #ProtectTheInsured!



If CE route is chosen, it will go as follows: (Choice is made by majority vote at beginning of 1st day.) The same items are gone over, the difference is we can pick what areas you are actually having trouble on, and focus on them. Last class left with their most problematic claims at closing points. (Appraisal and PIA)


Our Texas State Credentials, found @ hyper-link below.

Registered Provider: Public Adjuster Boot Camp LLC – Melanie Spoon, Shaun Hodge, and Cal Spoon

Texas Registered Provider Number: 160583

Type of Study: Classroom

Location 902 51st Street, Galveston, Texas 77551

Course length: Course will be five consecutive days, beginning Monday. Course will be eight hours per day, for a total of 40 hours. We understand that the minimum requirement for our profession is 24 hours. We are not trying to reach the minimums, we are going to exceed them, thereby assuring that anyone who has attended, and passed, will be more than capable of performing the duties of a Licensed Public Insurance Adjuster. For those who need CE, they will receive the hours credited through Sircon and a certificate of completion for 24 hours as well as a certificate of completion for the full 40-hour course.

Daily Schedule

Time                                       Activity                                              Classroom Hours

08:00 am – 10:00 am             Ethics and Law                                   2.0 hours

10:00 am – 10:15 am              Morning Break

10:15 am – 12:00 pm              Policy and Interpretation                    1.45 hours

12:00 pm – 12:30 pm              Lunch

12:30 pm – 02:45 pm             Policy and Interpretation                    2.15 hours

02:45 pm – 03:00 pm              Afternoon Break

03:00 pm – 05:00 pm              Application of lesson to a claim         2.0 hours


The following course topics and discussions will be gone through, thoroughly, beginning to end for the Ethics and Law portion:

  • Texas Prompt Payment of Claims


Claim Acknowledgment

Acceptance/Rejection/Additional Information Request

Payment of claim

Court decisions on Texas Prompt Payment of Claims

  • Ethical duties in adjusting a claim and submitting documents on behalf of an insured.

Insurance Fraud

Recoverable Depreciation

Prior loss history

Duty to fully investigate

Sworn Proof of Loss

Examination Under Oath


  • Texas Insurance Code Chapters 541 & 542

Duty of Good Faith and Fair Dealing

Unfair Claims Settlement Practices

Deceptive and false information regarding policy coverage.

Statutory Bad Faith

False, misleading information, failure to disclose known facts impacting the claims adjustment

Recent court decisions interpreting Chapters 541 & 542


  • Public Adjusting 101

Public Adjuster Rules

Public Adjuster Obligations

Ethical and Legal Requirements of Public Adjusters

Conflicts of Interest and prohibited conduct

Unauthorized Practice of Law

Unauthorized Practice of Public Adjusting


  • Recent appellate decisions concerning Public Adjusters and the appraisal process

Public Adjuster liens

Endorsement of claims check (fiduciary duties)

Rights of Public Adjusters

Interpretation of appraisal provisions (competent and independent)

Survival of bad faith and prompt payment of claims post appraisal

Allowed compensation of appraiser’s expert witness


The following course topics and discussions will be gone through, thoroughly, beginning to end for the general knowledge portion:

  • Insurance fundamentals – Updated 03/03/2018

Insurance Defined & the Principle of Risk

Elements & Characteristics of Insurance Contracts

Important Terms Pertaining to Insurance Contracts

The State Insurance Department


  • Insurance Companies – Updated 01/19/2018

Insurance Companies – Classifications

Insurance companies – Agents, Producers, Brokers


  • Property Insurance Concepts – Updated 03/08/2018

Property Insurance Concepts

Loss Valuation & Settlement methods


  • Liability Insurance Concepts – Updated 01/05/2018

Liability Insurance Concepts- Updated 01/05/2018


  • Unfair Claim Settlement Practice Act – Updated 10/23/2017

Unfair Claim Settlement Practice Act – Updated 10/23/2017


  • Standard Fire Policy

Standard Fire Policy- Module A

The Standard Fire Policy – Module B


  • Dwelling Insurance

Dwelling Insurance – A

Dwelling Insurance – B

Dwelling Insurance – C
Dwelling Insurance – D

Dwelling Insurance – E


  • Homeowners Insurance Texas – Updated 3/28/2018

Eligibility & Definitions

The Homeowner Forms

Exclusions; Section I in Detail

Exclusions; Limits of Liability; Coverage D

Additional Coverages

Section I – Property Conditions

Section II – Liability Coverages and Exclusions

Liability Exclusions and Additional Coverages

Section I and II Conditions


  • Personal Inland Marine Insurance

Personal Inland Marine Insurance


  • Personal Watercraft & Yacht Policies – Updated 7/27/2017

The Personal Watercraft & Yacht Policies – Updated 7/27/2017

The Yacht Policy – 7/27/2017


  • Insurance Claims Adjusting

Introduction to Claims Adjusting – Updated 11/01/2017

Adjusting Insurance Claims — Updated 11/01/2017


  • Adjusting Property Loss Claims – Updated 03/02/2017

Adjusting Property Loss Claims – A

Adjusting Property Loss Claims – B


  • Texas Public Adjustor Law

Texas Public Adjuster Law – Updated 08/03/2018


  • Personal Automobile Insurance

Personal Auto Policy, Eligibility, Rating Factors

Part A Liability Coverage and Exclusions

Part B Medical Payments; Part C Uninsured Motorist; Part D Coverage for Damage to your Auto

Limits of Liability; Parts E and F Conditions; Other Provisions; Endorsements


  • Commercial Package Policies & The Business Owners Policy – Updated 11/10/2017

Introduction to Commercial Package Policies and the BOP

BOP Eligibility and Coverages

Additional Coverages; Extensions of Coverage

Liability Coverage; Optional Coverages and Endorsements


  • Commercial Property Insurance – Updated 6/1/2017

Introduction to Commercial Property Insurance

Property not covered

Commercial Property Conditions

Cause of Loss Forms

Business Income (Time Element)

Miscellaneous Property Forms and Endorsements


  • Equipment Breakdown Coverage

Coverages and Extensions

Deductibles, Endorsements, Exclusions


  • Umbrella & Excess Liability Coverage

Personal and Commercial Insurance


  • Commercial Inland Marine Insurance

Commercial Inland Marine

Commercial Property Floaters Risks

Bailee Forms and Dealers Policies

Loss Conditions

Conditions (cont.); Exclusions


  • Ocean Marine Insurance

Introduction to Ocean Marine Insurance; Implied Warranties

Hull Coverage

Cargo & Freight Insurance; Ocean Marine Forms, Perils & Exclusions

Ocean Marine Claims Handling and Payment of Premium

      • Aviation Insurance

Aircraft Hull Policies, Aircraft Liability Coverages, Definitions

Admitted Aircraft Liability, Hangar keeper’s Liability, Exclusions

  • Bonding & Surety – Updated 06/01/2017

Bonding & Suretyship, Fidelity Bonds and Surety Bonds

Contract Surety Bonding and Financial Institution Bonds


All course work will be performed through the online version of Public Insurance Adjuster course in an open discussion classroom setting. This is being done for many reasons, I will list just a few.

  1. We have administrative rights to all tests and scores taken, and can submit those, as needed by the department, to confirm the effectiveness, participation, and general amount of time spent by time logged in, and tests taken. (Attendance, roll call, and exit.)
  2. The material provided by has already been approved by the department and will not be changed or deviated from in our classrooms. We will actually discuss them in great detail, with different scenarios.
  3. incorporates any new legislation affecting the rules that govern us, as you can see, all versions above carry the latest updates.
  4. We used the very same program to obtain our initial Texas license, and have used them whenever necessary to obtain licensure in other states.
  5. Courses will be administered via laptops we provide, specifically and solely for this purpose, and will remain in our possession at all times, save for theft, or any other instance out of our control.

What can you expect from this Session?

Students who have taken and successfully completed our course should be able to read and understand common policy language and conditions. This would include exclusions, endorsements, and claim filing procedures. After each 6-hour class day, there will be an additional 2 hours dedicated to the open discussion, and actual application, based off our collective knowledge in the field. This equivalates to 40 actual classroom hours, more than the required 24. Finally, if the student is not already licensed, that student should be able to schedule, take, and pass the exam provided by Pearson VUE, then be capable of performing their duties once a license is obtained.

We look forward to helping insurance professionals maintain the highest standards possible, by raising those very standards.


All cancellations must be received in writing on or before the 14th day prior to the commencement of the course.    Cancellations requests received in writing on or before the 14th day will result in a refund of the registration fee less a 20% administrative charge.   Any cancellations less than 14 days prior to the course will result in the forfeiture of the registration fee.     Cancellation requests must be made in writing to the registrar at Public Adjuster Boot Camp Attention: Melanie Spoon at 902 51st Street, Galveston, TX 77551-4110.


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