APA Fraud Fighter Quarterly | Spring 2024

2024-06-14T21:15:39+00:00

APA ANNOUNCES 2024
MEMBERSHIP SUMMIT

JOIN US OCTOBER 17-18TH IN NASHVILLE, TENNESSEE

The American Policyholder Association’s Annual Membership Summit is coming to Nashville, Tennessee from October 17th through 18th! Over these two days, we will plan APA’s next steps, discuss strategy, network, and more!

This event is open to all Professional and Corporate Members, as well as the Advisory Board. We are excited to pack as much education, strategy and entertainment into these two days.

This will be similar to the APA Summits that you’ve attended in the past, however it may look a little different this year. We are looking forward to focusing on each member’s opinions and thoughts on insurer fraud and the future of the industry. We will still have great speakers and classes, however we are ready for the ever-growing APA family to get more involved.

At last year’s annual summit, we were honored to be joined by speakers like Jay Feinman, author of Delay, Deny, Defend and Dr. Ana-Maria K. Tenekedjieva, an economist for the Federal Reserve Board of Governors.

As always, this event is free for our members. Registration is required and a $250 deposit must be put down to hold your seat. As long as you attend, the deposit will be returned to you or you have the option to donate It to the APA’s mission. For Sponsorship opportunities, please e-mail Morgan@APassociation.org. More information will announced soon. Look out for e-mails from the APA and updates in your member portal! E-mail info@APassociation.org with any questions.

board advisor spotlight

meet heath hicks

Heath Hicks, an APA Founding Board Advisor, found success in the construction industry as the owner Avco Roofing. He is also a co-founder of The Catch All, a product that assists roofers
protecting their clients landscaping, which has
also proven to be a great marketing tool for roofing companies across the country.
He also loves to travel, often with his family but
he’s also known to travel across the world to find
the best materials for his next product.

Heath spends his free time with his two adorable
sons. They can often be found spending time together caring for their rescue horses or exploring the woods on their ranch outside of Tyler, Texas.

He also loves to travel, often with his family but he’s also known to travel across the world to find the best materials for his next product.

The APA Team is so grateful for your constant support and guidance.

PROSECUTORS CORNER

An update from Dominic Dugo, the head of the APA CPU

The APA Consumer Protection Unit (CPU) continues the battle to protect consumers from insurance fraud. Our entire team, Chief Investigator Nancy Dodd; Senior Investigator Kathleen Reyes; Investigators Esmeralda Falat and Lynn Guzman; and Law Clerk Chloe Krake were honored to attend the Annual APA Conference in Dallas this last November. It was a great opportunity for our team with over 150 years of law enforcement experience to meet you and hear the problems you are witnessing on the ground throughout the country. Only by working together can we effectively
combine your construction repair expertise with our law enforcement knowledge to put together cases for prosecutors to review and ultimately file felony criminal charges when appropriate.

We have several cases in various states that are currently being investigated. This in itself is a major accomplishment since “APA-type fraud cases” have not been investigated or prosecuted in the past. With your help, I am confident that APA can have a major impact to protect consumers from insurance fraud. As always, feel free to reach out to us on any potential fraud cases.

Dominic Dugo

WANT TO BE MORE INVOLVED?

Connect, build, and collaborate with the
Director’s Project Team.

If you are interested in being more involved with the APA as a
dues-paying member, we welcome you to review the Director’s Project Team list!

We are putting together task-driven teams to accelerate the growth of the APA to the next level of development and prominence as a national powerhouse consumer protection organization. Each initiative will be captained by a Board Advisor and manned by Corporate and Professional members.

No matter what your interest or area of expertise, we have a project for you to either join or get started. Some tasks on this list
have already been conquered, and some are just getting started!

This list can be found in your Member Portal for review. To join any team or to start a new one, please e-mail Caitlin@APassociation.org.

INTRODUCING THE NEW APA CONSUMER MEMBERSHIP

A brand new APA membership level

The APA is so grateful to all of our members. Thanks to our dues-paying members, we are able to provide knowledge and protection from insurer fraud.

Many policyholders have shared interest in fiscally supporting our mission and we are excited to introduce the new Consumer Membership Levels.

ASSOCIATE MEMBERSHIP

FREE
Quarterly Newsletter

SILVER MEMBER

$25 per month
Quarterly Newsletter, Hat or Fraud Fighter Shirt

GOLD MEMBER

$100 per month
Newsletter, Hat, T-shirt or polo, & invite to Quarterly Conference Calls

National Advocate

$5,000+ per year
Newsletter, Hat, choice of shirt, meeting with APA Executive Director, Invited to APA Summit (This year in Nashville)

In addition to supporting the APA’s mission, each membership level also has additional benefits. Is it time for you to upgrade your membership? Please e-mail info@apassociation.org for more information and to sign up.

CALLING THE APA ADVISORY BOARD AND CORPORATE MEMBERS

APA KICKS OFF NEW ONSITE
FRAUD TRAINING

The APA is always adding new benefits to membership! The newest incentive is for
Corporate Members and the Advisory Board. Every team has members with different skill sets and levels of experience. With that said, upon request, APA Executive Director, Doug Quinn, will personally come to your staff meeting to educate your team on the APA mission and how fortunate they are to work for a company that goes above and beyond to defend consumers from insurer fraud.

During each event, Doug will teach your team insurer fraud and the red flags. He will also dive deep into the APA’s mission. They will learn how being an APA member will help them on a daily basis, as well as when the insurer has crossed a line and when it’s time to report fraud to the APA.

The APA is dependent on our members in the field. No matter what your exact professional expertise may be, it is up to you to truly understand insurer fraud and report it to the APA. This is your chance to make sure your team has the skills to know what to look for when assisting policyholders.

Multiple members have already taken advantage of this membership perk and you could be next! Email Morgan@APassociation.org to schedule an event at your office today!

Where have you seen the APA?

path to idemnify

May 15th – 17th

REAL MANAGE

May 20th – 22nd

COALITION 2024, MIDYEAR MEETING

June 3rd – 4th

RCAT

September 11 – 13th

Western Roofing Conference

Sept 29th – Oct 1st

Don’t forget to use the hashtag #APAOnTheMove when you see us out and about!

A WORD FROM OUR EXECUTIVE DIRECTOR

Doug Quinn

Greetings Fraud Fighters!

The APA has started off 2024 with tremendous momentum and we have quite a few new developments in store for the upcoming year. We are excited about offering on site APA training sessions for the teams of our corporate members’ and board advisors’ companies. We are already rolling, having taught the first two workshops.

We are also preparing to attend our first Coalition Against Insurance Fraud meeting as Board members. This board appointment for the APA, in addition to the state of Louisiana legislature previously appointing the APA to the state’s property and casualty insurance commission, shows what tremendous credibility and influence our organization is achieving nationwide.

On the legislative front we are actively working to pass reforms to the national flood insurance program that protect policyholders from fraud and help eliminate bad actors from the program.

The APA currently has three active criminal investigations opened by two separate states based on our referrals. While we know that the wheels of justice turn slowly, we are closely monitoring the progress of these cases and will keep our membership appraised.

Thank you all for your support, dedication, and hard work and pushing for the APA mission to defend the American consumer from insurer fraud .

APA MEMBERS ADD THERAPIST TO STAFF

It can take just a few years for a natural disaster or individual loss to wipe out a family’s home, but the mental toll that survivors suffer from can last years.

Not only losing their possessions, livelihoods, sense of well being, but also dealing with insurance claims, government bureaucracy, and the trauma they’ve lived through. Mental health issues have long been the secret anguish that many survivors suffer with alone.

APA Company Members, Tina and Negal Nabhan from Public Service Adjusting (pictured above) has taken the innovative step of hiring an on-staff therapist to help survivors cope with the mental health issues that often follow a serious loss.

We salute this compassionate move that will help loss impacted families to move forward and recover.

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APA Fraud Fighter Quarterly | Fall 2023

2024-06-12T21:35:33+00:00
APA Fall Newsletter

2023 APA Membership Summit Coming to Dallas

Jay Feinman, Dominic Dugo, Matthew Smith and Whistleblowers among distinguished speakers & panelists.

The APA team is excited to invite all of our Fraud Fighting family to Dallas, Texas for the 2023 Membership Summit! The schedule for this event is packed tight and will provide you with the knowledge and connections to protect yourself and your clients from insurer fraud, including a media panel that will be broadcast live to educate the public.

This year, we are delighted to welcome the author of Delay, Deny, Defend, Professor Jay Feinman as a speaker, as well as Ana-Maria K.
Tenekedjieva an economist for the Federal Reserve Board Of Directors, and Matthew Smith, the Executive Director of the Coalition Against Insurance Fraud, APA National Prosecution Coordinator, Dominic Dugo as well as the entire APA Consumer Protection Unit.

You’ll have a chance to meet the APA Board Of Directors and hear APA Executive Director Doug Quinn, present along with appearances by the APA Operations Team, including Morgan Walker, Heather Shapter, Megan O’Shea, and Larry Burtis. There will be surprise VIP’s attending as well. Look for announcements in the coming weeks.

This groundbreaking event is focused on teaching industry professionals how to best detect and defend policyholders from criminal fraud Perpetrated by insurers, as well as the TPA’s and Engineering firms they hire. As a “Membership Gathering”, the Summit is different thantraditional conferences in that there will be lots of back-and-forth with audience participation to determine how best to shape and execute the APA mission. We have also planned events that will give you a chance to meet & network with fellow APA members who are among the top Ieaders and innovators in their fields of expertise.

The conference is open only to APA Members and it is free of charge with our membership. Please check your email for the official invitation to the APA Membership Summit or reach out to megan@apassociation.org for more information. Sponsorship opportunities are still available! Contact Morgan Walker at morgan@apassociation.org to learn how you can get involved in this year’s event!

The Summit is held in Downtown Dallas with many exciting attractions, fine dining, and entertainment venues within walking distance . Rooms in the host hotel are limited, so don’t wait to book your hotel room at the Crown Plaza Dallas Downtown.

IN MEMORIAM

BOB GREEN

The APA family is heartbroken to share the passing of Bob Green. Mr. Green was a proud advocate for policyholders throughout his long, accomplished career. We have been proud to have him on our Advisory Board since the early years of the APA. As a founding Board Advisor, he guided other industry professionals who will undoubtedly follow in his foot steps.

Bob Green was a proud husband and father who was born and raised in Texas, where he founded the Law Firm of Green, Klein, Wood & Jones.

Bob’s partners will no doubt honor his legacy by continuing his work at the firm and with their commitment to advancing the APA Mission of defending the American Consumer from Insurer Fraud.

Bob will forever be missed by the APA family.

PROSECUTORS CORNER

An update from Dominic Dugo, the head of the APA CPU

Our APA Consumer Protection Unit (CPU) continues expanding their influence and impact against insurer fraud. For the very first time since the establishment of the APA, we have 3 criminal cases being investigated by law enforcement in Florida and Louisiana as a result of a CPU referral. Our highly skilled and experienced retired law enforcement CPU team is proving around the country that APA fraud referrals are credible and merit a review by law enforcement. Slowly but surely, APA is having a major impact on how insurer fraud is viewed by Prosecutors and Departments of insurance.

CPU staff look forward to meeting members in Dallas in November during the 2024 Annual APA Conference. Feel free to approach our team members and discuss any fraud issues you are experiencing at work. See you all in Dallas!

REMINDERS

FOR ALL APA MEMBERS

  • Please RSVP to the 2023 APA Membership Summit. A
    Paperless Post invitation was sent to you via email.
    Contact Megan@apassociation.org for assistance.
  • Please make sure that you are in the APA Members-only Facebook Group! It is a safe place to talk about industry related
    topics with like-minded professionals. We encourage you to start any conversation! This is a secret group, so you must contact Megan for access.
  • Make sure the APA has your updated information on file! If
    you’ve changed your email, mailing address, or phone
    number, please contact megan@apassociation.org at your
    earliest convenience. This is CRUCIAL. We are not able to
    keep you up to date on the APA mission if we can not
    contact you.
  • If you have yet to become an APA Member, get in touch with Megan to learn more about the benefits and the
    change you can make within the insurance industry.

FRAUD FIGHTING TIP OF THE SEASON

Examine Reports Carefully

“Learn more at apassociation.org/resources.

Look for inconsistencies, ‘Cut & Paste’ Reports (watch for wrong name, address, etc. that suggests they are using someone else’s report.)

Confirm that the “Conclusions” at the end report match observations in the previous section of the report. Double-check if the description of the original construction / materials are accurate. Is your insurance company claiming damage caused by a previous weather event without proof? Confirm that ALL recommended repairs meet local building codes. Learn more at APassociation.org/resources.

APA IN THE NEWS

2023 has so far proven to be a year of great success for the APA’s “Balance the narrative” program (BTN). Our message has been featured in the Washington Post, the Miami Herald, Insurance Journal, as well as television news on FOX, ABC, NBC & “Spotlight on America

We were featured on the front page of the Washington Post story, Apple News, & “Nightly News with Lester Holt”; one of the top five most watched daily TV programs in America. These are just the highlights as there has been much more local news coverage. Look for more as we are currently in talks regarding stories with several other outlets. Keep an eye on our news page too where we feature some of these media appearances.

How do you wear your apa gear?

APA Swag is available now! Put in an order to be mailed OR delivered to you at the 2023 APA Membership Summit. Order now by emailing Megan@APassociation.org

We are currently working on our new online store so keep an eye out for when we launch our exclusive APA Members Swag Store.

The APA team is excited to invite all of our Fraud Fighting family to Dallas, Texas for the 2023 Membership Summit! The schedule for this event is packed tight and will provide you with the knowledge and connections to protect yourself and your clients from insurer fraud, including a media panel that will be broadcast live to educate the public.

This yeear, we are delighted to welcome the author of Delay, Deny, Defend, Professor Jay Feinman as a speaker, as well as Ana-Maria K.
Tenekedjieva an economist for the Federal Reserve Board Of Directors, and Matthew Smith, the Executive Director of the Coalition Against Insurance Fraud, APA National Prosecution Coordinator, Dominic Dugo as well as the entire APA Consumer Protection Unit.

You’ll have a chance to meet the APA Board Of Directors and hear APA Executive Director Doug Quinn, present along with appearances by the APA Operations Team, including Morgan Walker, Heather Shapter, Megan O’Shea, and Larry Burtis. There will be surprise VIP’s attending as well. Look for announcements in the coming weeks.

This groundbreaking event is focused on teaching industry professionals how to best detect and defend policyholders from criminal fraud Perpetrated by insurers, as well as the TPA’s and Engineering firms they hire. As a “Membership Gathering”, the Summit is different thantraditional conferences in that there will be lots of back-and-forth with audience participation to determine how best to shape and execute the APA mission. We have also planned events that will give you a chance to meet & network with fellow APA members who are among the top Ieaders and innovators in their fields of expertise.

The conference is open only to APA Members and it is free of charge with our membership. Please check your email for the official invitation to the APA Membership Summit or reach out to megan@apassociation.org for more information. Sponsorship opportunities are still available! Contact Morgan Walker at morgan@apassociation.org to learn how you can get involved in this year’s event!

The Summit is held in Downtown Dallas with many exciting attractions, fine dining, and entertainment venues within walking distance . Rooms in the host hotel are limited, so don’t wait to book your hotel room at the Crown Plaza Dallas Downtown.

GPS Conference

Oct 4-6

FAPIA LIVE

October 21-23

APA Membership Summit

November 1-3

roofcon

November 7-9

PPANJ

November 15

ADVOCATES UNITED

November 15-16

NAAG

December 4-6

napia

December 4-6

src

January 9-11

Don’t forget to use the hashtag #APAOnTheMove when you see us out and about!

A WORD FROM OUR EXECUTIVE DIRECTOR

Doug Quinn

Greetings Fraud Fighters!

We are 3/4 of the way through 2023 and it has already been an exciting year in the APA world. If you were on this quarter’s “Membership Update” conference call you know we discussed several criminal referrals submitted by the APA to fraud departments in
multiple states.

2023 has seen the launch of the ”APA Whistleblower Program” and development of methods to encourage insurance industry insiders to come forward with evidence of potential crimes they may have witnessed.

Furthermore, the APA Media Strategy has paid off tremendously by producing high profile media coverage of the APA’s mission. This exposure has, in turn, lead to more leads on potential criminal, insurer fraud cases coming in to our CPU.

We will discuss these developments and more at the upcoming APA Membership Summit in Dallas on November 1-3. If you haven’t attended the APA Summit before, you are in for a unique event. The core of APA’s supporters will be onsite, working side by side to bring our Mission to the next level.

The secret to the APA’s innovative method is collaborative teamwork by some very brilliant and committed professionals who are boots on the ground in our efforts to defend the American Consumer from Insurer Fraud. We look forward to seeing you in Dallas!

DID YOU KNOW?

YOU CAN VERIFY AN ENGINEERS LICENSE AND CHECK THEIR DISCIPLINARY HISTORY?

The APA has made it easier than ever for the public to verify that they are working with a licensed engineer. If you spot red flags, you are also able to view their disciplinary history. The APA team has created a state-by-state list of links that can be found at: apassociation.org/apa-engineer-research-complaint-portal

Scroll to your state, click the link and follow the directions that your state has in place. Every state is different, but they don’t always make it user-friendly.

On the same page, you will also find that you can file a complaint to each state’s Engineering Board. Each state has their own way of accepting them. Some you can file on their website, e-mail, some of them even require you to send a complaint through the USPS.

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APA Fraud Fighter Quarterly | Summer 2023

2023-06-29T05:27:03+00:00
APA Quarterly Summer 2023

Read All About It: APA Efforts Become National News

“Sunlight is the best disinfectant” as the old saying goes & the APA completely agrees.

The American Policyholder Association uses a four-step strategy to protect consumers from Insurer Fraud. A key part of that strategy is publicizing tactics used to illegally underpay or deny legitimate claims.

APA has received multiple complaints from Florida Policyholders in the wake of Hurricane Ian. In addition, multiple insurance industry insiders with evidence of potential fraud have reached out to the APA Whistleblower program.

The American Policyholder Association has been working closely with the State of Florida fraud investigators & also with multiple media outlets to address these issues. These media outlets include NBC, CBS, ABC, The Insurance Journal, Tampa Bay Times, and the world-renowned Washington Post. While many of these stories have been published and aired, the story is ongoing and there are several national media outlets working closely with the APA on News stories that will run in the coming months.

Keep an eye on the APA’s social media outlets for upcoming stories as they run.

Watch Lester Holt interviewing APA Executive Director Doug Quinn, you can also read the Washington Post investigation featuring The APA.

BOARD ADVISOR SPOTLIGHT

ERIC & MIKA HUNTER

Erik Mika Hunter

Meet Eric and Mika Hunter! The
Hunters have shown endless support
for the APA’s mission. In the
industry, they are known as a power
couple whom balance each other out
perfectly and for running their
successful business, Precision
Construction and Roofing.

They are passionate about their work, and view the staff at Precision as family. In fact, they treat their top earners to vacations to the most pristine destinations in the world. This lovely couple is based out of Texas, where they raise their two beautiful daughters, Kimber and Presley.

Mika is also one of the masterminds behind Grace & Grind; an event designed for women in the restoration industry. When it’s time for the Hunter’s to take a break, they enjoy traveling and tending to their pet giraffes. Our mission is impossible without Board Advisors like the Hunters.

Thank you for your support!

PROSECUTORS CORNER

An update from Dominic Dugo, the head of the APA SIU

Your APA team of retired anti-fraud experts with over 100 years of law enforcement experience are having an impact in protecting consumers from insurer fraud.

Our Consumer Protection Unit (CPU) is actively assisting law
enforcement in Louisiana and Florida on open criminal investigations which can potentially produce monumental changes in how homeowners are treated by insurance companies after they suffer property damage to their homes.

CPU carefully and objectively reviews allegations and facts to present law enforcement with cases that deserve criminal review by government authorities. While this criminal case review is a time-consuming and laborious process, once accomplished, APA will have a tremendous impact nationwide in protecting consumer rights from fraud and abuse. CPU believes that, primarily due to APA, the consumer will see a bright future in making sure homeowner losses are fairly and legally compensated by insurance companies per the policies purchased.

Introducing the APA Whistle Blower Program

The APA believes strongly in the critical role
Insurance plays as a risk management tool that
helps American families recover from a loss
that would otherwise be catastrophic.

We believe that most insurance industry employees are sincere, hard-working professionals who want to help policyholders in the time of need. We also know there are some fraudsters on all sides of the claims process & sometimes honest people are pressured to do things they believed to be unethical or even illegal in order to reduce or deny legitimate claims to Policyholders.

We have created a safe place for those who wish to report potential violations of the law that they’ve witnessed. As an APA member, you can help get the word out to these professionals by adding this whistleblower graphic to your email signature, website, or wherever you feel it will appropriately get the word out.

This graphic was emailed to all members but you can email Megan@apassociation.org for a copy. With the help and support of our members, together we can end insurer fraud.

FRAUD FIGHTING TIP OF THE SEASON

To get your claim paid fairly, you must do your part.

As part of your insurance contract, you have the “Duty To Cooperate” with the insurer’s efforts to investigate and adjust your claim.

Be pleasant and cooperative. Do not interfere with the inspection in any way. Some inspectors will have questions for you. Because of your duty to cooperate, it is best that you answer those questions to the best of your ability.

If you have a representative (attorney, PA, etc.), have them inform the inspector that you are happy to answer questions. The inspector will submit the questions they have to your representative, and it’s your job to answer them thoroughly and in a timely manner.

Where have you seen the APA?

PATH TO INDEMNITY

May 24-26

The Experience

September 6-8

GPS Conference

Oct 4-6

FAPIA LIVE

October 21-23

APA Membership Summit

November 1-3

Don’t forget to use the hashtag #APAOnTheMove when you see us out and about!

A WORD FROM OUR EXECUTIVE DIRECTOR

Doug Quinn

Greetings Fraud Fighters!

The APA team has had an incredibly busy quarter with many opportunities to fulfill our mission. Our phone is ringing off the hook for press interviews, and we are working behind
the scenes, developing and distributing critical research on carrier side abuse of policyholders.

In addition, we have submitted criminal, referrals in Louisiana, Florida,and Alabama. The APA team is also investigating preliminary complaints in several other states.

If you were on April’s quarterly membership update conference call, you were privy to some pretty exciting information that we haven’t released to the public just yet. Stay tuned for more big news!

DID YOU KNOW?

YOU SHOULD BE VIDEO TAPING AND TIMING YOUR INSURANCE INSPECTOR WHILE ON YOUR PROPERTY

Remember that vendors such as adjustors and engineers sent by your insurer are loyal to the insurance company’s interests, because they are the people who write their checks. Videotaping and timing inspections is crucial.

Make sure you see them inspect- or don’t inspect- all damaged areas of property carefully. Make sure you have on record how long they were on the roof, in the crawl space or other damaged areas. It’s best to inform adjusters or engineers in advance that you will be videotaping. Someone that is honest and wants to see the policyholder get a fair claim won’t have a problem with this. This should also be kept on record. Be polite, but firm. Do not get in their way. A professional with nothing to hide will be perfectly fine with this.

ATTENTION

  • Please make sure that you are in the APA Members-only Facebook Group! It is a safe place to talk about industry-related topics with like-minded professionals. We encourage you to start any conversation! This is a secret group, so you must contact Megan@APassociation.org for access.
  • Make sure the APA has your updated information on file! If you’ve changed your email, mailing address, or phone number, please contact Megan@APassociation.org at your earliest convenience.
  • If you have yet to become an APA Member, email Megan@APassociation.org to learn more about the benefits and the change you can make within the insurance industry.
  • As a professional, make sure that your clients how to protect themselves from insurer fraud. Sign them up as an Associate Member of the APA. We have the tools they need to advocate for themselves available for free at APassociation.org.

HAVE YOU SAVED THE DATE?

2023 APA MEMBERSHIP SUMMIT
HAPPENING NOVEMBER 1-3RD IN DALLAS, TX!

The APA Membership Summit is a three-day event with opportunities to learn from our Consumer Protection Unit, Executive Director Doug Quinn,Elected Officials, and APA Board Advisors.

You will also spend time networking with like-minded individuals who believe in and support our mission. Your tickets to this event are included with your membership dues. We are so excited to announce that Professor & Author of Delay,Deny, Defend, Jay Feinman will be speaking at this year’s event! More details will be announced soon, but sponsorship opportunities are available now! Please email morgan@apassociation.org for more information.

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