Contractor agrees to the Iowa Consent Order regarding unlicensed public adjustment

The Iowa Division of Insurance entered into a consent order with a Midwest roofing contractor on Sept. 5, following a June cease-and-desist order against contractors acting as unlicensed public adjusters.

The IID alleges that AmeriPro Roofing solicited business from residents of Greenfield, Iowa following a May 2024 storm by representing themselves to potential customers as contractors for repairs and providing public adjustment services in the state of Iowa.

At least one AmeriPro employee provided Greenfield customers and potential customers with an AmeriPro Roofing Contract that created the impression that AmeriPro would provide public adjustment services and was legally authorized to do so.

In Iowa, a contractor who is not licensed as a public adjuster is prohibited by law from advertising or otherwise offering to negotiate with the insurance company.

AmeriPro has agreed to make changes to its contracts, website and advertisements to bring them into compliance. The Illinois company also agreed that its staff and representatives will no longer offer to assist customers in negotiating claims with their insurance company.

AmeriPro was one of four contractors that received a cease and desist letter after the May 21 storm that hit Greenfield. The storm produced an EF-4 tornado that hit Greenfield with maximum winds of 185 miles per hour, according to NASA’s Earth Observatory.

Iowa Deputy Commissioner Jay Kirby warned that “unlicensed storm chasers may attempt to create expectations about settlement values ​​or the scope of repairs that do not align with insurance policy language, which can cause delays in claims resolution and additional costs for consumers”.

IID alleges that AmeriPro posted offers and statements on its website creating the impression that it was offering public adjustment services. A webpage has provided customers with a detailed 10-step guide to making an insurance claim.

An AmeriPro employee has called at least one Iowa customer to his door, offering to initiate and handle the customer’s insurance claim. The customer has entered into an AmeriPro Roofing Contract, the terms of which allow AmeriPro to negotiate the claim on the customer’s behalf.

The AmeriPro website includes several disclaimers stating that they do not provide or contract for public adjusting services. IID said these disclaimers demonstrate that AmeriPro is aware that they are not legally authorized to offer or provide public adjustment services.

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Iowa Contractors