Joplin Schools
9/11 Over $100 Million	Latex Foam International $50 Million	Hurricanes Charlie, Frances, Ivan, and Jeanne
Carpet Manufacturer Over $100 Million	Wagner Toy Company	Salvatore's Restaurant $1-5 Million
Hurricane Andrew	Flood $1-5 Million	Hurricane Hugo/Marilyn

When you suffer a loss, contact a professional NFA adjuster. Our trained staff includes certified public accountants and legal counsel. NFA will assist you in claims you may have due to fire, water damage, windstorm, explosion or other perils. Seven days a week, NFA is there to serve you. Our estimators compile a detailed inventory and obtain all appropriate data. These field notes are then quickly and accurately processed through NFA's computer center. The computer system is programmed with the most up-to-date pricing to provide you with a thorough and complete claim that will maximize your insurance recovery. We will also determine other insured losses such as business income, rental income, improvements & betterments, extra expenses etc., and make sure all provisions in your policy are fulfilled.

What do NFA Adjusters Do? An NFA adjuster represents those who have sustained an insured loss. NFA handles every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. NFA inspects the loss site immediately, analyzes damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves you, the client. Why do you need NFA? NFA works for you, not the insurance company. NFA adjusters know the insurance business and are familiar with all procedures so they can work quickly to expedite payments. A typical fire policy, for example, contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations required in case of a loss. Most policyholders do not know that the burden of proof is theirs. The highly stressful period following a loss is a difficult time for individuals and organizations. NFA can take those major headaches away and let you get back to business. Why choose NFA? Experience and professionalism. NFA has been in business since 1922 and is the largest public adjusting firm in the United States and Canada. In the past seven decades, NFA has served over 40,000 clients and handled loss adjustment claims worth hundreds of millions of dollars. Clients list NFA in their official disaster plan. When a catastrophe strikes, they call NFA first. National Fire Adjustment Co., Inc. is an accredited member of the National Association of Public Insurance Adjusters (NAPIA) and has two past NAPIA presidents on staff. Will you be kept informed? Yes. Your participation in the process is vital. NFA loss consultants will communicate with you throughout the process and keep you advised of your claim status. NFA is available at all times to answer your questions. This is your claim and you are the final authority. When should you call NFA? Immediately! Your equitable and expeditious settlement can depend on it. A call to NFA assures you that trained professionals are on the job, protecting your interests and informing you of your rights. Remember, we work for you! How Are Staff Adjusters, Independent Adjusters and Public Adjusters Different? Staff Adjusters An employee of an insurance company who serves the interests of his/her employer. Independent Adjuster Self-employed or works for an independent adjusting firm that is retained by several insurance companies on a loss-by-loss basis. Licensed Public Adjuster Retained by you, the policyholder on a loss-by-loss basis. The insurance policy requires that many conditions be met when a claim is made. Your public adjuster serves your interests exclusively when dealing with the insurance company's adjusters.

1922—B.J. Papa founds National Fire Adjustment Co. 1947—Frank R. Papa, B.J.'s son, joins NFA as an adjuster 1965—B.J. Papa retires and Frank becomes president 1967—NFA settles its first $1 million loss 1968—The first NFA branch opens office in Jamestown, N.Y. 1969—Branch offices open in Rochester, Syracuse, Elmira 1974—Ronald J. Papa joins NFA in the Rochester office 1975—NFA is the first adjustment firm to computerize loss estimating procedures 1982—NFA acquires New York Fire Adjustment Corp. 1984—NFA moves to new corporate headquarters at One NFA Park in Amherst, N.Y. 1988—Toronto office opens; NFA now the largest adjustment firm in North America 1993—NFA settles its first $100 million loss 1996—Frank Papa named chairman and Ron Papa president 1996—Ronald J. Papa won the Person of the Year award for National Association of Public Insurance Adjusters. 2000—NFA opens New York City office 2000—Robert H. Deull won the Person of the Year award for National Association of Public Insurance Adjusters. 2001—NFA handled over 100 million dollars worth of losses as a result of the World Trade Center Tragedy. 2001—Niagara University Award for Western New York Business Appreciation 2005—NFA is named the Torch Award winner for marketplace ethics by the Better Business Bureau of NY. 2006—NFA opens Florida office 2008—NFA opens Utica and Albany offices 2009—NFA opens Ottawa / Kingston office

From Modest Beginnings in 1922... NFA is the Largest Public Adjustment Firm in North America Bernard J. Papa was an innovative insurance broker who saw a special need for his clients. Insurance companies had adjusters to handle claims, but the insured did not always have the same resources. Papa felt that his clients were not properly represented when they experienced a loss. That was the concept that, in 1922, started the National Fire Adjustment Co., Inc. During the depression years, Bernard Papa worked with many financial institutions and law firms, as well as other businesses. As these clients grew, so did NFA. Frank R. Papa began working for his father's business after World War II while a student at the University of Buffalo. After completing a law degree, he started full time for NFA in 1951. That same year, his brother-in-law, the late Robert V. Flaglor, came on board. Two of the biggest fires NFA handled in that period included a $300,000 disaster at the Zimmerman Lumber Co. and the German Roman Catholic Orphanage fire, a loss of over $500,000. "They were the biggest losses we had up to then," Frank Papa recalled. Tremendous Growth in the '60s and '70s The sixties and seventies saw tremendous growth for NFA. As the firm expanded, it moved to larger headquarters and expanded its staff. Bernard Papa retired in 1965, turning the business over to son, Frank. NFA opened its first branch office in Jamestown in 1968. The Rochester office began in 1969 followed by Syracuse and Elmira offices. NFA acquired New York Fire Adjustment Corp., another Buffalo-based company, in 1982. The third generation Papa joined the firm in 1974 when Ronald J. joined NFA after graduating from Niagara University. He managed its branch offices for 12 years and returned to corporate headquarters in 1993. He was named president and chief executive officer in 1996. In 1984, NFA moved into its state-of-the-art headquarters at One NFA Park in Amherst, N.Y. Then, in 1988, NFA opened its first Canadian office in Toronto making it the largest public insurance adjusting firm in North America. Leading Innovator An industry pioneer and always arriving to better serve its clients, NFA was the first adjustment company to computerize claims processing. This allowed highly accurate, swift and consistent evaluation of claims. NFA continues to define the industry, using leading edge communications technology that spans the globe. NFA loss consultants can be reached within minutes, wherever they are. NFA has certainly grown in size, scope and reputation since B.J. Papa founded the company more than eight decades ago. Its commitment to the people it serves, however, remains the same -- to assure the most equitable and prompt settlement possible while providing quality service to all its clients.

Frank R. Papa, JD - Chairman

Frank joined the company founded by his father in 1947 as a Licensed Public Adjuster and took over as President of NFA after Bernard J. Papa retired in 1965. Frank has earned an international reputation as a leader in the public adjusting profession and as an expert in property insurance law. He graduated from the University of Buffalo Law School and has a Juris Doctorate degree. He is admitted to practice law in New York and Pennsylvania.

Ronald J. Papa, SPPA - President

Ron has been instrumental in NFA's growth over the past 25 years. He has successfully adjusted more than 2,000 insured losses working for a wide range of clients since 1971. Ron earned the prestigious designation of Senior Professional Public Adjuster and is accredited by the National Association of Public Insurance Adjusters (NAPIA), of which he is past president. He was named Person of the Year by NAPIA in 1996 for “outstanding leadership.” Ron is approved as an instructor by numerous State Insurance Departments, the New York State Bar Association, and the Society of CPAs. He graduated from Niagara University in 1974.

Buffalo, NY One NFA Park Amherst, NY 14228-1187 (716) 689-7700 1-800-777-3333 (716) 689-7768 Fax

Rochester, NY 371 White Spruce Boulevard Rochester, NY 14623-1603 (585) 272-8220 1-800-570-8220 (585) 272-8511 fax

Eric P. Stoerger, Regional VP Patrick M. Donnelly Alden E. Favro III

Peter W. Merle Eric S. Walter

Ann C. Gertner Janine Jackson Sean O'Mara

Syracuse, NY 5850 Court Street Road Syracuse, NY 13206-1703 (315) 437-7400 1-800-999-3333 (315) 437-7428 fax

Dennis E. Niland, SPPA Lisa M. Radio, Mgr David E. Finucane

James Mullaley Rick Recuparo Thomas J. Niland, IV

Stephen S. Bisgrove Charles W. Wason, JD Barbara A. Carson

Potsdam, NY PO Box 429 Potsdam, NY 13676 (315) 265-2686 1-800-999-3333 (315) 265-1814 fax

Frank W. Murphy

Elmira, NY 806 West First Street Elmira, NY 14905-2102 (607) 733-6565 1-800-632-4244 (607) 737-9620 Fax

Bruce R. Erway

Jamestown, NY 567 Fairmount Avenue, W.E. Jamestown, NY 14701-2770 (716) 664-2620 1-800-888-3333 (716) 664-1105 fax

James A. Shephard William J. Troy Ryan C. Adams

Utica, NY 22 Elizabeth Street Utica, NY 13501 315-732-5500 315-266-1373 Fax

Robert Sisti

Erie, PA 828 Oakmont Ave. Erie, PA 16505 (814) 453-5698 1-800-888-3333

Ryan C. Adams

New York, NY 1251 Avenue of the Americas New York, NY 10020-1182 (212) 285-2844 1-800-777-3333 (212) 278-1733 Fax

Nat J. Piro, Manager Katherine M. Papa David R. Charles

Toronto, Ontario 1100 South Service Road, Suite 222 Stoney Creek, Ontario L8E 0C5 (905) 602-8787 1-800-790-2622 (905) 602-8363 Fax

David D. LeBlanc, Mgr. Frank Fini

Rod Hammond George Milnes Kelly Gilbert

Colin Poag Kevin T. Watson Eugene Savaia

Ottawa / Kingston, Ontario P.O. Box 27036 CDO Gardiners Kingston, ON, Canada K7M 8W5 (905) 602-8787 1-800-790-2622

David D. LeBlanc

Fort Myers, FL 8522 Sumner Avenue Fort Myers, FL 33908 1-800-888-3333

James A. Shephard, Mgr.

West Palm Beach, FL 580 Village Blvd., Suite 150West Palm Beach, FL 33409 1-800-777-3333

Frank R. Papa, JD

Stamford, CT 1055 Washington Blvd. Suite 510 Stamford, CT 06901-2219 1-800-777-3333 (203) 724-9996 Fax

Ronald Papa

Massapequa, NY 17 Ford Drive West Massapequa, NY 11758 (716) 609-8002 1-800-777-3333 (716) 689-7768 Fax

Katherine M. Papa

Nashville, TN 5607 Sheep Bluff Road Cookeville, TN 38506 1-800-777-3333 (716) 689-7768 Fax

Donald R. Powers

Articles

Insured Get More Rights In Dispute Over Claims, Appraisals Extend To Policyholders - Business Today Business Income Insurance: Having & Understanding This Coverage Can Be Essential to a Company’s Survival! - Business Income The Replacement Cost Claim: It's Just Like Any Other. Or Is It? Public Insurance Adjusters - Money Magazine Amherst Adjusters Speed Claims at Ground Zero - Buffalo News (Adobe Acrobat (.pdf file) National Fire Adjustment Co. Obtains Maximum For Claims - Amherst Bee How To Get The Most From Your Property Insurance - ACV & RCV These Adjusters Work For You - Democrat & Chronicle

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