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Disclaimer and terms of use
This applies to every page on this site, including the state guides, the reference tables, the guides, the templates and the document library. If any of it gives you pause, please stop and speak to a licensed professional instead.
- It comes from the public record, not from us
- Everything here is gathered from government and other official public sources: statutes, administrative codes, regulator websites, department bulletins and published industry standards. We collect it and link to it. We do not write the law, and we are not the authority on it.
- We are not affiliated with anyone
- PublicAdjust.ing is independent. We are not affiliated with, endorsed by, or acting on behalf of any government agency, insurance department, regulator, insurance carrier, trade association or licensing body. Names and links appear only to identify the source of a document.
- Educational only, not legal or claims advice
- This site is published for general education. Nothing on it is legal advice, claims advice, coverage advice, or a professional opinion about any policy, claim or situation, and reading it creates no attorney-client or professional relationship. For advice on an actual claim, speak to a licensed professional in the relevant state.
- Rules change, sometimes overnight
- Statutes are amended, regulations are replaced, fees and deadlines move, and a rule that was accurate when a page was written may be wrong today. Pages carry the date the material was gathered, but that date is not a promise that it is still current, complete or correct.
- Check the source before you rely on anything
- Treat every page here as a starting point and a set of pointers, never as the final word. The controlling authority is the insurance policy itself, the statute or regulation as published by the state, and the regulator or licensed professional who can speak to your facts. Follow the links and read the original.
No warranty of any kind
This site and everything on it is provided "as is" and "as available", without warranty of any kind, express or implied, including any implied warranty of accuracy, completeness, currency, merchantability or fitness for a particular purpose. We do not warrant that any page is free of error or omission, that a document we link to still says what it said when we linked to it, or that the site will be available or uninterrupted.
Limitation of liability
To the fullest extent permitted by law, PublicAdjust.ing and the people behind it are not liable for any loss or damage of any kind, including lost claims, lost revenue, missed deadlines, licensing consequences, or any direct, indirect, incidental, consequential or punitive damages, arising out of or relating to your use of, or reliance on, anything published here. You use this site, and any decision you make after reading it, at your own risk and on your own professional judgement.
Your professional responsibility
If you are a licensed or prospective public adjuster, you remain solely responsible for knowing and following the law, regulations and licence conditions that apply to you, in every state where you work. Nothing on this site reduces, satisfies or substitutes for that obligation, and nothing here should be quoted to a client, a carrier or a regulator as authority for anything. Cite the statute, not us.
Third-party material and links
Documents reproduced or linked here remain the work of their authors and publishers, most of them government bodies. Government edicts such as statutes and regulations are generally not subject to copyright, and we reproduce official material to make it findable, with attribution and a link to the original. Links to outside sites are provided for convenience and are not an endorsement; we do not control them and are not responsible for their content. If you hold rights in something published here and would like it corrected, attributed differently or removed, please get in touch.
Corrections
We would genuinely rather be corrected than be wrong. If you find something on this site that is out of date, incomplete or mistaken, especially a rule that has changed, please tell us so we can fix it or take it down. That is also why every page points at its sources: so you never have to take our word for it.