Public Adjuster Licensing & Fee Caps - All 50 States + DC

Purpose: Quick reference for PA licensing requirements, fee caps, bonds, and contract/solicitation restrictions Last Updated: August 2026 (verified against statute and regulation text)

Important Notes

Fee caps are statutory or regulatory maximums - contracts can specify lower amounts
Emergency/Catastrophe caps apply only to claims arising from a declared catastrophic disaster or emergency, as defined by each state
Bond requirements protect consumers against PA misconduct; several states set no statutory bond
Policy-limits rules (NAIC model act style) bar a percentage fee when the insurer pays or commits to policy limits within a short window after the loss is reported
Always verify current law - licensing requirements change frequently

Verification: Every row of the master table links to the primary source that was checked (state statute, administrative code, or regulator page) in the Source column. Fields marked "Not verified" could not be confirmed from an official text during the August 2026 review and should be confirmed with the state regulator before reliance. Footnoted rows carry a regulator-specific caveat.

Licensing Status Legend

Status	Description
REQUIRED	State license mandatory to practice
NOT REQUIRED	No state public adjuster license exists
PROHIBITED	Public adjusting is not permitted

Master Public Adjuster Table

State	License	Fee Cap (Standard)	Fee Cap (Emergency)	Bond	Solicitation Restriction	Client Cancellation Right	Policy-Limits Rule	Key Statute	Source
Alabama[^AL]	NOT REQUIRED	—	—	—	—	—	—	—	AL source
Alaska[^AK]	NOT REQUIRED	—	—	—	—	—	—	—	AK source
Arizona[^AZ]	REQUIRED	—	—	—	None found in statute (A.R.S. art. 20-321)	None found in statute (A.R.S. art. 20-321)	None found in statute (A.R.S. art. 20-321)	A.R.S. §§ 20-321, 20-321.01	AZ source
Arkansas[^AR]	PROHIBITED	—	—	—	—	—	—	Ark. Code §§ 23-64-102, 23-64-201	AR source
California[^CA]	REQUIRED	—	—	$20,000	No 6pm–8am; none during loss occurrence; 7-day bar after catastrophe (residential)	3 business days; 5 days after catastrophe	None; no fee on pre-contract payments	Cal. Ins. Code § 15000 et seq. (bond § 15011; fees § 15027)	CA source
Colorado	REQUIRED	—	10% of settlement proceeds in a catastrophic disaster	$20,000	None during loss-producing occurrence	72 hrs	None found in statute (C.R.S. § 10-2-417)	C.R.S. § 10-2-417	CO source
Connecticut[^CT]	REQUIRED	10% of the final settlement	—	—	No 8pm–8am (contract void if violated)	Midnight of 4th calendar day	No fee if full limits offered within 30 days (fire policy)	CGS §§ 38a-723 to 38a-726; Conn. Agencies Regs. § 38a-788-8	CT source
Delaware	REQUIRED	2.5% of the first $25,000, then up to 12%	—	$20,000	None during loss-producing occurrence	3 business days	None found in statute (18 Del. C. ch. 17A)	18 Del. C. ch. 17A (bond § 1752; fees § 1756)	DE source
District of Columbia	REQUIRED	10% of the total insurance recovery	—	$20,000	None during loss-producing occurrence	3 business days	None found in statute (D.C. Code § 31-1631.08)	D.C. Code § 31-1631.01 et seq.	DC source
Florida	REQUIRED	20% of claim payments	10% for one year after the declaration	$50,000	Mon–Sat 8am–8pm only	10 days; in emergency 30 days from loss or 10 from signing, whichever longer	1% cap if limits paid within 14 days of loss / 10 days of contract	Fla. Stat. § 626.854	FL source
Georgia[^GA]	REQUIRED	—	—	$5,000	None during loss-producing occurrence	3 business days	3 business days → time-and-expense fee only	O.C.G.A. § 33-23-43 et seq.; Ga. Comp. R. & Regs. 120-2-3	GA source
Hawaii	REQUIRED	—	—	$10,000	None found in statute (HRS ch. 431 art. 9)	None found in statute (HRS ch. 431 art. 9)	None found in statute (HRS ch. 431 art. 9)	HRS §§ 431:9-201, 431:9-222, 431:9-223	HI source
Idaho	REQUIRED	—	—	$20,000 bond or letter of credit	None during loss-producing occurrence	3 business days	72 hrs → time & expense only	Idaho Code § 41-5801 et seq. (bond § 41-5812)	ID source
Illinois	REQUIRED	10% on personal-residence claims	—	$50,000 (215 ILCS 5/1560)	None during loss / fire dept on scene; no 7pm–8am	5 business days after insurer receives contract	5 business days → no percentage fee	215 ILCS 5/1570	IL source
Indiana	REQUIRED	—	—	$10,000	None found in statute (IC 27-1-27)	None found in statute (IC 27-1-27)	None found in statute (IC 27-1-27)	IC 27-1-27	IN source
Iowa	REQUIRED	15% of insurer-approved claim payments	10% for catastrophic-disaster claims	$50,000	72-hr bar after catastrophe; no 8pm–9am (incl. door-to-door)	3 business days (via ch. 555A)	5 calendar days → time & expense only	Iowa Code ch. 522C (bond § 522C.7; fees § 522C.10)	IA source
Kansas[^KS]	REQUIRED	—	—	Amount set by the Commissioner	None during loss-producing occurrence	3 business days	72 hrs → time & expense only	K.S.A. 40-5501 et seq.	KS source
Kentucky	REQUIRED	10% of settlement proceeds received by the insured (contracts from July 15, 2026)	—	$50,000	No use of contractors/others to solicit; no time rule	5 business days; 10 days under declared emergency (from 7/15/2026)	Limits paid before contract or rescission end → time & expense only	KRS 304.9-430, 304.9-433, 304.9-4333	KY source
Louisiana	REQUIRED	10% of the claim, all coverages combined	—	$50,000	None during loss-producing occurrence	3 business days	72 hrs → time & expense only	La. R.S. 22:1703–1704	LA source
Maine[^ME]	REQUIRED	—	—	—	No contract offer for 36 hrs after loss	2 business days	None found in statute (24-A M.R.S. § 1476)	24-A M.R.S. ch. 16	ME source
Maryland[^MD]	REQUIRED	—	—	—	No 8pm–8am	10 business days	72 hrs → time & expense only	Md. Code, Ins. §§ 10-401 to 10-415; COMAR 31.03.18	MD source
Massachusetts[^MA]	REQUIRED	—	—	—	None found in statute (MGL c. 175 § 172; 211 CMR 92 not reviewed)	3 calendar days	None found in statute (MGL c. 175 § 172; 211 CMR 92 not reviewed)	MGL c. 175 § 172	MA source
Michigan[^MI]	REQUIRED	10% of the amount the insurer pays in settlement	—	—	Must identify as insured's adjuster and leave rate card	10 days if signed within 48 hrs of loss	None found in statute (MCL 500.1222–500.1228)	MCL 500.1222–500.1228	MI source
Minnesota	REQUIRED	—	—	$10,000	No 8pm–8am; no soliciting insureds already represented	72 hrs	None found in statute (Minn. Stat. § 72B.135)	Minn. Stat. ch. 72B (bond § 72B.041)	MN source
Mississippi	REQUIRED	10% of settlement proceeds	—	$50,000	None found in statute (§ 83-17-523; commissioner may regulate by rule, § 83-17-527)	5 business days	None found in statute (§ 83-17-523)	Miss. Code § 83-17-501 et seq.	MS source
Missouri[^MO]	REQUIRED	—	—	$10,000 plus $1,000 per employee adjuster or solicitor	None found in statute (RSMo ch. 325)	3 business days	None found in statute (RSMo ch. 325)	RSMo §§ 325.010–325.055	MO source
Montana	REQUIRED	—	—	$5,000	None during loss-producing occurrence	Not verified	72 hrs → no percentage fee	MCA §§ 33-17-301 to 33-17-303; ARM 6.6.1611	MT source
Nebraska[^NE]	REQUIRED	—	—	$20,000	None during loss-producing occurrence	3 business days	72 hrs → time & expense only	Neb. Rev. Stat. §§ 44-9201 to 44-9219	NE source
Nevada	REQUIRED	—	—	—	None found in statute or regulation (NRS/NAC ch. 684A)	None found in statute or regulation (NRS/NAC ch. 684A)	None found in statute or regulation (NRS/NAC ch. 684A)	NRS and NAC ch. 684A	NV source
New Hampshire	REQUIRED	—	—	$20,000	None during loss-producing occurrence	3 business days	None found in statute (RSA ch. 402-D)	RSA ch. 402-D	NH source
New Jersey[^NJ]	REQUIRED	—	—	$10,000	No 6pm–8am during first 24 hrs after loss	No statutory period	None found in regulation (N.J.A.C. 11:1-37.13)	N.J.S.A. 17:22B-1 et seq.; N.J.A.C. 11:1-37	NJ source
New Mexico	REQUIRED	—	10% in a declared catastrophic disaster	$10,000 (13.4.8.11 NMAC; NMSA § 59A-13-5)	None during loss-producing occurrence	3 business days	72 hrs → time & expense only	13.4.8 NMAC	NM source
New York	REQUIRED	12.5% of the recovery	—	$1,000 (Ins. Law § 2108(l))	No 6pm–8am	3 business days	None found in regulation (11 NYCRR pt. 25)	11 NYCRR 25.7	NY source
North Carolina	REQUIRED	—	10% of settlement for catastrophic-incident claims	$20,000	None during loss occurrence; no 9pm–9am	3 business days	72 hrs → time & expense only	N.C.G.S. ch. 58, art. 33A	NC source
North Dakota	REQUIRED	—	under 10% of settlement for catastrophic-disaster claims	$20,000	None during loss-producing occurrence	3 business days after claim submitted	3 days → time & expense only	N.D. Cent. Code ch. 26.1-26.8	ND source
Ohio	REQUIRED	—	—	$1,000 per person named in the application	None during fire / fire dept on scene	None found	None found	Ohio Rev. Code ch. 3951	OH source
Oklahoma	REQUIRED	—	—	$25,000	None during loss-producing occurrence	3 business days	72 hrs (per coverage) → time & expense only	36 O.S. § 6201 et seq. (bond § 6214)	OK source
Oregon[^OR]	REQUIRED	—	—	—	None during loss occurrence; no damage claims before inspection	3 business days	72 hrs → time & expense only	ORS 744.505, 744.521; OAR 836-071-1100 et seq.	OR source
Pennsylvania[^PA]	REQUIRED	—	—	$20,000	None during loss-producing occurrence	3 calendar days (statute); 4th-day midnight (reg.)	None found	63 P.S. §§ 1601–1608; 31 Pa. Code ch. 115	PA source
Rhode Island	REQUIRED	—	10% of settlement in a declared catastrophic disaster	—	None during loss-producing occurrence	3 business days	72 hrs (per coverage) → time & expense only	R.I. Gen. Laws ch. 27-10; 230-RICR-20-50-4	RI source
South Carolina[^SC]	REQUIRED	—	—	$20,000 bond or letter of credit	None during loss occurrence; no damage claims before inspection	5 business days	5 business days → time & expense only (≤10%)	S.C. Code Title 38, ch. 92 (Act 209 of 2026)	SC source
South Dakota[^SD]	NOT REQUIRED	—	—	—	None (no PA statute)	None (no PA statute)	None (no PA statute)	—	SD source
Tennessee	REQUIRED	—	—	$50,000, plus $500,000 E&O coverage	None for 2 days after loss, no contract for 5; 7 days after catastrophe (non-commercial)	3 business days	72 hrs → time & expense only	Tenn. Code Ann. §§ 56-6-901 to 56-6-920	TN source
Texas	REQUIRED	10% of the settlement	—	$10,000 (28 TAC § 19.705; Ins. Code § 4102.105)	None during disaster occurrence; 9am–9pm Mon–Sat, noon–9pm Sun	72 hrs	72 hrs → time & expense only	Tex. Ins. Code ch. 4102	TX source
Utah[^UT]	REQUIRED	—	—	—	None found	10 days (unless settlement already effected)	None found (contingent pay restricted, § 31A-26-310)	Utah Code §§ 31A-26-201, 31A-26-310 to 31A-26-312	UT source
Vermont	REQUIRED	—	—	—	None found	None found	None found	8 V.S.A. §§ 4791, 4803	VT source
Virginia	REQUIRED	—	10% in a declared catastrophic disaster	$50,000	None during loss occurrence; no 8pm–8am	3 business days; 5 after catastrophe	72 hrs → time & expense only	Va. Code § 38.2-1845.1 et seq.	VA source
Washington	REQUIRED	—	—	$5,000	None found	None found	None found	RCW 48.17.380, 48.17.430	WA source
West Virginia	REQUIRED	—	10% of settlement in a catastrophe	—	None during loss / fire dept on scene	3 business days; 10 days if signed within 48 hrs of loss	72 hrs → time & expense only	W. Va. Code § 33-12B-1 et seq.; 114 CSR 25	WV source
Wisconsin	REQUIRED	—	10% of the recovery for catastrophic-disaster claims	$20,000	None during loss occurrence; 9am–8pm only in first 24 hrs	5 business days	5 business days → hourly rate only	Wis. Stat. ch. 629	WI source
Wyoming	REQUIRED	—	—	—	None found	None found	None found	W.S. § 26-9-202; Wyoming DOI public adjuster license	WY source

Footnotes

[^AL]: The Alabama Department of Insurance states it does not license or recognize public adjusters; Ala. Code ch. 27-9A governs independent (insurer-side) adjusters. [^AK]: Alaska issues no public adjuster license; the Division of Insurance cautions that public adjusting may constitute the practice of law. [^AZ]: Arizona has no separate public adjuster license; anyone adjusting for an insured must hold the Arizona adjuster license. No bond or fee cap is set by statute. [^AR]: Arkansas defines adjusters as acting for the insurer and offers no public adjuster license; the Department states public adjusters are prohibited from adjusting claims. [^CA]: No percentage cap, but § 15027 bars fees on amounts the insurer paid before the contract was signed. [^CT]: No fee at all if the insurer offers full policy limits in writing within 30 days of a fire-policy structure loss. [^GA]: Contracts must use a form approved by the Commissioner. [^KS]: No percentage fee if the insurer pays policy limits within 72 hours. [^ME]: Maine issues one adjuster license and does not distinguish public from independent adjusters. No bond or fee cap. [^MD]: No percentage fee if the insurer pays or commits to policy limits within 72 hours; 24 CE hours per two-year term. [^MA]: Written contract with a three-day cancellation right; no statutory bond or percentage cap. [^MI]: Contracts must be on a DIFS-approved form. [^MO]: Three-business-day cancellation right. [^NE]: Time-based compensation only if the insurer pays policy limits within 72 hours. [^NJ]: Fees must be reasonably related to the services rendered. [^OR]: Time-based compensation only if the insurer pays policy limits within 72 hours. [^PA]: No percentage cap; the fee must be stated in an approved written contract. [^SC]: Chapter 92 replaced the former chapter 48 in May 2026. [^SD]: South Dakota does not license property and casualty adjusters of any kind. [^UT]: Compensation tied to amounts paid to the insured is restricted except as the Commissioner allows by rule.

States WITHOUT Public Adjuster Licensing

State	Status	Basis
Alabama	NOT REQUIRED	The Alabama Department of Insurance states it does not license or recognize public adjusters; Ala. Code ch. 27-9A governs independent (insurer-side) adjusters.
Alaska	NOT REQUIRED	Alaska issues no public adjuster license; the Division of Insurance cautions that public adjusting may constitute the practice of law.
Arkansas	PROHIBITED	Arkansas defines adjusters as acting for the insurer and offers no public adjuster license; the Department states public adjusters are prohibited from adjusting claims.
South Dakota	NOT REQUIRED	South Dakota does not license property and casualty adjusters of any kind.

Every other state and DC (47 jurisdictions) requires a license. Idaho, North Dakota, Vermont and Wyoming were previously listed here in error; each has a public adjuster license (Idaho Code ch. 41-58; N.D.C.C. ch. 26.1-26.8; 8 V.S.A. §§ 4791, 4803; W.S. § 26-9-202).

States with Statutory Fee Caps

State	Scope	Cap	Statute
Colorado	Emergency / catastrophe	10% of settlement proceeds in a catastrophic disaster	C.R.S. § 10-2-417
Connecticut	Standard	10% of the final settlement	CGS §§ 38a-723 to 38a-726; Conn. Agencies Regs. § 38a-788-8
Delaware	Standard	2.5% of the first $25,000, then up to 12%	18 Del. C. ch. 17A (bond § 1752; fees § 1756)
District of Columbia	Standard	10% of the total insurance recovery	D.C. Code § 31-1631.01 et seq.
Florida	Standard	20% of claim payments	Fla. Stat. § 626.854
Florida	Emergency / catastrophe	10% for one year after the declaration	Fla. Stat. § 626.854
Illinois	Standard	10% on personal-residence claims	215 ILCS 5/1570
Iowa	Standard	15% of insurer-approved claim payments	Iowa Code ch. 522C (bond § 522C.7; fees § 522C.10)
Iowa	Emergency / catastrophe	10% for catastrophic-disaster claims	Iowa Code ch. 522C (bond § 522C.7; fees § 522C.10)
Kentucky	Standard	10% of settlement proceeds received by the insured (contracts from July 15, 2026)	KRS 304.9-430, 304.9-433, 304.9-4333
Louisiana	Standard	10% of the claim, all coverages combined	La. R.S. 22:1703–1704
Michigan	Standard	10% of the amount the insurer pays in settlement	MCL 500.1222–500.1228
Mississippi	Standard	10% of settlement proceeds	Miss. Code § 83-17-501 et seq.
New Mexico	Emergency / catastrophe	10% in a declared catastrophic disaster	13.4.8 NMAC
New York	Standard	12.5% of the recovery	11 NYCRR 25.7
North Carolina	Emergency / catastrophe	10% of settlement for catastrophic-incident claims	N.C.G.S. ch. 58, art. 33A
North Dakota	Emergency / catastrophe	under 10% of settlement for catastrophic-disaster claims	N.D. Cent. Code ch. 26.1-26.8
Rhode Island	Emergency / catastrophe	10% of settlement in a declared catastrophic disaster	R.I. Gen. Laws ch. 27-10; 230-RICR-20-50-4
Texas	Standard	10% of the settlement	Tex. Ins. Code ch. 4102
Virginia	Emergency / catastrophe	10% in a declared catastrophic disaster	Va. Code § 38.2-1845.1 et seq.
West Virginia	Emergency / catastrophe	10% of settlement in a catastrophe	W. Va. Code § 33-12B-1 et seq.; 114 CSR 25
Wisconsin	Emergency / catastrophe	10% of the recovery for catastrophic-disaster claims	Wis. Stat. ch. 629

Additional verified fee rules:

Florida: fee drops to 1% when the insurer pays or agrees in writing to pay policy limits within 14 days of the loss or 10 days of contract execution (F.S. § 626.854(11)(b)3.)
New York: up to 20% on a supplemental claim is permitted if the aggregate fee stays at or below 12.5% (11 NYCRR 25.7)
Connecticut: no fee if the insurer offers full policy limits in writing within 30 days of a fire-policy structure loss (CGS § 38a-726)
Kansas: no percentage cap; K.S.A. 40-5514 requires the percentage to be stated in the contract
South Carolina: time-and-expense compensation under the 5-business-day policy-limits rule is itself capped at 10% (S.C. Code § 38-92-130(C))

Bond Requirements

Bond	States
$20,000	California, Colorado, Delaware, District of Columbia, Nebraska, New Hampshire, North Carolina, North Dakota, Pennsylvania, Wisconsin
$50,000	Florida, Illinois, Iowa, Kentucky, Louisiana, Mississippi, Virginia
$5,000	Georgia, Montana, Washington
$10,000	Hawaii, Indiana, Minnesota, New Jersey, New Mexico, Texas
$20,000 bond or letter of credit	Idaho, South Carolina
Amount set by the Commissioner	Kansas
$10,000 plus $1,000 per employee adjuster or solicitor	Missouri
$25,000	Oklahoma
$1,000 per person named in the application	Ohio
$1,000	New York
$50,000, plus $500,000 E&O coverage	Tennessee
No statutory bond found	Arizona, Connecticut, Maine, Maryland, Massachusetts, Michigan, Nevada, Oregon, Rhode Island, Utah, Vermont, West Virginia, Wyoming

Unlicensed or prohibited jurisdictions (AL, AK, AR, SD) have no bond requirement.

Solicitation Restrictions

State	Restriction	Authority
California	No 6pm–8am; none during loss occurrence; 7-day bar after catastrophe (residential)	Cal. Ins. Code §§ 15027(d)-(e), 15027.1
Colorado	None during loss-producing occurrence	C.R.S. § 10-2-417(6)(b)
Connecticut	No 8pm–8am (contract void if violated)	CGS § 38a-724(b)
Delaware	None during loss-producing occurrence	18 Del. C. § 1756(c)
District of Columbia	None during loss-producing occurrence	D.C. Code § 31-1631.08
Florida	Mon–Sat 8am–8pm only	F.S. § 626.854(5)
Georgia	None during loss-producing occurrence	O.C.G.A. § 33-23-43(c)(6)
Idaho	None during loss-producing occurrence	Idaho Code § 41-5818(2)
Illinois	None during loss / fire dept on scene; no 7pm–8am	215 ILCS 5/1590
Iowa	72-hr bar after catastrophe; no 8pm–9am (incl. door-to-door)	Iowa Code § 522C.11(2)-(3)
Kansas	None during loss-producing occurrence	K.S.A. 40-5516(b)
Kentucky	No use of contractors/others to solicit; no time rule	KRS 304.9-4331
Louisiana	None during loss-producing occurrence	La. R.S. 22:1706
Maine	No contract offer for 36 hrs after loss	24-A M.R.S. § 1476
Maryland	No 8pm–8am	Md. Code, Ins. § 10-411
Michigan	Must identify as insured's adjuster and leave rate card	MCL 500.1226
Minnesota	No 8pm–8am; no soliciting insureds already represented	Minn. Stat. § 72B.135
Montana	None during loss-producing occurrence	MCA § 33-17-303
Nebraska	None during loss-producing occurrence	Neb. Rev. Stat. § 44-9217
New Hampshire	None during loss-producing occurrence	RSA 402-D:17
New Jersey	No 6pm–8am during first 24 hrs after loss	N.J.S.A. 17:22B-13; N.J.A.C. 11:1-37.13
New Mexico	None during loss-producing occurrence	NMSA § 59A-13-14
New York	No 6pm–8am	11 NYCRR 25.3
North Carolina	None during loss occurrence; no 9pm–9am	G.S. 58-33A-80
North Dakota	None during loss-producing occurrence	N.D.C.C. § 26.1-26.8-15(2)
Ohio	None during fire / fire dept on scene	OAC 3901-1-24(C)(2)
Oklahoma	None during loss-producing occurrence	36 O.S. § 6223(H)
Oregon	None during loss occurrence; no damage claims before inspection	OAR 836-071-1185
Pennsylvania	None during loss-producing occurrence	63 P.S. § 1606(a)(19)
Rhode Island	None during loss-producing occurrence	230-RICR-20-50-4.12(A)(16)
South Carolina	None during loss occurrence; no damage claims before inspection	S.C. Code § 38-92-170(C)-(E)
Tennessee	None for 2 days after loss, no contract for 5; 7 days after catastrophe (non-commercial)	Tenn. Code § 56-6-917(b)
Texas	None during disaster occurrence; 9am–9pm Mon–Sat, noon–9pm Sun	Tex. Ins. Code §§ 4102.151-.152
Virginia	None during loss occurrence; no 8pm–8am	Va. Code § 38.2-1845.12(M)-(N)
West Virginia	None during loss / fire dept on scene	114 CSR 25 §§ 10.1.b, 15.1
Wisconsin	None during loss occurrence; 9am–8pm only in first 24 hrs	Wis. Stat. § 629.10(1), (6)

No PA-specific solicitation rule was found in Arizona, Hawaii, Indiana, Massachusetts (MGL c. 175 § 172; 211 CMR 92 not reviewed), Mississippi (commissioner may regulate solicitation by rule, § 83-17-527), Missouri, Nevada, Utah, Vermont, Washington or Wyoming. Louisiana and New Mexico have no 72-hour solicitation wait; their 72-hour provisions are policy-limits fee rules. Alabama does not license public adjusters and has no solicitation rule.

Contract Rescission Periods

State	Cancellation Right	Authority
California	3 business days; 5 days after catastrophe	Cal. Ins. Code § 15027(f), (y)
Colorado	72 hrs	C.R.S. § 10-2-417(6)(i)(IV)
Connecticut	Midnight of 4th calendar day	CGS § 38a-724(a)
Delaware	3 business days	18 Del. C. § 1756(b)(1)
District of Columbia	3 business days	D.C. Code § 31-1631.08
Florida	10 days; in emergency 30 days from loss or 10 from signing, whichever longer	F.S. § 626.854(7), (12)(b)
Georgia	3 business days	O.C.G.A. § 33-23-43.2(d)
Idaho	3 business days	Idaho Code § 41-5815(10)
Illinois	5 business days after insurer receives contract	215 ILCS 5/1575
Iowa	3 business days (via ch. 555A)	Iowa Code § 522C.10(1)(a)(14)
Kansas	3 business days	K.S.A. 40-5514(i)
Kentucky	5 business days; 10 days under declared emergency (from 7/15/2026)	KRS 304.9-433(8)
Louisiana	3 business days	La. R.S. 22:1704
Maine	2 business days	24-A M.R.S. § 1476
Maryland	10 business days	Md. Code, Ins. § 10-411
Massachusetts	3 calendar days	MGL c. 175 § 172
Michigan	10 days after execution, if contract signed within 48 hrs after conclusion of loss-producing occurrence	MCL 500.1226(4)
Minnesota	72 hrs	Minn. Stat. § 72B.135
Mississippi	At least 5 business days	Miss. Code § 83-17-523(1)(d)
Missouri	3 business days	RSMo § 325.050
Nebraska	3 business days	Neb. Rev. Stat. § 44-9214
New Hampshire	3 business days	RSA 402-D:13
New Jersey	No statutory period	N.J.A.C. 11:1-37.13
New Mexico	3 business days	NMSA § 59A-13-15
New York	3 business days	11 NYCRR 25.8-25.9
North Carolina	3 business days	G.S. 58-33A-65
North Dakota	3 business days after claim submitted	N.D.C.C. § 26.1-26.8-13(12)
Oklahoma	3 business days	36 O.S. § 6216.2
Oregon	3 business days	OAR 836-071-1165(8)
Pennsylvania	3 calendar days (statute); 4th-day midnight (reg.)	63 P.S. § 1605; 31 Pa. Code § 115.2
Rhode Island	3 business days	230-RICR-20-50-4.12(A)(11)
South Carolina	5 business days	S.C. Code § 38-92-130(I)
Tennessee	3 business days	Tenn. Code § 56-6-914(h)
Texas	72 hrs	Tex. Ins. Code § 4102.103(b)
Utah	10 days (unless settlement already effected)	Utah Code § 31A-26-311
Virginia	3 business days; 5 after catastrophe	Va. Code § 38.2-1845.13(A)(12)
West Virginia	3 business days; 10 days if signed within 48 hrs of loss	114 CSR 25 §§ 11.6, 15.4
Wisconsin	5 business days	Wis. Stat. § 629.04

No statutory cancellation period was found in Arizona, Hawaii, Indiana, Nevada, Ohio, Vermont, Washington or Wyoming. Not verified: Montana.

Examination & Continuing Education

Verified values only. States absent from this table could not be confirmed from official text.

State	Exam Required	Continuing Education
Arizona	Yes	None found (A.R.S. § 20-2901 CE article applies to producers only)
California	Yes	24 hrs / 2 yrs incl. 3 ethics (Ins. Code § 15059.1)
Delaware	Yes	Required (same as adjusters; hours not stated)
District of Columbia	Yes	Not verified
Florida	Yes	24 hrs / 2 yrs
Georgia	Yes	24 hrs / 2 yrs incl. 3 ethics
Hawaii	Yes	Not verified
Idaho	Yes	24 hrs / 2 yrs incl. 3 law/ethics
Illinois	Yes	24 hrs / 2 yrs incl. 3 ethics
Indiana	Yes	None found in statute (IC 27-1-27)
Iowa	Yes	Required; hours set by rule
Kansas	Yes	18 hrs / 2 yrs incl. 3 ethics (K.S.A. 40-5512)
Kentucky	Yes	24 hrs / 2 yrs incl. 3 ethics
Louisiana	Not verified	24 hrs / 2 yrs incl. ethics + 2 legislative
Maine	Yes	None (Bureau of Insurance: adjusters not required to complete CE)
Maryland	Yes	24 hrs / 2 yrs incl. 3 ethics
Massachusetts	Yes	15 hrs / 3-yr license term (MGL c. 175 § 172)
Michigan	Discretionary (commissioner may examine, MCL 500.1224(2))	None found (MCL 500.1204c applies to producers)
Minnesota	Yes	24 hrs / 2 yrs incl. 3 ethics
Mississippi	Yes	12 hrs if licensed ≤18 months; then 24 hrs incl. 3 ethics
Missouri	Yes	None found in statute (RSMo ch. 325)
Montana	Yes	24 hrs / 24 months incl. 3 ethics + 1 MT law
Nebraska	Yes	24 credits / 2 yrs incl. 3 ethics (Neb. Rev. Stat. § 44-9213)
Nevada	Yes	24 hrs incl. 3 ethics per renewal period
New Hampshire	Yes	15 hrs / 2 yrs incl. 3 ethics
New Jersey	Yes	15 hrs / 2 yrs
New Mexico	Yes	Not verified
New York	Yes	15 hrs / 2 yrs
North Carolina	Yes	24 hrs / 2 yrs incl. ethics
North Dakota	Yes	24 hrs / 2 yrs incl. 3 ethics
Ohio	Yes	None found (annual renewal without exam)
Oklahoma	Yes	24 hrs / 24 months incl. 3 ethics
Oregon	Yes	24 hrs / 2 yrs incl. 3 ethics + 3 OR law
Pennsylvania	Yes	24 hrs / 2 yrs
Rhode Island	Yes	24 hrs / 2 yrs incl. 3 ethics
South Carolina	Yes	24 hrs / 2 yrs incl. 3 ethics
South Dakota	No	None (no PA statute)
Tennessee	Yes	24 hrs / 2 yrs incl. ethics
Texas	Yes	24 hrs / 2-yr license period
Utah	Yes	24 hrs / 2 yrs incl. 3 ethics
Vermont	Yes	None found for PAs
Virginia	Yes	24 hrs / 2 yrs incl. 3 ethics
Washington	Yes	24 hrs / 24 months
West Virginia	Yes	24 hrs / 2 yrs incl. 3 ethics
Wisconsin	Yes	15 credits / 2 yrs incl. 3 ethics
Wyoming	Yes	24 hrs / 2 yrs incl. 3 ethics

Notes: Arizona's adjuster exam is waivable for holders of a national or state claims-association certificate. Utah's statute makes the exam discretionary, but the Insurance Department lists it as required. Indiana requires a written exam with no pre-licensing course (IC 27-1-27-6); no CE requirement appears in IC 27-1-27. Michigan's exam is discretionary (MCL 500.1224(2)). Arizona, Maine and Michigan impose no CE on adjusters.

Conflict of Interest Rules

State	Rule (summary)	Authority
California	No interest in / pay from salvage or repair firms; contractor compensation must be disclosed	Cal. Ins. Code §§ 15027.5, 15028(b)
Colorado	No repair participation; no interest beyond fee; no salvage/repair interest; no repair POA	C.R.S. § 10-2-417(6)
Delaware	No interest in repair, restoration, salvage, appraisal or similar businesses; no referral fees	18 Del. C. § 1758(b)
Florida	No repair participation; no salvage/repair interest; no paid referrals except from another PA	F.S. §§ 626.854(13), 626.8795
Georgia	No financial interest in any aspect of claim beyond contract fee; contract must state no interest in firms doing loss work; no attorney referral pay	O.C.G.A. §§ 33-23-43(c)(2), (7), 33-23-43.2(b)(10)
Hawaii	Dual independent/public licensee may not represent both sides in same transaction	HRS § 431:9-226(b)
Idaho	Disclose financial interests; no undisclosed repair referrals; no salvage interest; no repair POA	Idaho Code § 41-5818
Illinois	Disclose interests with claim parties; no undisclosed repair referrals; no salvage interest	215 ILCS 5/1575, 5/1590
Indiana	Written disclosure of any interest in construction, salvage, law, appraisal, board-up or other firms working on the loss	IC 27-1-27-12
Iowa	No interest in repair firms; no referral consideration; no salvage interest	Iowa Code § 522C.11(6), (19)
Kansas	Disclose interests; no undisclosed repair referrals; no salvage interest; no repair POA	K.S.A. 40-5516
Kentucky	No repair participation; no salvage/repair affiliation or conflicting remuneration	KRS 304.9-4331
Louisiana	May not act as contractor; no contractor compensation; no interest beyond fee	La. R.S. 22:1706
Maryland	Disclose ownership of / pay from construction, salvage, appraisal, repair or estimating firms	Md. Code, Ins. § 10-411
Michigan	No license to anyone employed by, owning stock in or connected with a fire repair contractor	MCL 500.1224(4)
Minnesota	No interest in construction, salvage or appraisal firms	Minn. Stat. § 72B.135
Mississippi	No repair participation; no conflict-of-interest remuneration; no interest in salvage/repair firms; no attorney referral fees	Miss. Code § 83-17-523(2)(g)-(l)
Missouri	May not solicit or contract repairs on property it adjusts	RSMo § 325.055
Montana	Disclose repair/appraisal-firm interests; no undisclosed referrals; salvage only with consent	MCA §§ 33-17-302, -303
Nebraska	No interest in any claim aspect incl. repair entities; no interested referrals	Neb. Rev. Stat. § 44-9217
Nevada	No interest in adjustment or salvage without written authorization	NRS 684A.165
New Hampshire	No interest in construction, salvage, appraisal or repair firms; no paid referrals	RSA 402-D:17
New York	Repair referrals to owned entities only with prominent written disclosure	Ins. Law § 2108(s)
North Carolina	Disclose financial interests; no undisclosed repair referrals	G.S. 58-33A-65, -80
North Dakota	No repair agreements; no interest beyond fee; no salvage interest; no repair POA	N.D.C.C. §§ 26.1-26.8-03(3), -15
Ohio	No repair work or interest in repair businesses; no property or salvage interest	OAC 3901-1-24(C); ORC 3951.07(E)
Oklahoma	No interest in construction/supply firms serving claimant; no salvage; disclose third-party pay	36 O.S. §§ 6220.1, 6223
Oregon	No interest beyond fee; no salvage interest; no interested referrals; no repair POA	OAR 836-071-1185
Pennsylvania	No salvage business; repair/salvage profit only if disclosed and agreed; disclose repair-firm interests	63 P.S. §§ 1602(d), 1603.1, 1606(a)(7)
Rhode Island	No undisclosed interest beyond fee; no salvage; no interested referrals; no repair POA	230-RICR-20-50-4.12(A)
South Carolina	No interest beyond fee; no salvage; no interested referrals; disclose repair-firm interests	S.C. Code §§ 38-92-130(D), 38-92-170
Tennessee	Disclosure-based; no salvage purchase; no repair POA	Tenn. Code §§ 56-6-914(c), 56-6-917
Texas	No repair participation; no salvage/repair interest; contractors may not act as PAs; no referral fees	Tex. Ins. Code §§ 4102.158, .163, .164
Utah	No repair participation; no salvage/repair interest; no referral fees; may not represent both sides	Utah Code §§ 31A-26-304, -312
Virginia	No interest beyond fee (incl. repairs); no interested referrals; no salvage; no repair POA	Va. Code § 38.2-1845.12
Washington	Dual licensee may not represent both sides in same transaction	RCW 48.17.410
West Virginia	No undisclosed interest beyond fee; no salvage; disclose repair-firm pay; no repair POA; no contractor fees	114 CSR 25 §§ 10-11, 15.2
Wisconsin	No interest beyond fee; no salvage; no interested referrals; may not require a contractor	Wis. Stat. §§ 629.06, .09, .10

No PA-specific conflict rule was found in Arizona, District of Columbia, Massachusetts (statute), New Jersey (N.J.A.C. 11:1-37), Vermont or Wyoming. Other states not listed were not verified.

Penalties for Violations

Only penalties confirmed from statute or regulation text are listed.

State	Penalty	Authority
Connecticut	Contract void if solicited 8pm–8am or cancellation notice omitted	CGS § 38a-724
Illinois	Contract voidable by insured for 5 business days	215 ILCS 5/1575
Missouri	Violation is a misdemeanor	RSMo § 325.040
North Dakota	Willful unlicensed practice is a class C felony	N.D.C.C. § 26.1-26.8-03(5)
Pennsylvania	Willful violation of listed conduct rules: 3rd-degree felony; other violations misdemeanor ($500–$1,000); civil penalty up to $5,000 per violation	63 P.S. §§ 1606(b), 1607
Texas	Class B misdemeanor; administrative penalty up to $2,000 per violation; insured may void contract with unlicensed person	Tex. Ins. Code §§ 4102.204, .206, .207

Florida Specifics (verified against F.S. § 626.854)

Fee caps: 20% of claim payments; 10% for one year after a governor-declared emergency
1% cap: if the insurer pays or agrees in writing to pay policy limits within 14 days of the loss or 10 days of contract execution (§ 626.854(11)(b)3.)
Solicitation: Monday–Saturday, 8 a.m.–8 p.m. only (§ 626.854(5))
Cancellation: 10 days after execution; in a declared emergency, 30 days from the date of loss or 10 days from execution, whichever is longer (§ 626.854(7))
Estimate: contract cancellable if no written estimate is provided within 60 days (§ 626.854(12)(b))
Conflicts: no participation in repairs; no interest in salvage/repair firms (§ 626.8795); no paid referrals except from another PA (§ 626.854(13))
Licensing: exam required (§ 626.865); 24 CE hours every 2 years (§ 626.2815(3))

Key Observations

47 jurisdictions license public adjusters; 3 (Alabama, Alaska, South Dakota) have no license; Arkansas treats public adjusting as prohibited
12 jurisdictions cap standard fees (Connecticut, Delaware, District of Columbia, Florida, Illinois, Iowa, Kentucky, Louisiana, Michigan, Mississippi, New York, Texas); 10% is the most common cap
10 jurisdictions cap fees only (or additionally) for declared catastrophes, all at 10% (Colorado, Florida, Iowa, New Mexico, North Carolina, North Dakota, Rhode Island, Virginia, West Virginia, Wisconsin)
15 states apply the NAIC-model 72-hour policy-limits rule (Idaho, Kansas, Louisiana, Maryland, Montana, Nebraska, New Mexico, North Carolina, Oklahoma, Oregon, Rhode Island, Tennessee, Texas, Virginia, West Virginia); Iowa, South Carolina and Wisconsin use a 5-day window and North Dakota 3 days
Time-of-day solicitation bans exist in 13 states (California, Connecticut, Florida, Illinois, Iowa, Maryland, Minnesota, New Jersey, New York, North Carolina, Texas, Virginia, Wisconsin); most other licensing states bar solicitation only during the loss-producing occurrence
Cancellation rights range from 2 business days (Maine) to 10 business days (Maryland) and 10 days (Utah); New Jersey has no statutory period
Vermont, Washington and Wyoming license public adjusters but have no NAIC-model conduct provisions (solicitation, rescission, policy-limits); Utah has rescission and conflict rules but no solicitation or policy-limits rule
Bonds range from $1,000 per named person (Ohio) to $50,000; Tennessee also requires $500,000 E&O coverage; 13 licensing jurisdictions set no statutory bond

Insurance Department Contacts

For licensing questions, contact the state Department of Insurance:

NAIC Database: https://www.naic.org
NIPR (Licensing): https://www.nipr.com

Disclaimer: This table is for reference only. Licensing requirements, fee caps, and regulations change frequently. Always verify current law with the state Department of Insurance before practicing.

Last Updated: August 2026 (verified against statute and regulation text)

Sources

State statutes, administrative codes and regulator pages linked per row in the master table
resources/data/public-adjusting-states.json (licensing status, fee caps, bonds, statutes)
NAIC Public Adjuster Licensing Model Act (#228) for the model conduct provisions referenced above

Public Adjuster Licensing & Fee Caps