Public adjuster rules by state
Every rule below is backed by a verbatim quote from the statute or regulation. States appear only after we read the statute at its official source and record the quote. We currently have 10 states verified across four rule tables.
Fee caps
The maximum a public adjuster can charge on a non-emergency claim. Louisiana bans percentage fees entirely.
7 states
Emergency and catastrophic fee caps
Lower fee limits during declared emergencies. NC, CO, and RI cap at 10% only during catastrophes.
4 states
Contract cancellation windows
How long you have to cancel after signing. Florida gives 10 days; most states give 3 business days.
10 states
72-hour policy-limit carve-outs
When the insurer pays limits quickly, these states restrict the adjuster's fee. FL's is the strictest.
6 states
This page is not legal advice. Rules are verified from official statute and regulation text; quotes are reproduced for informational purposes. Always read the full statute before making a decision. If you find an error, contact us.