Rules by state › Cancellation windows
Public adjuster contract cancellation window by state
How long the insured has to cancel a public adjuster contract after signing, without penalty. Florida's 10-day window is the longest; Mississippi's 5-business-day window is next. Most states give 3 business days.
| State | Window | Citation |
|---|---|---|
| Florida | 10 days (30 days during emergency)“An insured or claimant may cancel a public adjuster's contract to adjust a claim without penalty or obligation within 10 days after the date on which the contract is executed. If the contract was entered into based on events that are the subject of a declaration of a state of emergency by the Governor, an insured or claimant may cancel the public adjuster's contract to adjust a claim without penalty or obligation within 30 days after the date of loss or 10 days after the date on which the contract is executed, whichever is longer.” Source: Fla. Stat. § 626.854(7) (fetched 2026-09-17) | Fla. Stat. § 626.854(7) |
| Texas | 72 hours“The contract must contain a provision allowing the client to rescind the contract by written notice to the license holder within 72 hours of signature.” Source: Tex. Ins. Code § 4102.103(b) (fetched 2026-09-17) | Tex. Ins. Code § 4102.103(b) |
| Georgia | 3 business days“A provision granting the insured a right to rescind the contract within three business days after the date the contract was signed, so long as the rescission is in writing and mailed or delivered to the public adjuster at the address stated in the contract within three business days.” Source: O.C.G.A. § 33-23-43.2(d)(1) (fetched current as of March 28, 2024) | O.C.G.A. § 33-23-43.2(d)(1) |
| New Jersey | Not found in statute“The procedures to be followed by the insured if he or she seeks to cancel the contract, including any requirement for a written notice.” Source: N.J.A.C. 11:1-37.13(b)(5) (fetched 2026-08-31) | N.J.A.C. 11:1-37.13(b)(5) |
| Louisiana | 3 business days“The insured has the right to rescind the contract within three business days after the date the contract was signed. The rescission shall be in writing and mailed or delivered to the public adjuster at the address in the contract within the three business day period.” Source: La. R.S. 22:1704(H) (fetched 2026-09-17) | La. R.S. 22:1704(H) |
| North Carolina | 3 business days“The insured has the right to rescind the contract within three business days after the date the contract was signed. The rescission shall be in writing and mailed or delivered to the public adjuster at the address in the contract within the three-business-day period.” Source: N.C.G.S. 58-33A-65(i) (fetched 2026-09-17) | N.C.G.S. 58-33A-65(i) |
| Colorado | 72 hours“The insured may rescind any contract or other form of agreement for representation in a property or casualty loss or claim if the insured exercises this right of rescission in writing addressed to the insurer and the public adjuster and puts the written rescission, postage prepaid, in the United States mail within seventy-two hours after signing a settlement representation agreement.” Source: C.R.S. 10-2-417(6)(i)(IV)(A) (fetched 2026-09-17) | C.R.S. 10-2-417(6)(i)(IV)(A) |
| New York | 3 business days“The insured may cancel any compensation agreement until midnight of the third business day after the date on which the insured signed the compensation agreement.” Source: 11 NYCRR 25.8 (fetched 2026-09-17) | 11 NYCRR 25.8 |
| Mississippi | 5 business days“the right to revoke the contract within five (5) business days after execution.” Source: 19 Miss. Code R. 1-36.10(A) (fetched 2026-09-17) | 19 Miss. Code R. 1-36.10(A) |
| Rhode Island | 3 business days“The insured has the right to rescind the contract within three (3) business days after the date the contract was signed. The rescission shall be in writing and mailed or delivered to the public adjuster at the address in the contract within the three (3) business day period.” Source: 230-RICR-20-50-4.12(A)(11) (fetched 2026-09-17) | 230-RICR-20-50-4.12(A)(11) |
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.