Rules by state › Emergency caps
Public adjuster emergency fee cap by state
Lower fee limits that kick in during a Governor- or President-declared emergency or catastrophic disaster. States not listed here either have no emergency provision or apply their general cap uniformly.
| State | Emergency cap | Citation |
|---|---|---|
| Florida | 10%“Ten percent of the amount of insurance claim payments or settlements, exclusive of attorney fees and costs, paid to the insured by the insurer for claims based on events that are the subject of a declaration of a state of emergency by the Governor. This provision applies to claims made during the year after the declaration of emergency.” Source: Fla. Stat. § 626.854(11)(b)(1) (fetched 2026-09-17) | Fla. Stat. § 626.854(11)(b)(1) |
| North Carolina | 10% (catastrophic only)“In the event of a catastrophic incident, there shall be limits on catastrophic fees. No public adjuster shall charge, agree to, or accept as compensation or reimbursement any payment, commission, fee, or other thing of value equal to more than ten percent (10%) of any insurance settlement or proceeds.” Source: N.C.G.S. 58-33A-60(d) (fetched 2026-09-17) | N.C.G.S. 58-33A-60(d) |
| Colorado | 10% (catastrophic only)“In the event of a catastrophic disaster, no public adjuster shall charge, agree to, or accept as compensation or reimbursement any payment, commission, fee, or other thing of value in excess of ten percent of any insurance settlement or proceeds.” Source: C.R.S. 10-2-417(4) (fetched 2026-09-17) | C.R.S. 10-2-417(4) |
| Rhode Island | 10% (catastrophic only)“In the event of a catastrophic disaster, there shall be limits on catastrophic fees. No public adjuster shall charge, agree to or accept as compensation or reimbursement any payment, commission, fee, or other thing of value equal to more than ten percent (10%) of any insurance settlement or proceeds.” Source: 230-RICR-20-50-4.12(A)(3) (fetched 2026-09-17) | 230-RICR-20-50-4.12(A)(3) |
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.