Rules by state › Policy-limit carve-outs
Public adjuster 72-hour policy-limit carve-outs by state
When the insurer pays or commits to pay policy limits quickly, these states restrict or eliminate the adjuster's percentage fee. Florida's version is the strictest: 1% if limits are paid within 14 days, 0% if paid before the contract. Others use a 72-hour trigger.
| State | Rule | Citation |
|---|---|---|
| Florida | 1% if limits paid within 14 days; 0% if paid before contract“One percent of the amount of insurance claim payments or settlements, paid to the insured by the insurer for any coverage part of the policy where the claim payment or written agreement by the insurer to pay is equal to or greater than the policy limit for that part of the policy, if the payment or written commitment to pay is provided within 14 days after the date of loss or within 10 days after the date on which the public adjusting contract is executed, whichever is later.” Source: Fla. Stat. § 626.854(11)(b)(3) (fetched 2026-09-17) | Fla. Stat. § 626.854(11)(b)(3) |
| Texas | No % fee if limits paid within 72 hours“A license holder may not receive a commission consisting of a percentage of the total amount paid by an insurer to resolve a claim on a claim on which the insurer, not later than 72 hours after the date on which the loss is reported to the insurer, either pays or commits in writing to pay to the insured the policy limit of the insurance policy.” Source: Tex. Ins. Code § 4102.104(b) (fetched 2026-09-17) | Tex. Ins. Code § 4102.104(b) |
| Georgia | No % fee if limits paid within 72 hours“An adjuster shall not receive a commission consisting of a percentage of the total amount paid by an insurer to resolve a claim on a claim on which the insurer, not later than 72 hours after the date on which the loss is reported to the insurer, either pays or commits in writing to pay to the insured the policy limit of the insurance policy.” Source: O.C.G.A. § 33-23-43.3(b) (fetched current as of March 28, 2024) | O.C.G.A. § 33-23-43.3(b) |
| Louisiana | Time-and-expense only if limits paid within 72 hours“If the insurer, not later than seventy-two hours after the date on which the loss is reported to the insurer, either pays or commits in writing to pay to the insured the policy limit of the insurance policy, the public adjuster shall: (1) Inform the insured that the loss recovery amount cannot be increased by the insurer. (2) Be entitled only to reasonable compensation from the insured for services provided by the public adjuster on behalf of the insured, based on the time spent on a claim and expenses incurred by the public adjuster, until the claim is paid or the insured receives a written commitment to pay from the insurer.” Source: La. R.S. 22:1704(C) (fetched 2026-09-17) | La. R.S. 22:1704(C) |
| North Carolina | No % fee if limits paid within 72 hours“If the insurer, not later than 72 hours after the date on which the loss is reported to the insurer, either pays or commits in writing to pay to the insured the policy limit of the insurance policy, the public adjuster shall comply with all of the following: (1) Not receive a commission consisting of a percentage of the total amount paid by an insurer to resolve a claim. (2) Inform the insured that loss recovery amount might not be increased by insurer. (3) Be entitled only to reasonable compensation from the insured for services provided by the public adjuster on behalf of the insured, based on the time spent on a claim and expenses incurred by the public adjuster, until the claim is paid or the insured receives a written commitment to pay from the insurer.” Source: N.C.G.S. 58-33A-65(c) (fetched 2026-09-17) | N.C.G.S. 58-33A-65(c) |
| Rhode Island | No % fee if limits paid within 72 hours“If the insurer, not later than seventy-two (72) hours after the date on which the loss is reported to the insurer, either pays or commits in writing to pay to the insured a policy coverage limit(s), the public adjuster shall, with respect to that coverage: a. Not receive a commission consisting of a percentage of the total amount paid by an insurer to resolve a claim; b. Inform the insured that loss recovery amount might not be increased by insurer; and c. Be entitled only to reasonable compensation from the insured for services provided by the public adjuster on behalf of the insured, based on the time spent on a claim and expenses incurred by the public adjuster, until the claim is paid or the insured receives a written commitment to pay from the insurer.” Source: 230-RICR-20-50-4.12(A)(5) (fetched 2026-09-17) | 230-RICR-20-50-4.12(A)(5) |
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