Not Applicable

No fee cap exceptions.

No fee cap, but charge reasonably.

Not Applicable

There is no current fee cap in California.

Yes. The fee is capped at 10% during a declared catastrophic disaster. Additionally, a Public Adjuster cannot charge a fee if they accept an appointment by the insurer.

Yes. Under C.G.S. § 38a-726, a Public Adjuster is strictly prohibited from charging or collecting any fee if the insurer offers in writing to pay the full policy limits within 30 days of a fire loss. Additionally, fees must be based only on the settlement proceeds actually paid by the insurer, and the adjuster cannot collect their fee until after the insurer has paid those proceeds.

None explicitly stated outside of the tiered limits mentioned above.

Yes. If the claim is based on an event that is the subject of a declared state of emergency by the Governor, the fee is strictly capped at 10% for claims made during the first year following the declaration. Additionally, Public Adjusters cannot charge a percentage fee on money the insurer already paid to the policyholder before the adjuster was hired; the fee can only be calculated on "new money" recovered through the adjuster's work.

Yes. A Public Adjuster cannot charge a percentage-based fee if the insurance company pays, or commits in writing to pay, the policy limit within 72 hours of the loss being reported. In that specific scenario, the adjuster may only charge reasonable compensation based on time spent and actual expenses incurred.

Yes. If the insurance company pays or commits in writing to pay the policy

Yes. If the insurer pays or commits in writing to pay the policy limits within 72 hours of the loss being reported, the Public Adjuster may not receive a percentage commission on the claim. Instead, they are only entitled to reasonable compensation based on time spent and expenses incurred. Additionally, under § 41-5803, if a licensed Public Adjuster accepts an appointment by an insurer, they are prohibited from charging the claimant a fee.

Yes. If the insurance company pays or commits in writing to pay the policy limits within 5 business days of the loss being reported, the Public Adjuster is prohibited from charging a percentage-based fee. In this situation, the adjuster may only charge reasonable hourly compensation for actual time spent and expenses incurred.

No fee cap exceptions.

Yes. In the event of a catastrophic disaster, the fee is strictly capped at 10% of the insurance settlement or proceeds. Additionally, a Public Adjuster cannot demand or accept any fee, retainer, or deposit prior to the settlement of a claim unless the loss is being handled on a strict time-plus-expense basis.

No fee cap exceptions.

None.

Yes. If the insurance company pays or commits in writing to pay the policy limits within 72 hours of the loss being reported, the Public Adjuster's compensation is strictly limited to reasonable compensation based only on the actual time spent on the claim and expenses incurred.

No fee cap exceptions.

No fee cap exceptions.

No fee cap exceptions.

No fee cap exceptions.

None.

No fee cap exceptions.

None.

Yes. If the insurer pays or commits in writing to pay the policy limits within 72 hours after the date the loss is reported, the Public Adjuster is strictly prohibited from receiving a commission based on a percentage of the total amount paid by the insurer.

Yes. According to the Nebraska Department of Insurance, in the case of a declared catastrophic disaster, the fee cannot exceed 10% of the insurance settlement or proceeds. Furthermore, if the insurance company pays or commits in writing to pay the policy limits within 72 hours of the loss being reported, the Public Adjuster is strictly prohibited from receiving a percentage-based commission. In that scenario, they are only entitled to reasonable compensation based on their actual time spent and expenses incurred.

No fee cap exceptions.

No fee cap exceptions.

No fee cap exceptions.

Yes. In the event of a declared catastrophic disaster, the fee is strictly capped at 10% of any insurance settlement or proceeds. Additionally, if the insurance company pays or commits in writing to pay the full policy limits within 72 hours of the loss being reported, the public adjuster is prohibited from charging a percentage-based fee; they are only entitled to reasonable compensation for actual time spent and expenses incurred.

From N.Y. Comp. Codes R. & Regs. Tit. 11 § 25.7: "No public adjuster shall charge a fee in excess of 12.5 percent of the recovery for services rendered by the adjuster, with respect to a claim, except a public adjuster may charge a fee of up to 20 percent on a supplemental claim if the aggregate fee charged is less than or equal to 12.5 percent of the full claim payment. The public adjuster shall compute the fee based upon any monies paid by the insurer for any insurance claim for which the public adjuster represents the insured or has negotiated or effected a settlement, after the insured has retained the services of the public adjuster."

During a catastrophic disaster, the fee is capped at 10% of the claim settlement.

During a catastrophic disaster, the fee is capped at 10% of a claim settlement.

No fee cap exceptions.

No fee cap exceptions.

No fee cap exceptions.

No fee cap. (Proposed future cap: During a catastrophic event, the fee is capped at 10% of a claim settlement.)

During a catastrophic event, the fee is capped at 10% of a claim settlement.

If the insurer pays or commits in writing to the full policy limit within five business days of the loss being reported, the Public Adjuster cannot take a percentage commission. Compensation is limited to reasonable time-and-expense charges, still capped at ten percent.

No fee cap exceptions.

From TN Code § 56-6-913: "A public adjuster may charge the insured a reasonable fee. If a contract between the public adjuster and the insured is formed before the insurance carrier has made an offer of settlement, then the public adjuster may not charge a fee that is greater than fifteen percent (15%) of the total proceeds of the insurance settlement. If a contract between the public adjuster and the insured is formed after the insurance carrier has made an offer of settlement, then the public adjuster may not charge any more than twenty-five percent (25%) of the difference between the insurance company's last offer to the insured prior to the public adjuster contract with that insured and the last offer after the public adjuster entered a contract with the insured and negotiated, if any, additional settlement proceeds. If the insured has obtained a home mortgage in the amount of one hundred percent (100%) of the appraised value of the home, then a public adjuster may charge a fee not to exceed ten percent (10%) of the total proceeds of an insurance settlement that is a total loss of the home, which shall be deemed to be a policy limit payment, occurring during a catastrophic disaster within the first twelve (12) months of the term of the home mortgage. This limitation applies regardless of when a contract is entered into between the public adjuster and the insured; provided, however, that a public adjuster shall charge no fee on any advance payment prior to the contract between the insured and the public adjuster to the insured. Nothing in this subsection (a) prohibits a public adjuster from charging a variation of fees, so long as those fees do not exceed the amounts prescribed in this subsection (a). This subsection (a) shall not apply to commercial insurance."

No fee cap exceptions.

No fee cap exceptions.

No fee cap exceptions.

During a catastrophic event, the fee is capped at 10% of a claim settlement.

No fee cap exceptions.

During a catastrophic event, the fee is capped at 10% of a claim settlement.

During a catastrophic event, the fee is capped at 10% of a claim settlement.

No fee cap exceptions.