5/6/2026Enacted by Chapter 45, 2026 General Session2026Public adjuster standards of conduct.A public adjuster may not:solicit or attempt to solicit an insured during the progress of a loss-producing occurrence;advertise or infer damage unless an inspection of the property has been completed;offer to pay an insured's deductible, or claim that the public adjuster will waive the insured's deductible, as an inducement for the insured to use the public adjuster's services;offer to conduct a free inspection of property other than property that is the subject of an insured's claim;participate directly, indirectly, or through an affiliate, in the reconstruction, repair, or restoration of property that is the subject of the public adjuster's contract with an insured;solicit, accept compensation from, or have an interest in a business that provides a product or service in connection with a claim that the public adjuster has a contract to adjust;have a financial interest in, directly, indirectly, or through an affiliate, an aspect of an insured's claim except for:a salary;a fee;a commission; orother compensation established in the written contract with the insured;collect compensation as provided in a contract without actually performing the service a licensed public adjuster customarily provides for the insured;acquire an interest in a salvage of property except as authorized in a contract with the insured;recommend or direct that the insured obtain a repair or service in connection with a loss from a person:in whom the public adjuster has a financial interest; orfrom whom the public adjuster may receive direct or indirect compensation for the referral;accept, sign, or endorse a check or payment draft:that does not name the insured as a payee; oron behalf of the insured;adjust a claim if the terms and conditions of the insurance coverage exceed the public adjuster's competence, knowledge, or expertise;represent or act as a company adjuster or independent adjuster on the same claim;enter into a contract or accept a power of attorney that vests in the public adjuster the authority to choose the persons that will perform repair work;agree to a loss settlement without the insured's knowledge or consent; orallow the following to obtain an insured's signature on the public adjuster's contract:a home repair contractor;a roofing company;a disaster clean up company;an appraiser;an inspector; orany other person hired to remedy the damage that is the subject of the insured's claim.