Category: Regulatory

Proposed Pennsylvania Legislation Threatens Homeowner Recovery Rights

Pennsylvania’s proposed House Bill 1972 and its companion Senate Bill could drastically limit the ability of public adjusters to help homeowners and small business owners recover after property losses.

The bills would cap public adjusting fees at 15% on all claims and just 10% on catastrophe claims, impose a 15-business-day right of rescission, and ban adjusters from owning or receiving payment from construction or restoration companies. They also double bonding requirements and forbid any financial relationships or referrals between contractors and adjusters.

Supporters state the bills protect consumers, but in practice they would force many small adjusting firms out of business, leaving some policyholders without independent representation during the claims process. Without public adjusters, many insureds would face underpayment or delays, with little recourse other than costly litigation.

The legislation could represent a significant shift of power toward insurance companies, undermining consumer rights and professional advocacy in claim recovery. Public adjusters, homeowners, and small business owners are encouraged to contact their legislators and oppose these bills to preserve access to fair claim representation in Pennsylvania.

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Independent Collaboration in Public Adjusting: Legality, Liability, and Control

Independent public adjusters often collaborate to manage complex claims or bridge slow market periods—but questions about legality, liability, and control can make those partnerships tricky. This article explains when collaboration is permissible, how liability is assigned when working under another firm’s license, and what distinguishes an independent contractor from a statutory employee. With clear agreements, proper licensing, and respect for professional boundaries, collaboration between adjusters can be both compliant and mutually beneficial.

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Part II: Navigating the Grey Areas — What Public Adjusters Need to Know About Fee Caps, Solicitations, and Legislative Ambiguity

The regulatory environment for public adjusters is rapidly evolving. Part II of our series explores the growing confusion caused by vague legislative language and new fee caps inspired by the 2024 NCOIL Public Adjuster Professional Standards Reform Model Act. As states reinterpret key terms like “solicitation” and “advertising,” public adjusters must adapt—balancing compliance, profitability, and ethical advocacy. Learn how to navigate these grey areas and strengthen your practice through clear onboarding, sound documentation, and strategic business adjustments.

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Satellite office in KY

Green Public

Insurance Adjusting

Is now in Kentucky serving clients affected by the tornados. Stop by our satellite location at 3205 US Highway 641 N in Benton, KY. We’re just down the road from the Kentucky Opry.