Public adjuster rules by state
What a public adjuster can charge, what the contract must say, and how long your insurer has to act. We publish a state only after matching each rule to the law.
- Public adjusters licensed
- Restricted
- Not licensed
- Guide being verified
How to read this
A blue tile is a state where public adjusters are licensed and the rules are verified. Amber means they are restricted. A red outline means the state does not license them. Point at a tile to see its headline rule.
10 states verified as of November 10, 2026. The rest are being checked one at a time.
Side by side
| State | Status | Fee rule | Cancel within | Insurer must acknowledge in | Checked |
|---|---|---|---|---|---|
| Alabama | Not licensed here | Not applicable | — | 15 calendar days | November 10, 2026 |
| California | Licensed here | No percentage cap in the statute | 3 business days | 15 calendar days | November 10, 2026 |
| Florida | Licensed here | Capped at 20%, 10% after a declared disaster | 10 calendar days | 7 calendar days | November 10, 2026 |
| Georgia | Licensed here | Capped at 33.3% | 3 business days | — | November 10, 2026 |
| Iowa | Licensed here | Capped at 15%, 10% after a declared disaster | 3 business days | 15 days | November 10, 2026 |
| Kansas | Restricted here | Capped at 10% (commercial claims only) | 3 business days | 10 working days | November 10, 2026 |
| Louisiana | Licensed here | Percentage fees are not allowed | 3 business days | 14 days | November 10, 2026 |
| Nebraska | Licensed here | No cap on standard claims; 10% limit after a declared disaster | 3 business days | 15 working days | November 10, 2026 |
| North Carolina | Licensed here | No cap on standard claims; 10% limit after a declared disaster | 3 business days | 30 days | November 10, 2026 |
| Texas | Licensed here | Capped at 10% | 3 calendar days | 15 days | November 10, 2026 |
A dash means the law sets no fixed number or we could not confirm one. Open the state for the exact wording and source.
Fee caps compared
The most a public adjuster may charge, as a share of the claim payment, in the states we have verified.
Blue bars are the cap on a standard claim. Amber bars are the limit after a declared disaster. States that are missing set no percentage cap, or do not allow percentage fees.
- Florida standard 20%
- Florida after a disaster 10%
- Georgia standard 33.3%
- Iowa standard 15%
- Iowa after a disaster 10%
- Kansas (commercial claims only) 10%
- Nebraska after a disaster 10%
- North Carolina after a disaster 10%
- Texas standard 10%
States still being verified
We would sooner show nothing than show a guess. These states get a page once every rule is matched to its source: Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Hawaii, Idaho, Illinois, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.