Public adjusters in Nebraska: fees, contracts and deadlines
On this page
You can hire a public adjuster in Nebraska, and the adjuster must hold a public adjuster license from the Nebraska Department of Insurance.
Nebraska sets no percentage cap on ordinary claims and only requires the fee to be reasonable. After a declared catastrophic disaster the fee must be under 10 percent, and an adjuster cannot take money up front unless the job is billed on a time-plus-expense basis.
10%
fee limit after a declared disaster
3 business days
to cancel a public adjuster contract
15 working days
for the insurer to acknowledge your claim
15 working days
for the insurer to accept or deny
15 working days
for the insurer to pay
Each number is explained, with its source, in the sections below.
Can I hire a public adjuster in Nebraska?
You can hire a public adjuster in Nebraska, and the adjuster must hold a public adjuster license from the Nebraska Department of Insurance.
Nebraska has licensed public adjusters since July 19, 2018 under the Public Adjusters Licensing Act. A public adjuster works only for the policyholder on property claims and must keep a surety bond of at least $20,000.
Neb. Rev. Stat. § 44-9204(1) (show the source wording)
The source says
“A person shall not operate as or represent that such person is a public adjuster in this state unless such person is licensed as a public adjuster in accordance with the Public Adjusters Licensing Act.”Read it at the source (opens in a new tab)
Neb. Rev. Stat. § 44-9212(1)(a) (show the source wording)
The source says
“Shall be in the minimum amount of twenty thousand dollars”Read it at the source (opens in a new tab)
Nebraska Department of Insurance, Public Adjuster License Information (show the source wording)
The source says
“Effective July 19, 2018 Nebraska will issue both individual and business entity public adjuster licenses.”Read it at the source (opens in a new tab)
- Regulator
- Nebraska Department of Insurance
- Check a licence
- Official licence lookup
- File a complaint
- Consumer complaint form
- Consumer line
- 877-564-7323 (toll free in Nebraska) or 402-471-0888
What can a public adjuster charge in Nebraska?
Nebraska sets no percentage cap on ordinary claims and only requires the fee to be reasonable. After a declared catastrophic disaster the fee must be under 10 percent, and an adjuster cannot take money up front unless the job is billed on a time-plus-expense basis.
After a catastrophic disaster declared by the President or the Governor, the total fee must be less than 10 percent of the insurance settlement. The statute bars a fee 'equal to or more than' 10 percent, so exactly 10 percent is not allowed.
- On an ordinary claim the law only says the fee must be reasonable. It does not set a percentage cap.
Neb. Rev. Stat. § 44-9218(1) (show the source wording)
The source says“A public adjuster may charge the insured a reasonable fee for public adjuster services.”
Read it at the source (opens in a new tab) - After a catastrophic disaster, a public adjuster cannot charge or accept anything worth 10 percent or more of the insurance settlement.
Neb. Rev. Stat. § 44-9218(3) (show the source wording)
The source says“any payment, commission, fee, or other thing of value equal to or more than ten percent of any insurance settlement or proceeds resulting from a catastrophic disaster”
Read it at the source (opens in a new tab) - A catastrophic disaster is an event declared to be one by the President or by the governor of the state where it happened, and it must also meet the severity tests listed in the statute.
Neb. Rev. Stat. § 44-9203(2) (show the source wording)
The source says“Catastrophic disaster means an event declared to be a catastrophic disaster by the President of the United States or the governor of the state in which the disaster occurred”
Read it at the source (opens in a new tab) - A public adjuster cannot ask for or take a fee, retainer or deposit before the claim is settled, unless the job is being handled on a time-plus-expense basis.
Neb. Rev. Stat. § 44-9218(4) (show the source wording)
The source says“prior to settlement of a claim unless the loss is being handled by the public adjuster on a time-plus-expense basis”
Read it at the source (opens in a new tab) - A special rule applies when the insurer pays, or promises in writing to pay, your full policy limit within 72 hours after the loss is reported.
Neb. Rev. Stat. § 44-9214(3) (show the source wording)
The source says“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”
Read it at the source (opens in a new tab) - In that fast policy-limit situation the adjuster cannot take a percentage fee and can only charge reasonable pay for time spent and expenses.
Neb. Rev. Stat. § 44-9214(3)(a) (show the source wording)
The source says“Not receive a commission that consists of a percentage of the total amount paid by an insurer to resolve a claim”
Read it at the source (opens in a new tab) - The contract cannot let the adjuster collect a percentage fee on money the insurer owes but has not paid, or take the whole fee from the first check. The fee comes out of each check as it is issued.
Neb. Rev. Stat. § 44-9214(4)(a) (show the source wording)
The source says“allows a public adjuster to collect the entire fee from the first check issued by an insurer, rather than as a percentage of each check issued by an insurer”
Read it at the source (opens in a new tab) - The contract cannot charge you collection costs or late fees.
Neb. Rev. Stat. § 44-9214(4)(c) (show the source wording)
- Expenses to be repaid from your claim money must be listed by type with dollar estimates in the contract, and you must approve any extra expenses in writing.
Neb. Rev. Stat. § 44-9214(2)(c) (show the source wording)
The source says“Any additional expenses shall be approved in writing by the insured.”
Read it at the source (opens in a new tab) - A public adjuster who has been appointed by the insurer on a claim cannot charge you a fee.
Neb. Rev. Stat. § 44-9204(2) (show the source wording)
The source says“A public adjuster is prohibited from charging any insured a fee when appointed by the insurer and the appointment is accepted by the public adjuster.”
Read it at the source (opens in a new tab)
What must the contract say?
The contract must be in writing and state the exact fee. You can cancel in writing within three business days after signing, and the adjuster must return anything of value within 15 days.
Your right to cancel: 3 business days. You must cancel in writing and mail or deliver the notice to the adjuster at the address in the contract within the three business days.
- You can cancel the contract within three business days after the date it was signed.
Neb. Rev. Stat. § 44-9214(9) (show the source wording)
The source says“The insured has the right to rescind the contract within three business days after the date the contract was signed.”
Read it at the source (opens in a new tab) - The cancellation must be in writing and mailed or delivered to the adjuster at the address in the contract within that period.
Neb. Rev. Stat. § 44-9214(9) (show the source wording)
The source says“The rescission shall be in writing and mailed or delivered to the public adjuster at the address in the contract within the three-business-day period.”
Read it at the source (opens in a new tab) - If you cancel, the adjuster must return anything of value you gave within 15 days of receiving your notice.
Neb. Rev. Stat. § 44-9214(10) (show the source wording)
The source says“anything of value given by the insured under the contract will be returned to the insured within fifteen days following the receipt by the public adjuster of the rescission notice”
Read it at the source (opens in a new tab) - The contract must be in writing and include the terms the statute lists, such as the adjuster's name, license number, a description of the loss and the services, and both signatures with dates.
Neb. Rev. Stat. § 44-9214(1) (show the source wording)
The source says“Public adjusters shall ensure that all contracts for their services are in writing and contain the following terms:”
Read it at the source (opens in a new tab) - The contract must state the specific amount the adjuster will be paid.
Neb. Rev. Stat. § 44-9214(1)(k) (show the source wording)
The source says“The specific amount of compensation, including, but not limited to, the full salary, fee, commission, or other consideration the public adjuster is to receive for services.”
Read it at the source (opens in a new tab) - If the fee is a share of the settlement, the contract must state the exact percentage.
Neb. Rev. Stat. § 44-9214(2)(b) (show the source wording)
The source says“If the compensation is based on a share of the insurance settlement, the exact percentage shall be specified.”
Read it at the source (opens in a new tab) - The contract must include a statement that the adjuster is fully bonded as state law requires.
Neb. Rev. Stat. § 44-9214(1)(j) (show the source wording)
The source says“Attestation language stating that the public adjuster is fully bonded pursuant to state law”
Read it at the source (opens in a new tab) - Before you sign, the adjuster must give you a separate disclosure sheet explaining the claim process and the three kinds of adjusters.
Neb. Rev. Stat. § 44-9214(5) (show the source wording)
The source says“Prior to the signing of the contract the public adjuster shall provide the insured with a separate disclosure document regarding the claim process”
Read it at the source (opens in a new tab) - The adjuster must give you written notice of your rights under this section, including the right to cancel.
Neb. Rev. Stat. § 44-9214(8) (show the source wording)
The source says“The public adjuster shall give the insured written notice of the insured’s rights as provided in this section.”
Read it at the source (opens in a new tab) - The contract cannot require the insurer's check to be made out only to the public adjuster. It may name the adjuster as a co-payee.
Neb. Rev. Stat. § 44-9214(4)(b) (show the source wording)
The source says“Requires the insured to authorize an insurer to issue a check only in the name of the public adjuster”
Read it at the source (opens in a new tab) - The contract is signed in duplicate so that you get an original.
Neb. Rev. Stat. § 44-9214(6) (show the source wording)
The source says“The contract shall be executed in duplicate to provide an original contract to the public adjuster and an original contract to the insured.”
Read it at the source (opens in a new tab) - The Department does not have to approve the contract form in advance, but the Director can require an adjuster to file a contract.
Neb. Rev. Stat. § 44-9214(11) (show the source wording)
The source says“The director may require a public adjuster to file a contract with the department in a manner prescribed by the director.”
Read it at the source (opens in a new tab)
How can a public adjuster approach me?
- A public adjuster cannot solicit you while the event causing the loss is still in progress.
Neb. Rev. Stat. § 44-9217(2) (show the source wording)
The source says“A public adjuster shall not solicit, nor attempt to solicit, an insured during the progress of a loss-producing occurrence”
Read it at the source (opens in a new tab) - A public adjuster cannot pretend to be an adjuster working for your insurance company.
Neb. Rev. Stat. § 44-9204(2) (show the source wording)
The source says“A public adjuster shall not misrepresent to any insured that such public adjuster is an adjuster representing an insurer in any capacity”
Read it at the source (opens in a new tab) - A public adjuster cannot knowingly make false statements to you about an insurance company or anyone else in the insurance business.
Neb. Rev. Stat. § 44-9217(8) (show the source wording)
The source says“shall not knowingly make any false oral or written material statements regarding any person engaged in the business of insurance”
Read it at the source (opens in a new tab)
How long does my insurer have in Nebraska?
-
You report the claim
The first clock starts here.
-
Insurer's first response
15 working days
counted from the day you report the claim
-
Insurer accepts or denies
15 working days
counted from proof of loss, or the last documents the insurer asked for
-
Insurer pays
15 working days
counted from the insurer accepting the claim or an agreed amount
Property and casualty claims occurring in Nebraska. The rule does not cover workers' compensation, fidelity, surety, or boiler and machinery insurance.
- To acknowledge your claim. The insurer must acknowledge your claim within 15 working days of being notified, unless it pays within that time.
210 Neb. Admin. Code ch. 60, § 006.01 (show the source wording)
The source says“Every insurer, upon receiving notification of a claim shall, within fifteen (15) days, acknowledge the receipt of such notice unless payment is made within that period of time.”
Read it at the source (opens in a new tab) - To accept or deny. The insurer must tell you whether it accepts or denies the claim within 15 working days after it receives settlement information or a properly completed proof of loss.
210 Neb. Admin. Code ch. 60, § 008.01 (show the source wording)
The source says“Within fifteen (15) days after receipt by the insurer of settlement information or a properly executed proof of loss, the claimant shall be advised of the acceptance or denial of the claim by the insurer.”
Read it at the source (opens in a new tab) - To pay. Where coverage is not in dispute and liability is reasonably clear, the insurer must pay within 15 working days after you accept its offer.
210 Neb. Admin. Code ch. 60, § 008.04 (show the source wording)
The source says“The insurer shall tender payment within fifteen (15) days of claimant’s acceptance.”
Read it at the source (opens in a new tab)
The rule defines 'days' as working days (§ 003.05). If the insurer needs more time to decide, it must tell you why within the first 15 working days and then send an update letter every 30 working days (§ 008.02). The insurer must also start investigating within 15 working days of notice (§ 007) and make a fair offer within 15 working days of receiving settlement information when liability is reasonably clear (§ 008.04). The deadlines for deciding do not apply when the insurer has a documented reason to suspect fraud (§ 008.03). The rule says it does not create a private right to sue, and under Neb. Rev. Stat. § 44-1539 a violation counts as an unfair practice only if it is flagrant or frequent enough to be a general business practice. The statute itself (§ 44-1540) sets one day count: claim forms within 15 working days of a request.
What deadlines apply to me?
Your policy sets its own deadlines too, and they can be shorter. These are the ones written into Nebraska law.
- An insurance policy issued in Nebraska cannot shorten the time you have to sue to less than the period set by Nebraska's statutes of limitations, unless the insurance chapter says otherwise.
Neb. Rev. Stat. § 44-357 (show the source wording)
The source says“any provision limiting the time within which an action may be brought to less than the regular period of time prescribed by the statutes of limitations of this state”
Read it at the source (opens in a new tab) - Nebraska's general deadline for a lawsuit on a written contract is five years.
Neb. Rev. Stat. § 25-205(1) (show the source wording)
The source says“an action upon a specialty, or any agreement, contract, or promise in writing, or foreign judgment, can only be brought within five years”
Read it at the source (opens in a new tab)
What can I do if I disagree with the insurer?
- Complaint to the Nebraska Department of Insurance. You can file a complaint online or by form. The Department assigns an examiner, sends your complaint to the company or agent and asks for a detailed explanation.
Nebraska Department of Insurance, File a Complaint (show the source wording)
The source says“We will send a copy of your complaint to the company and/or agent and request a detailed explanation.”
Read it at the source (opens in a new tab) - Department review after a denial. If the insurer denies all or part of your claim and you object, it must tell you in writing that you can ask the Department of Insurance to review the matter and give you the Department's address and phone number.
210 Neb. Admin. Code ch. 60, § 008.08 (show the source wording)
The source says“the insurer shall notify the claimant in writing that he or she may have the matter reviewed by the Nebraska Department of Insurance”
Read it at the source (opens in a new tab) - Attorney fees if you sue and win. If you sue your insurer on the policy and win a judgment, the court adds a reasonable attorney fee to what you recover. You do not get the fee if you fail to win more than the insurer formally offered.
Neb. Rev. Stat. § 44-359 (show the source wording)
The source says“shall allow the plaintiff a reasonable sum as an attorney's fee in addition to the amount of his or her recovery, to be taxed as part of the costs”
Read it at the source (opens in a new tab)
Also worth knowing
- A public adjuster cannot also contract to do the repairs on a property whose claim the adjuster is handling.
Neb. Rev. Stat. § 44-9204(3) (show the source wording)
The source says“A public adjuster shall not, directly or indirectly, solicit, or enter into, an agreement for the repair or replacement of damaged property on which such public adjuster has engaged to adjust or settle claims”
Read it at the source (opens in a new tab) - A public adjuster cannot have a financial stake in any part of your claim beyond the fee in the contract, including owning or being paid by a business that does work on the damage.
Neb. Rev. Stat. § 44-9217(4) (show the source wording)
The source says“A public adjuster shall not have a direct or indirect financial interest in any aspect of the claim, other than the salary, fee, commission, or other consideration established in the written contract with the insured.”
Read it at the source (opens in a new tab) - A public adjuster cannot agree to a settlement without your knowledge and consent.
Neb. Rev. Stat. § 44-9217(11) (show the source wording)
The source says“A public adjuster shall not agree to any loss settlement without the knowledge and consent of the insured.”
Read it at the source (opens in a new tab) - A public adjuster cannot take a contract or power of attorney that lets the adjuster choose who does your repair work.
Neb. Rev. Stat. § 44-9217(10) (show the source wording)
The source says“the effective authority to choose the persons who shall perform repair work”
Read it at the source (opens in a new tab) - Claim money a public adjuster holds for you must be kept in a non-interest-bearing escrow account at a federally insured financial institution.
Neb. Rev. Stat. § 44-9215 (show the source wording)
The source says“shall deposit the funds in a non-interest-bearing escrow account in a financial institution that is insured by an agency of the federal government”
Read it at the source (opens in a new tab) - The insurer deadlines in Nebraska's claims rule count working days, not calendar days.
210 Neb. Admin. Code ch. 60, § 003.05 (show the source wording)
- Nebraska has a valued policy law. If insured real property is wholly destroyed by fire, tornado, windstorm, lightning or explosion, the amount of insurance written in the policy is treated as the true value and the amount of the loss.
Neb. Rev. Stat. § 44-501.02 (show the source wording)
The source says“the amount of the insurance written in such policy shall be taken conclusively to be the true value of the property insured and the true amount of loss and measure of damages”
Read it at the source (opens in a new tab) - On a replacement cost claim, when replacement items do not reasonably match the rest in quality, color or size, the insurer must replace all items in the area so the result looks reasonably uniform.
210 Neb. Admin. Code ch. 60, § 010.01(B) (show the source wording)
The source says“the insurer shall replace all items in the area so as to conform to a reasonably uniform appearance”
Read it at the source (opens in a new tab) - An insurer cannot deny a claim for late written notice unless written notice is a condition in the policy, or your failure to give it after being asked was unreasonable.
210 Neb. Admin. Code ch. 60, § 005.03 (show the source wording)
The source says“No insurer shall deny a claim based upon the failure of a first party claimant to give written notice of loss within a specific time limit unless the written notice requirement is a written policy condition”
Read it at the source (opens in a new tab) - If you sign with a roofing or repair contractor who will be paid from insurance money, you can cancel by midnight of the third business day after signing or after your insurer tells you in writing that the loss is not covered, whichever is later.
Neb. Rev. Stat. § 44-8603(1) (show the source wording)
The source says“may cancel the contract prior to midnight on the later of the third business day after the person has (a) entered into the written contract or (b) received written notice”
Read it at the source (opens in a new tab) - A 2026 bill (LB1137) that would have changed the public adjuster licensing, contract and prohibited-acts sections did not pass. The Legislature's bill history shows it was indefinitely postponed on April 17, 2026.
Nebraska Legislature, LB1137 (109th Leg.) bill history (show the source wording)
Recent federal disaster declarations in Nebraska
After a declared disaster, the fee limit in Nebraska is 10%. After a catastrophic disaster declared by the President or the Governor, the total fee must be less than 10 percent of the insurance settlement. The statute bars a fee 'equal to or more than' 10 percent, so exactly 10 percent is not allowed.
- Severe Storms, Straight-Line Winds, Tornadoes, And Flooding · Major disaster declared August 3, 2026 · 8 areas: Buffalo, Fillmore, Gage, Howard, Jefferson, Nemaha, Thayer, Thurston
- Wildfires · Major disaster declared June 30, 2026 · 5 areas: Arthur, Garden, Grant, Lincoln, Morrill
Federal declarations from FEMA as of November 12, 2026. A state fee limit or deadline may depend on a state declaration instead; check the cited rule. All recent declarations.
Nebraska by the numbers
From 2016 to 2025 the National Weather Service logged 18,639 storm event reports in Nebraska, with property damage estimates totalling $1.2 billion, the 15th highest of the 50 states and D.C. Flood accounted for the most reported damage.
$1.2B
reported storm damage, 2016 to 2025
46
major disaster declarations since 2000
$56.2M
home damage verified by FEMA since 2002
Licensed public adjusters in Nebraska
271 individuals and firms hold a Nebraska public adjuster licence in the state's own records, and 36 of them are based in Nebraska.
Source: Nebraska Department of Insurance, retrieved November 10, 2026.
Browse the Nebraska directoryCommon questions about Nebraska
Can I hire a public adjuster in Nebraska?
You can hire a public adjuster in Nebraska, and the adjuster must hold a public adjuster license from the Nebraska Department of Insurance. Nebraska has licensed public adjusters since July 19, 2018 under the Public Adjusters Licensing Act. A public adjuster works only for the policyholder on property claims and must keep a surety bond of at least $20,000.
How much can a public adjuster charge in Nebraska?
Nebraska sets no percentage cap on ordinary claims and only requires the fee to be reasonable. After a declared catastrophic disaster the fee must be under 10 percent, and an adjuster cannot take money up front unless the job is billed on a time-plus-expense basis.
Can I cancel a public adjuster contract in Nebraska?
Yes. Nebraska law gives 3 business days to cancel. You must cancel in writing and mail or deliver the notice to the adjuster at the address in the contract within the three business days.
How long does an insurance company have to handle a claim in Nebraska?
The insurer must acknowledge your claim within 15 working days of being notified, unless it pays within that time. The insurer must tell you whether it accepts or denies the claim within 15 working days after it receives settlement information or a properly completed proof of loss. Where coverage is not in dispute and liability is reasonably clear, the insurer must pay within 15 working days after you accept its offer.
Where do I complain about an insurer or a public adjuster in Nebraska?
Complaints go to the Nebraska Department of Insurance. Consumer line: 877-564-7323 (toll free in Nebraska) or 402-471-0888.
Sources
Every rule above was matched to the exact words below on November 10, 2026.
- Neb. Rev. Stat. § 44-9204(1)
A person shall not operate as or represent that such person is a public adjuster in this state unless such person is licensed as a public adjuster in accordance with the Public Adjusters Licensing Act.
- Neb. Rev. Stat. § 44-9212(1)(a)
Shall be in the minimum amount of twenty thousand dollars
- Nebraska Department of Insurance, Public Adjuster License Information
Effective July 19, 2018 Nebraska will issue both individual and business entity public adjuster licenses.
- Neb. Rev. Stat. § 44-9218(1)
A public adjuster may charge the insured a reasonable fee for public adjuster services.
- Neb. Rev. Stat. § 44-9218(3)
any payment, commission, fee, or other thing of value equal to or more than ten percent of any insurance settlement or proceeds resulting from a catastrophic disaster
- Neb. Rev. Stat. § 44-9203(2)
Catastrophic disaster means an event declared to be a catastrophic disaster by the President of the United States or the governor of the state in which the disaster occurred
- Neb. Rev. Stat. § 44-9218(4)
prior to settlement of a claim unless the loss is being handled by the public adjuster on a time-plus-expense basis
- Neb. Rev. Stat. § 44-9214(3)
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
- Neb. Rev. Stat. § 44-9214(3)(a)
Not receive a commission that consists of a percentage of the total amount paid by an insurer to resolve a claim
- Neb. Rev. Stat. § 44-9214(4)(a)
allows a public adjuster to collect the entire fee from the first check issued by an insurer, rather than as a percentage of each check issued by an insurer
- Neb. Rev. Stat. § 44-9214(4)(c)
Imposes collection costs or late fees
- Neb. Rev. Stat. § 44-9214(2)(c)
Any additional expenses shall be approved in writing by the insured.
- Neb. Rev. Stat. § 44-9204(2)
A public adjuster is prohibited from charging any insured a fee when appointed by the insurer and the appointment is accepted by the public adjuster.
- Neb. Rev. Stat. § 44-9214(9)
The insured has the right to rescind the contract within three business days after the date the contract was signed.
- Neb. Rev. Stat. § 44-9214(10)
anything of value given by the insured under the contract will be returned to the insured within fifteen days following the receipt by the public adjuster of the rescission notice
- Neb. Rev. Stat. § 44-9214(1)
Public adjusters shall ensure that all contracts for their services are in writing and contain the following terms:
- Neb. Rev. Stat. § 44-9214(1)(k)
The specific amount of compensation, including, but not limited to, the full salary, fee, commission, or other consideration the public adjuster is to receive for services.
- Neb. Rev. Stat. § 44-9214(2)(b)
If the compensation is based on a share of the insurance settlement, the exact percentage shall be specified.
- Neb. Rev. Stat. § 44-9214(1)(j)
Attestation language stating that the public adjuster is fully bonded pursuant to state law
- Neb. Rev. Stat. § 44-9214(5)
Prior to the signing of the contract the public adjuster shall provide the insured with a separate disclosure document regarding the claim process
- Neb. Rev. Stat. § 44-9214(8)
The public adjuster shall give the insured written notice of the insured’s rights as provided in this section.
- Neb. Rev. Stat. § 44-9214(4)(b)
Requires the insured to authorize an insurer to issue a check only in the name of the public adjuster
- Neb. Rev. Stat. § 44-9214(6)
The contract shall be executed in duplicate to provide an original contract to the public adjuster and an original contract to the insured.
- Neb. Rev. Stat. § 44-9214(11)
The director may require a public adjuster to file a contract with the department in a manner prescribed by the director.
- Neb. Rev. Stat. § 44-9217(2)
A public adjuster shall not solicit, nor attempt to solicit, an insured during the progress of a loss-producing occurrence
- Neb. Rev. Stat. § 44-9217(8)
shall not knowingly make any false oral or written material statements regarding any person engaged in the business of insurance
- 210 Neb. Admin. Code ch. 60, § 006.01
Every insurer, upon receiving notification of a claim shall, within fifteen (15) days, acknowledge the receipt of such notice unless payment is made within that period of time.
- 210 Neb. Admin. Code ch. 60, § 008.01
Within fifteen (15) days after receipt by the insurer of settlement information or a properly executed proof of loss, the claimant shall be advised of the acceptance or denial of the claim by the insurer.
- 210 Neb. Admin. Code ch. 60, § 008.04
The insurer shall tender payment within fifteen (15) days of claimant’s acceptance.
- Neb. Rev. Stat. § 44-357
any provision limiting the time within which an action may be brought to less than the regular period of time prescribed by the statutes of limitations of this state
- Neb. Rev. Stat. § 25-205(1)
an action upon a specialty, or any agreement, contract, or promise in writing, or foreign judgment, can only be brought within five years
- Nebraska Department of Insurance, File a Complaint
We will send a copy of your complaint to the company and/or agent and request a detailed explanation.
- 210 Neb. Admin. Code ch. 60, § 008.08
the insurer shall notify the claimant in writing that he or she may have the matter reviewed by the Nebraska Department of Insurance
- Neb. Rev. Stat. § 44-359
shall allow the plaintiff a reasonable sum as an attorney's fee in addition to the amount of his or her recovery, to be taxed as part of the costs
- Neb. Rev. Stat. § 44-9204(3)
A public adjuster shall not, directly or indirectly, solicit, or enter into, an agreement for the repair or replacement of damaged property on which such public adjuster has engaged to adjust or settle claims
- Neb. Rev. Stat. § 44-9217(4)
A public adjuster shall not have a direct or indirect financial interest in any aspect of the claim, other than the salary, fee, commission, or other consideration established in the written contract with the insured.
- Neb. Rev. Stat. § 44-9217(11)
A public adjuster shall not agree to any loss settlement without the knowledge and consent of the insured.
- Neb. Rev. Stat. § 44-9217(10)
the effective authority to choose the persons who shall perform repair work
- Neb. Rev. Stat. § 44-9215
shall deposit the funds in a non-interest-bearing escrow account in a financial institution that is insured by an agency of the federal government
- 210 Neb. Admin. Code ch. 60, § 003.05
means working days
- Neb. Rev. Stat. § 44-501.02
the amount of the insurance written in such policy shall be taken conclusively to be the true value of the property insured and the true amount of loss and measure of damages
- 210 Neb. Admin. Code ch. 60, § 010.01(B)
the insurer shall replace all items in the area so as to conform to a reasonably uniform appearance
- 210 Neb. Admin. Code ch. 60, § 005.03
No insurer shall deny a claim based upon the failure of a first party claimant to give written notice of loss within a specific time limit unless the written notice requirement is a written policy condition
- Neb. Rev. Stat. § 44-8603(1)
may cancel the contract prior to midnight on the later of the third business day after the person has (a) entered into the written contract or (b) received written notice
- Nebraska Legislature, LB1137 (109th Leg.) bill history
Indefinitely postponed
What we looked for and could not confirm
We leave a rule off the page when we cannot match it to a primary source. These are still open:
- Every section of the Public Adjusters Licensing Act (§§ 44-9201 to 44-9219) on nebraskalegislature.gov shows only 'Laws 2018, LB743' as its source, so the site shows no amendments since enactment. LB1137 (2026) was indefinitely postponed. I did not check whether any other 2025 or 2026 bill carried similar changes, though the statute pages show none.
- Nebraska's statute sets no hours-of-day limit and no waiting period for public adjuster solicitation beyond the ban on soliciting while the loss event is in progress. I found no such limit in §§ 44-9201 to 44-9219 and did not find Department rules under § 44-9219.
- The five-year figure for suing an insurer combines two statutes (§ 44-357 and § 25-205). Section 44-357 has an exception ('unless otherwise prescribed by this chapter') and I did not check every section of chapter 44 for a shorter period, or how courts apply it to a given homeowners policy. Treat the five-year figure as the general rule for written contracts, not a confirmed deadline for every property claim.
- I found no Nebraska statute stating a deadline for giving notice of a claim or filing proof of loss. Neb. Rev. Stat. § 44-501 requires fire policies to follow the 1943 New York standard fire policy, but the text of that form is not printed in the statute, so its proof of loss and appraisal terms are not quoted here.
- I did not find a state-run mediation or appraisal program for property insurance claims on the Department of Insurance site. I looked at the complaint page only, so this is not confirmed either way.
- The Department's Public Adjuster License Information page links a roster PDF dated 12/13/2023 (PA_12_13_2023.pdf). A newer roster PDF exists on the same site at https://doi.nebraska.gov/sites/default/files/doc/7_8_2026.pdf (confirmed to load, contents not reviewed), but I did not find the page that links to it, and there may be a later one.
- The license lookup URL is the Department's Company and Producer Search page, which links to the NAIC lookup. I confirmed the page loads but did not run a search or confirm that public adjusters appear in it.
- The Chapter 60 PDF on doi.nebraska.gov carries no revision date other than its 1992 operative date. I did not compare it with the Secretary of State's copy of the Nebraska Administrative Code.