Public adjuster: Claim And Adjuster Rules

Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2).

3 of the 16 named sources that could be read published a usable figure; 13 published none and are recorded as not published, never filled in; 3 could not be read (blocked, dead or unreachable) and count nowhere.

The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in USD (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 15 candidate sentence(s) were refused by a reviewer with the reason recorded.

Derivation as chartered: One row per state per rule: whether a public adjuster must be licensed there, the statutory FEE CAP and whether a declared emergency lowers it, the solicitation blackout after a catastrophe, the licence fee and the errors-and-omissions floor, set beside the coverage rules a restoration buyer actually asks about - loss of use and additional living expense as a percentage of dwelling cover, recoverable depreciation, what renters cover pays after a fire, and what flood needs a separate NFIP policy for; Florida caps at 20% and at 10% on a claim arising from a declared state of emergency, and New York's Insurance Law 2108 gives an adjuster no right to compensation at all without a signed written memorandum.

The figures are the national cap TABLE, which nobody publishes from the statutes themselves, the spread between the highest and lowest cap, the count of states with no cap at all, and the NFIP claim series beside it so a cap can be read as dollars on a typical claim.

15 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.