# Public adjuster: Claim And Adjuster Rules

> The Claim And Adjuster Rules carries 2 published figures read from 3 sources' own pages, from 66.66 to 80 USD, read 26 September 2026.

DamageRestore HQ · https://damagerestorehq.com/datasets/claim-and-adjuster-rules/ · computed 2026-09-26

**Median of the published figures:** 73.33 USD (range 66.66 to 80 USD; 2 sources with a figure; 3 of 16 sources read publish one).

3 of the 16 named sources read in full publish a figure; 13 publish none, read 26 September 2026.

The median is unchanged since 25 September 2026 (was 73.33 USD across 2).

## By state

| Breakdown | Median | Range | Sources |
|---|---|---|---|
| state MA | 66.66 USD | 66.66 to 66.66 USD | 1 |
| state SC | 80 USD | 80 to 80 USD | 1 |
| state FL | 30 day | 30 to 30 day | 1 |
| state FL | 20 % | 20 to 20 % | 1 |

## Every figure, with its source

One row per source: the figure the source's own page publishes, the page, and the day it was read.

| Source | Figure | Breakdown | Read |
|---|---|---|---|
| [Public Adjuster \| Department of Insurance, SC](https://doi.sc.gov/437/Public-Adjuster) | 80 USD | SC | 2026-09-26 |
| [Licensing Requirements: Business Entity Public Insurance Adjuster](https://www.mass.gov/info-details/licensing-requirements-business-entity-public-insurance-adjuster) | 66.66 USD | MA | 2026-09-26 |
| [Chapter 626 Section 854 - 2025 Florida Statutes](https://www.flsenate.gov/Laws/statutes/2025/626.854) | 60 day | FL | 2026-09-26 |
| [Chapter 626 Section 854 - 2025 Florida Statutes](https://www.flsenate.gov/Laws/statutes/2025/626.854) | 30 day | FL | 2026-09-26 |
| [Chapter 626 Section 854 - 2025 Florida Statutes](https://www.flsenate.gov/Laws/statutes/2025/626.854) | 20 % | FL | 2026-09-26 |
| [Chapter 626 Section 854 - 2025 Florida Statutes](https://www.flsenate.gov/Laws/statutes/2025/626.854) | 10 day | FL | 2026-09-26 |

## The sentence each figure was read from (6)

- [Public Adjuster \| Department of Insurance, SC](https://doi.sc.gov/437/Public-Adjuster), read 2026-09-26: "Pay the license fee of $80."
- [Licensing Requirements: Business Entity Public Insurance Adjuster](https://www.mass.gov/info-details/licensing-requirements-business-entity-public-insurance-adjuster), read 2026-09-26: "A complete and accurate Public Insurance Adjuster License Application online through NIPR.com with a licensing fee of $66.66 per member."
- [Chapter 626 Section 854 - 2025 Florida Statutes](https://www.flsenate.gov/Laws/statutes/2025/626.854), read 2026-09-26: "(12)(a) Each public adjuster must provide to the claimant or insured a written estimate of the loss to assist in the submission of a proof of loss or any other claim for payment of insurance proceeds within 60 days after the date of the contract."
- [Chapter 626 Section 854 - 2025 Florida Statutes](https://www.flsenate.gov/Laws/statutes/2025/626.854), read 2026-09-26: "If the contract was entered into based on events that are the subject of a declaration of a state of emergency by the Governor, an insured or claimant may cancel the public adjuster’s contract to adjust a claim without penalty or obligation within 30 days after the date of loss or 10 days after the date on which the contract is executed, whichever is longer."
- [Chapter 626 Section 854 - 2025 Florida Statutes](https://www.flsenate.gov/Laws/statutes/2025/626.854), read 2026-09-26: "The charge, compensation, payment, commission, fee, or any other thing of value must be based only on the claim payments or settlements paid to the insured, exclusive of attorney fees and costs, obtained through the work of the public adjuster after entering into the contract with the insured or claimant. Compensation for the reopened or supplemental claim may not exceed 20 percent of the reopened"
- [Chapter 626 Section 854 - 2025 Florida Statutes](https://www.flsenate.gov/Laws/statutes/2025/626.854), read 2026-09-26: "(7) An insured or claimant may cancel a public adjuster’s contract to adjust a claim without penalty or obligation within 10 days after the date on which the contract is executed."

## Read in full, publishes no figure

- [Access Denied](https://www.fema.gov/openfema-data-page/fima-nfip-redacted-claims-v2), read 2026-09-19: read in full and no accepted figure on the page
- [Access Denied](https://www.fema.gov/flood-insurance-statistics-current-month), read 2026-09-19: read in full and no accepted figure on the page
- [Access Denied](https://www.fema.gov/press-release/20240607/claims-office-exceeds-770-million-paid-claimants-pays-2800-flood-insurance), read 2026-09-26: read in full and no accepted figure on the page
- [ERROR: The request could not be satisfied](https://doi.colorado.gov/announcements/marshall-fire-response-faqs-on-additional-living-expenses-ale), read 2026-09-26: read in full and no accepted figure on the page
- [Just a moment...](https://www.dfs.ny.gov/insurance/ogco2003/rg031034.htm), read 2026-09-26: read in full and no accepted figure on the page
- [NYS Open Legislation \| NYSenate.gov](https://www.nysenate.gov/legislation/laws/ISC/2108), read 2026-09-12: read in full and no accepted figure on the page
- [Protect the life you’ve built](https://www.floodsmart.gov/get-flood-insurance), read 2026-09-12: read in full and no accepted figure on the page
- [Residential Series](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/index.cfm), read 2026-09-26: read in full and no accepted figure on the page
- [The Cost of Flooding \| The National Flood Insurance Program](https://www.floodsmart.gov/know-your-risk/cost-of-flooding), read 2026-09-12: read in full and no accepted figure on the page
- [Workers Compensation](https://www.insurance.ca.gov/flipbook/residential2020/11), read 2026-09-12: read in full and no accepted figure on the page
- [insurance.maryland.gov](https://insurance.maryland.gov/Producer/Documents/NAIC-MODEL-LAW-PUBLICADJUSTERS.pdf), read 2026-09-26: read in full and no accepted figure on the page
- [www.tdi.texas.gov](https://www.tdi.texas.gov/agent/adjuster-public-insurance-manage.html), read 2026-09-26: read in full and no accepted figure on the page
- [Facts + Statistics: Flood insurance - Triple-I®](https://www.iii.org/fact-statistic/facts-statistics-flood-insurance), read 2026-09-19: read in full and no accepted figure on the page

## Methodology

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.

## Sources

- [Access Denied](https://www.fema.gov/openfema-data-page/fima-nfip-redacted-claims-v2) (the publisher's own terms; quoted for reporting and comment)
- [Access Denied](https://www.fema.gov/flood-insurance-statistics-current-month) (the publisher's own terms; quoted for reporting and comment)
- [Access Denied](https://www.fema.gov/press-release/20240607/claims-office-exceeds-770-million-paid-claimants-pays-2800-flood-insurance) (the publisher's own terms; quoted for reporting and comment)
- [Chapter 626 Section 854 - 2025 Florida Statutes](https://www.flsenate.gov/Laws/statutes/2025/626.854) (the publisher's own terms; quoted for reporting and comment)
- [ERROR: The request could not be satisfied](https://doi.colorado.gov/announcements/marshall-fire-response-faqs-on-additional-living-expenses-ale) (the publisher's own terms; quoted for reporting and comment)
- [Just a moment...](https://www.dfs.ny.gov/insurance/ogco2003/rg031034.htm) (the publisher's own terms; quoted for reporting and comment)
- [Licensing Requirements: Business Entity Public Insurance Adjuster](https://www.mass.gov/info-details/licensing-requirements-business-entity-public-insurance-adjuster) (the publisher's own terms; quoted for reporting and comment)
- [NYS Open Legislation \| NYSenate.gov](https://www.nysenate.gov/legislation/laws/ISC/2108) (the publisher's own terms; quoted for reporting and comment)
- [Protect the life you’ve built](https://www.floodsmart.gov/get-flood-insurance) (the publisher's own terms; quoted for reporting and comment)
- [Public Adjuster \| Department of Insurance, SC](https://doi.sc.gov/437/Public-Adjuster) (the publisher's own terms; quoted for reporting and comment)
- [Residential Series](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/index.cfm) (the publisher's own terms; quoted for reporting and comment)
- [The Cost of Flooding \| The National Flood Insurance Program](https://www.floodsmart.gov/know-your-risk/cost-of-flooding) (the publisher's own terms; quoted for reporting and comment)
- [Workers Compensation](https://www.insurance.ca.gov/flipbook/residential2020/11) (the publisher's own terms; quoted for reporting and comment)
- [insurance.maryland.gov](https://insurance.maryland.gov/Producer/Documents/NAIC-MODEL-LAW-PUBLICADJUSTERS.pdf) (the publisher's own terms; quoted for reporting and comment)
- [www.tdi.texas.gov](https://www.tdi.texas.gov/agent/adjuster-public-insurance-manage.html) (the publisher's own terms; quoted for reporting and comment)
- [Facts + Statistics: Flood insurance - Triple-I®](https://www.iii.org/fact-statistic/facts-statistics-flood-insurance) (the publisher's own terms; quoted for reporting and comment)
- [content.naic.org](https://content.naic.org/sites/default/files/model-law-228.pdf) (the publisher's own terms; quoted for reporting and comment)
- [content.naic.org](https://content.naic.org/sites/default/files/inline-files/Chapter%2018%20-%20Adjuster%20Licensing.pdf) (the publisher's own terms; quoted for reporting and comment)
- [content.naic.org](https://content.naic.org/sites/default/files/model-law-228.pdf) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- The Claim And Adjuster Rules carries 2 published figures read from 3 sources' own pages, from 66.66 to 80 USD, read 26 September 2026.
- 3 of the 16 named sources read in full publish a figure; 13 publish none, read 26 September 2026.
- Claim And Adjuster Rules, state MA: median 66.66 USD across 1 source, read 26 September 2026.
- Claim And Adjuster Rules, state SC: median 80 USD across 1 source, read 26 September 2026.
- Claim And Adjuster Rules, state FL: median 30 day across 1 source, read 26 September 2026.
- Claim And Adjuster Rules, state FL: median 20 percent across 1 source, read 26 September 2026.
- The median is unchanged since 25 September 2026 (was 73.33 USD across 2).

Cite as: "DamageRestore HQ Claim And Adjuster Rules", updated 2026-09-26, https://damagerestorehq.com/datasets/claim-and-adjuster-rules/.

CSV: https://damagerestorehq.com/datasets/claim-and-adjuster-rules.csv
JSON: https://damagerestorehq.com/datasets/claim-and-adjuster-rules.json
Embed (plain HTML, static link back): see https://damagerestorehq.com/datasets/claim-and-adjuster-rules/#median