Louisiana Public Adjuster Regulations
Complete guide to public adjuster licensing, fees, and regulations in Louisiana. Regulated by the Louisiana Department of Insurance (LDI).
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Percentage-based fees prohibited
Louisiana prohibits contingent and percentage-based fees entirely (RS 22:1703). Public adjusters may only charge reasonable flat fees or hourly rates. Any contingent/percentage-based contract is null and void.
Licensing Requirements
Louisiana is unique among all states in prohibiting percentage-based fees. Only flat-fee or hourly-rate arrangements are permitted.
Continuing Education
24 hours per 2-year cycle (including 3 hours ethics)
Contract Requirements
Written contract required. Cannot use contingent or percentage-based fee structure.
Solicitation Rules
Cannot solicit for or enter into contracts with contingent/percentage-based fees.
Governing Statutes
Louisiana Revised Statutes Title 22, RS 22:1693 and RS 22:1703
Frequently Asked Questions
- How much can a public adjuster charge in Louisiana?
- Louisiana prohibits contingent and percentage-based fees entirely (RS 22:1703). Public adjusters may only charge reasonable flat fees or hourly rates. Any contingent/percentage-based contract is null and void.
- How do I verify a public adjuster's license in Louisiana?
- You can verify a public adjuster's license through the Louisiana Department of Insurance (LDI) at https://ldi.la.gov/onlineservices/ProducerAdjusterSearch/Default.aspx
- What are the licensing requirements for public adjusters in Louisiana?
- Public adjusters in Louisiana must pass a licensing exam, obtain a $50,000 surety bond, and complete 24 hours per 2-year cycle (including 3 hours ethics). Louisiana is unique among all states in prohibiting percentage-based fees. Only flat-fee or hourly-rate arrangements are permitted.
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