Texas Public Adjuster Regulations
Complete guide to public adjuster licensing, fees, and regulations in Texas. Regulated by the Texas Department of Insurance (TDI).
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Emergency/catastrophe cap: 10%
10% cap on all claims. If insurer pays or commits in writing to pay policy limits within 72 hours of loss being reported, PA is not entitled to percentage-based compensation.
Licensing Requirements
Continuing Education
24 hours per 2-year cycle (including 3 hours ethics/consumer protection)
Contract Requirements
Written contract on form approved by commissioner required. Must contain prominently displayed notice in 12-point boldface: 'WE REPRESENT THE INSURED ONLY'. 72-hour rescission period.
Cancellation period: 72 hours from signature
Solicitation Rules
Cannot solicit on bodily injury losses covered by life/health/accident policies.
Governing Statutes
Texas Insurance Code Chapter 4102
Frequently Asked Questions
- How much can a public adjuster charge in Texas?
- 10% cap on all claims. If insurer pays or commits in writing to pay policy limits within 72 hours of loss being reported, PA is not entitled to percentage-based compensation.
- How do I verify a public adjuster's license in Texas?
- You can verify a public adjuster's license through the Texas Department of Insurance (TDI) at https://www.tdi.texas.gov/agent/agent-lookup.html
- What are the licensing requirements for public adjusters in Texas?
- Public adjusters in Texas must pass a licensing exam, obtain a $10,000 surety bond, and complete 24 hours per 2-year cycle (including 3 hours ethics/consumer protection).
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