Public Adjusters

When to Cry Over Spilled Milk: A Cautionary Tale for Insurers on Payment Handling

Bad Faith, Claim Payments, Public Adjusters

When an insurer issues claim payments, the job isn’t always finished once the check clears. The recent Pennsylvania Superior Court decision in Spilled Milk, Inc. v. Nautilus Insurance Co. (Oct. 28, 2025), serves as a reminder that even well-intentioned payment handling can expose a carrier to breach of contract and bad faith allegations when the …

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Property in 60 Seconds: Texas Supreme Court Rebukes Contractor Endorsing Public Adjuster Licensing Statute

Contractors, Property in 60 Seconds, Public Adjusters

On June 7, 2024, the Texas Supreme Court issued an opinion upholding the State’s Public Adjuster Licensing Statute against a constitutional challenge by a roofing contractor.  The Court held that the statute’s licensing requirement, as well as the dual capacity prohibition, preventing a company from serving as both a contractor and a public adjuster in …

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Texas Supreme Court to Address Contractor Challenge To Public Adjuster Law

Contractors, Emerging Issues, Public Adjusters

The Texas Supreme Court is presently considering the constitutionality of the State’s public adjuster law, which prevents contractors from advertising themselves as able to assist the public with negotiating an insurance claim without first obtaining a public adjuster license.  The case is Texas Department of Insurance v. Stonewater Roofing Ltd. A public adjuster is hired …

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Understanding the Role of Public Adjusters

Assignment of Benefits, Contractors, Public Adjusters

The role of public adjusters is clearly set forth under Pennsylvania law.  Public adjusters advise and assist policyholders with their insurance claim.  See 63 P.S. § 1601.  Public adjusters do not “represent” anyone.  Public adjusters are not attorneys, nor are they representatives or employees of an insurance company.  The public adjuster-policyholder relationship is regulated by …

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