PLMAmedium
A Massachusetts insured wants to hire a representative to negotiate a homeowners fire claim on their behalf against the insurer. Under M.G.L. c. 175 §§162 and 172, who must hold a Massachusetts Public Adjuster license to perform that service?
AAnyone who attempts to obtain a settlement for any homeowner — no license required because Massachusetts treats all claim negotiation as exempt
Any person, other than a licensed attorney, who for compensation acts on behalf of an insured in negotiating a first-party property claim
COnly attorneys representing the insured
DOnly the producer who originally wrote the homeowners policy
Why this is the answer
Massachusetts requires Public Adjuster licensure under c. 175 §172 for any person who, for compensation, acts on behalf of an insured to negotiate or settle a first-party fire or property claim. Licensed attorneys representing clients in claims are exempt. Independent adjusters working for the insurer and staff adjusters do not need a Public Adjuster license, because they represent the insurer, not the insured.
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