PLIllinoismedium
An Illinois homeowner hires a representative to negotiate a fire claim against the homeowner's HO-3 carrier for a fee. Which Illinois credential must that representative hold?
AA Property and Casualty producer license
BA limited lines crop adjuster license
A public adjuster license under the Illinois Public Adjuster Law
DNo license is required; fee-based claim advocacy is unregulated
Why this is the answer
The Illinois Public Adjuster Law (215 ILCS 5/, §§ 1501-1561) requires anyone who, for compensation, represents an insured in negotiating or settling a first-party property claim to hold a public adjuster license. The license is separate from the producer license and is issued only after passing a public adjuster exam, posting a $20,000 bond, and meeting CE requirements. Contracts with the insured must be in writing and contain statutory cancellation rights.
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