An Ohio resident wants to be paid to negotiate a homeowners claim on behalf of an insured against the insured's own insurer. Which license does the person need under R.C. 3951?

Why this is the answer

R.C. 3951 requires anyone who, for compensation, acts on behalf of an insured to negotiate or settle a first-party claim to hold a public adjuster license. The standard producer license does not authorize public-adjusting activity. Public adjusters are subject to fee caps, written contract requirements with a cooling-off period, fiduciary duties, and segregated trust accounts for claim funds. Violations support license action under R.C. 3905.14.