PLPennsylvaniamedium
In Pennsylvania, who must hold a public adjuster license under 63 P.S. § 1601 et seq. when assisting a homeowner with a fire-loss claim?
AThe insurer's staff adjuster handling the claim
An independent contractor representing the INSURED for compensation in negotiating the claim
CThe producer who sold the policy, when acting solely as agent for the insurer and not on behalf of the insured for any compensation
DThe homeowner adjusting their own claim
Why this is the answer
63 P.S. § 1601 et seq. (Pennsylvania Public Adjusters Act) requires anyone who, for compensation, acts on behalf of an insured in negotiating or settling a first-party claim to hold a public adjuster license. Insurer staff adjusters, independent adjusters working for insurers, and the insured handling their own claim are not public adjusters. A producer acting solely as agent of the insurer is not a public adjuster.
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