Illinois Public Adjuster Regulations
Complete guide to public adjuster licensing, fees, and regulations in Illinois. Regulated by the Illinois Department of Insurance (IDOI).
Verify a license with IL DOIFee Structure
10% cap on personal residence claims (effective January 1, 2024). Same 10% cap applies to non-residential properties damaged in Governor-declared catastrophic events. If insurer pays or commits in writing to pay policy limits within 5 business days of loss being reported, PA may only charge reasonable hourly compensation.
Licensing Requirements
Continuing Education
24 hours per 2-year renewal cycle, including 3 hours of ethics.
Contract Requirements
Written contract required, must be pre-approved by the Department of Insurance. Must include full salary, fee, commission, compensation, or other considerations.
Solicitation Rules
Cannot solicit during the progress of a loss-producing occurrence.
Governing Statutes
215 ILCS 5, Article XLV (Sections 1500-1575)
Frequently Asked Questions
- How much can a public adjuster charge in Illinois?
- 10% cap on personal residence claims (effective January 1, 2024). Same 10% cap applies to non-residential properties damaged in Governor-declared catastrophic events. If insurer pays or commits in writing to pay policy limits within 5 business days of loss being reported, PA may only charge reasonable hourly compensation.
- How do I verify a public adjuster's license in Illinois?
- You can verify a public adjuster's license through the Illinois Department of Insurance (IDOI) at https://idoi.illinois.gov/producers/illinois-public-adjuster-examination-and-license-info.html
- What are the licensing requirements for public adjusters in Illinois?
- Public adjusters in Illinois must pass a licensing exam, obtain a $50,000 surety bond, and complete 24 hours per 2-year renewal cycle, including 3 hours of ethics..
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