North Carolina Public Adjuster Regulations
Complete guide to public adjuster licensing, fees, and regulations in North Carolina. Regulated by the North Carolina Department of Insurance (NCDOI).
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10%maximum fee
Emergency/catastrophe cap: 10%
10% cap on all claims. No PA shall charge, agree to, or accept compensation equal to more than 10% of any insurance settlement or proceeds.
Licensing Requirements
Licensing exam required
Surety bond required ($20,000)
E&O insurance required
One of the strictest fee caps in the nation at 10% for all claims.
Continuing Education
24 hours per 2-year cycle
Contract Requirements
Written contract required with description of services, signatures of PA and insured, and exact percentage specified.
Solicitation Rules
Cannot require, demand, or accept any fee before settlement of a claim.
Governing Statutes
North Carolina General Statutes Chapter 58, Article 33A (Sections 58-33A-10 through 58-33A-65)
Frequently Asked Questions
- How much can a public adjuster charge in North Carolina?
- 10% cap on all claims. No PA shall charge, agree to, or accept compensation equal to more than 10% of any insurance settlement or proceeds.
- How do I verify a public adjuster's license in North Carolina?
- You can verify a public adjuster's license through the North Carolina Department of Insurance (NCDOI) at https://sbs.naic.org/solar-external-lookup/
- What are the licensing requirements for public adjusters in North Carolina?
- Public adjusters in North Carolina must pass a licensing exam, obtain a $20,000 surety bond, and complete 24 hours per 2-year cycle. One of the strictest fee caps in the nation at 10% for all claims.
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