Tennessee Public Adjuster Regulations
Complete guide to public adjuster licensing, fees, and regulations in Tennessee. Regulated by the Tennessee Department of Commerce and Insurance (TDCI).
Verify a license with TN DOIFee Structure
Tiered cap (Tenn. Code § 56-6-913): 15% on the settlement amount when the contract is signed before the insurer's initial offer; 25% of the additional settlement obtained when the contract is signed after a carrier offer; 10% on total-loss catastrophic claims when the home is 100% mortgaged.
Licensing Requirements
Continuing Education
24 hours per 2-year renewal cycle, including ethics. Non-residents whose home state has equivalent CE and reciprocity with Tennessee are exempt.
Contract Requirements
Written contract required (Tenn. Code § 56-6-914) including the public adjuster's compensation, services to be performed, license number, and signatures of both parties. The adjuster must give the insured a copy of the executed contract and notify the insurer of the representation.
Cancellation period: 3 business days from contract signing. Rescission must be in writing and delivered to the public adjuster's address in the contract. Anything of value given by the insured must be returned within 3 business days of cancellation.
Solicitation Rules
A person may not act as or hold themselves out as a public adjuster in Tennessee without an active license (Tenn. Code § 56-6-903). Public adjusters may not collect a fee, retainer, or deposit before claim settlement.
Governing Statutes
Tennessee Code Title 56, Chapter 6, Part 9 (Public Adjuster Licensing Act of 2006, §§ 56-6-901 through 56-6-920); fees at § 56-6-913; contracts at § 56-6-914
Frequently Asked Questions
- How much can a public adjuster charge in Tennessee?
- Tiered cap (Tenn. Code § 56-6-913): 15% on the settlement amount when the contract is signed before the insurer's initial offer; 25% of the additional settlement obtained when the contract is signed after a carrier offer; 10% on total-loss catastrophic claims when the home is 100% mortgaged.
- How do I verify a public adjuster's license in Tennessee?
- You can verify a public adjuster's license through the Tennessee Department of Commerce and Insurance (TDCI) at https://sbs.naic.org/solar-external-lookup/lookup?jurisdiction=TN
- What are the licensing requirements for public adjusters in Tennessee?
- Public adjusters in Tennessee must pass a licensing exam, obtain a $50,000 surety bond, and complete 24 hours per 2-year renewal cycle, including ethics. Non-residents whose home state has equivalent CE and reciprocity with Tennessee are exempt..
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