North Carolina Resource Links

1. Disclosure of Financial Interests: A public adjuster is not permitted to have any direct or indirect financial interest in a claim other than what’s listed in the contract with the insured, unless it is disclosed in writing to the insured. Use the Disclosure of Financial Interests form to disclose any interest in a restoration company or referral fee. 

Fee cap of 10% on catastrophic losses: With that comes a 14 day right of rescission on those claims that can’t be waived 

Execution of Contract in Duplicate: must have insured sign two, with an original kept by the public adjuster and an original contract kept by the insured. 

2. Initial Expenses To Be Specified and be Initialed by Insured: Expenses must be listed by type, with dollar estimates. A form is included on the contract. 

3. Disclosure of Claims Process: The Disclosure of Claims Process document needs to be executed before the insured signs the Public Adjuster Contract. 

4. Commission limitations for policy limit offers within 72 hours: No percentage fee on this, only fee for time spent 

5. Ban on Solicitation No solicitation during Occurrence of Loss and during the hours of 9:00 P.M. to 9:00 A.M. 

6. Proof of loss—insured has 60 days from loss, unless extended by carrier, but forms are required to be furnished by the carrier. “When any company under any insurance policy requires a written proof of loss after notice of such loss has been given by the insured or beneficiary, the company or its representative shall furnish a blank to be used for that purpose. If such forms are not so furnished within 15 days after the receipt of such notice, the claimant shall be deemed to have complied with the requirements of this policy as to proof of loss, upon submitting within the time fixed in the policy for filing proofs of loss, written proof covering the occurrence, character, and extent of the loss for which claim is made. Bottom line you must submit a report on the occurrence, character, and extent of the loss within the 60 days. 

Key statutes governing Public Adjusters in North Carolina include:

N.C. Gen. Stat. § 58-33A-1 – Definitions and scope for Public Adjusters

N.C. Gen. Stat. § 58-33A-5 – License requirements

N.C. Gen. Stat. § 58-33A-10 – Bonding and financial responsibility

N.C. Gen. Stat. § 58-33A-15 – Standards of conduct

N.C. Gen. Stat. § 58-63-15 – Unfair claims settlement practices

N.C. Gen. Stat. § 58-2-69 – Recordkeeping and examination authority

N.C. Gen. Stat. § 58-2-70 – Civil penalties for violations

You can review the complete code here:
🔗 https://www.ncleg.gov/Laws/GeneralStatutes

In North Carolina, there is no universal statutory deadline for submitting a Proof of Loss (POL); instead, deadlines are determined by the specific insurance policy language. Most policies require submission within 60 days of the loss or within a stated number of days following a request by the insurer. The North Carolina Department of Insurance expects insurers to act in accordance with fair claim standards, but it does not impose a fixed deadline for insureds to submit a POL. Always read the individual policy carefully to determine compliance timelines.

The North Carolina Department of Insurance provides comprehensive information for Public Adjusters, including licensing requirements, regulations, and consumer resources.

• NCDOI.gov

Florida Public Adjusters are required to complete 24 hours of Continuing Education every two years, including:

• 3 hours of Ethics

• 21 hours of elective credits

• Additionally: 3 hours of flood insurance education during their first compliance period and every 4 years after that  

Recommended online courses:
• AdjusterPro.com

• AmericanInsuranceCollege.com

In North Carolina, a Public Adjuster is any individual who, for compensation, acts on behalf of an insured in negotiating the settlement of a first-party property insurance claim. Public Adjusters are regulated under Chapter 58, Article 33A of the North Carolina General Statutes.

Licensing Requirements:

Must apply for and hold an individual Public Adjuster license through the North Carolina Department of Insurance.

Must provide proof of a $20,000 surety bond payable to the Commissioner.

Must pass a background check and comply with fingerprinting requirements.

The applicant must be financially responsible and competent to act as a public adjuster.

A non-resident PA must be licensed in good standing in their home state and may apply by reciprocity.

Firm Licensing:

A separate Public Adjuster Firm License is required to operate as a business entity.

The licensed individual must be designated as the responsible party for the firm.

Conduct Standards:

Public Adjusters must act solely in the interest of the insured.

Contracts must be in writing and meet content and disclosure requirements.

Adjusters may not directly or indirectly participate in the repair or restoration of damaged property.

All advertising must be truthful and not misleading or deceptive.

Public Adjusters may not solicit business during emergencies in violation of state laws.

You can reference North Carolina statutes at:
🔗 https://www.ncleg.gov/Laws/GeneralStatutes

North Carolina Building Codes

• Carolina Association of Public Insurance Adjusters (CAPIA)

• National Association of Public Insurance Adjusters (NAPIA)