1. (1) solicit or attempt to solicit an insured during the progress of a loss-producing occurrence;
2. (2) advertise or infer damage unless an inspection of the property has been completed;
3. (3) offer to pay an insured's deductible, or claim that the public adjuster will waive the insured's deductible, as an inducement for the insured to use the public adjuster's services;
4. (4) offer to conduct a free inspection of property other than property that is the subject of an insured's claim;
5. (5) participate directly, indirectly, or through an affiliate, in the reconstruction, repair, or restoration of property that is the subject of the public adjuster's contract with an insured;
6. (6) solicit, accept compensation from, or have an interest in a business that provides a product or service in connection with a claim that the public adjuster has a contract to adjust;

7. (7) have a financial interest in, directly, indirectly, or through an affiliate, an aspect of an insured's claim except for:

   1. (a) a salary;
   2. (b) a fee;
   3. (c) a commission; or
   4. (d) other compensation established in the written contract with the insured;
8. (8) collect compensation as provided in a contract without actually performing the service a licensed public adjuster customarily provides for the insured;
9. (9) acquire an interest in a salvage of property except as authorized in a contract with the insured;

10. (10) recommend or direct that the insured obtain a repair or service in connection with a loss from a person:

    1. (a) in whom the public adjuster has a financial interest; or
    2. (b) from whom the public adjuster may receive direct or indirect compensation for the referral;

11. (11) accept, sign, or endorse a check or payment draft:

    1. (a) that does not name the insured as a payee; or
    2. (b) on behalf of the insured;
12. (12) adjust a claim if the terms and conditions of the insurance coverage exceed the public adjuster's competence, knowledge, or expertise;
13. (13) represent or act as a company adjuster or independent adjuster on the same claim;
14. (14) enter into a contract or accept a power of attorney that vests in the public adjuster the authority to choose the persons that will perform repair work;
15. (15) agree to a loss settlement without the insured's knowledge or consent; or

16. (16) allow the following to obtain an insured's signature on the public adjuster's contract:

    1. (a) a home repair contractor;
    2. (b) a roofing company;
    3. (c) a disaster clean up company;
    4. (d) an appraiser;
    5. (e) an inspector; or
    6. (f) any other person hired to remedy the damage that is the subject of the insured's claim.

Enacted by Chapter 45, 2026 General Session