1. A. It is unlawful for any person to engage in public adjusting or to offer or advertise public adjusting services in the Commonwealth unless the person is licensed by the Commission as a public adjuster.
2. B. It is unlawful for any person licensed as a public adjuster to knowingly aid or abet another person engaged in the unauthorized practice of public adjusting in the Commonwealth.
3. C. No person shall negotiate or effectuate the settlement of a claim arising from a loss or damage covered by an insurance contract with an individual engaged in the unauthorized practice of public adjusting.
4. D. No person may evade the public adjuster licensing requirements as defined in §§ 38.2-1845.2 and 38.2-1845.5 through the acquisition of a power of attorney from the policyholder or a beneficiary named or similarly identified in an insurance policy.

5. E. This section shall not apply to:

   1. 1. Persons exempt pursuant to § 38.2-1845.3; or
   2. 2. Persons who perform administrative tasks that do not interpret, analyze, or explain insurance, an insurance contract, or a public adjuster contract or cause, urge, or advise another person to enter into a contract for public adjusting services.

2026, c. 142.