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31 Pa. Code § 115.2. Contents of public adjuster contracts, minimum standards.

§ 115.2. Contents of public adjuster contracts, minimum standards.

 (a)  A public adjuster contract shall contain, at a minimum, the following information:

   (1)  The title of the contract to read: Public Adjuster Contract.

   (2)  The name, business name, address and telephone number of the public adjuster.

   (3)  The name and address of the insured.

   (4)  The consideration expressed as a percentage of any payments to be received on the negotiated claim, or as a maximum dollar amount.

   (5)  A space provided for the execution date (month, day, year) of the contract.

   (6)  A space provided for the signature of the insured and the public adjuster.

   (7)  A provision setting forth the insured’s right to cancel, which shall be printed in prominent type on the first page of the public adjuster contract in substantially the following form:

Notice of Right to Cancel

 You, the insured, may cancel this contract at any time prior to midnight of the fourth calendar day after the execution date of this contract. If you exercise your right to cancel this contract, you will be liable for reasonable and necessary emergency out-of-pocket expenses or services which were paid for or incurred by the public adjuster to protect the interests of the insured during the period preceding cancellation.

 If you cancel this contract, anything of value given by you under the contract will be returned to you within 15 business days following the receipt by the public adjuster of your cancellation notice, and any security interest arising out of the contract will be cancelled. To cancel this contract, mail, fax or deliver in person a signed and dated copy of this notice or any other written notice, indicating your intent to cancel and the date thereof to (name of public adjuster) at (business address of public adjuster) not later than midnight of (date). I hereby cancel this contract.


(Insured’s signature)

 (b)  A public adjuster contract may not contain any contract term that:

   (1)  Allows the public adjuster’s fee to be collected when money is due from an insurance company, but not paid, or that allows a public adjuster to collect the entire fee from the first check issued by an insurance company, rather than as percentage of each check issued by an insurance company.

   (2)  Requires the insured to authorize an insurance company to issue a check only in the name of the public adjuster.

   (3)  Imposes late fees or collection costs on the insured.


   The provisions of this §  115.2 amended under sections 206, 506, 1501 and 1502 of The Administrative Code of 1929 (71 P. S. § §  66, 186, 411 and 412); and the act of December 20, 1983 (P. L. 260, No. 72) (63 P. S. § §  1601—1608).


   The provisions of this §  115.2 amended January 17, 2003, effective January 18, 2003, 33 Pa.B. 346; amended December 3, 2004, effective December 4, 2004, 34 Pa.B. 6404. Immediately preceding text appears at serial pages (295796) to (295797).

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