Pennsylvania to Cap Public Adjuster Fees Starting April
A new state law limits what public insurance adjusters can collect on claims and tightens consumer protections for property-loss policyholders.
Updated on Nov. 12, 2026 in Insurance
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Pennsylvania has enacted a law that caps how much a public insurance adjuster can receive on a claim and bars unlicensed individuals from posing as public adjusters. The new law takes effect in late April.
Why it matters
The law is aimed at protecting Pennsylvanians affected by flood, fire or other property loss from predatory practices by some public adjusters. Prior law did not address the amount adjusters could charge.
The statute is a state-level enactment that replaces a framework silent on adjuster fees, and it adds a consumer right to cancel contracts. The exact percentage or dollar cap and its enforcement details were not available in the extraction.
The players
Rep. Jeff Olsommer
Pennsylvania state representative associated with the legislation on public insurance adjusters.
The details
The law limits the share a public adjuster may receive for a claim and strengthens conflict-of-interest rules that bar adjusters from accepting financial benefits from contractors. It also gives consumers more power to cancel a contract with an adjuster.
Timeline
Late April: the new public adjuster law takes effect in Pennsylvania.
Legal Context
Unlike the prior Pennsylvania statute, which left public adjuster compensation unregulated, the new law adds a fee limit and anti-misrepresentation rules. Together these changes move the state's property-claims rules toward greater transparency for policyholders.
Pennsylvania policyholders filing flood, fire or other property-loss claims may be able to use a public adjuster with clearer contracts and capped fees. Consumers also gain a stronger right to cancel an adjuster contract.
The takeaway
Before signing with a public adjuster, policyholders should review the contract terms, confirm the adjuster is licensed, and understand the fee structure. The new law makes those protections more explicit in Pennsylvania.
Further reading
For more on how claims help works, see Pennsylvania insurance coverage.
Source note: This article includes information reported by Pikecountycourier.
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