The proposed bill would amend existing statutes related to insurance claims by introducing several new prohibitions and clarifications regarding the roles of adjusters and contractors during loss-producing events. Specifically, it would prohibit adjusters from participating in the restoration or repair of properties they are adjusting claims for, and it would prevent contractors from acting as adjusters for claims while also providing repair services. Additionally, the bill would prohibit contractors from advertising or paying any insurance deductibles on behalf of policyholders, and it would restrict both adjusters and contractors from soliciting services during active emergencies.

Furthermore, the bill would define "adjust" to clarify the responsibilities of adjusters and modify the definition of "adjuster" to include those who solicit business or advise insured individuals about claims. It would also establish that adjusters cannot endorse payment instruments without the insured's direct endorsement and signature. The bill aims to enhance consumer protection by ensuring that contractors and adjusters do not engage in practices that could exploit policyholders during vulnerable times, while also allowing for essential services to be provided to prevent further damage.

Statutes affected:
Introduced Version: 20-321.02, 32-1158.02, 20-281, 20-284, 20-286, 20-287, 20-288, 20-289, 20-289.01, 20-290, 20-291, 20-292, 20-295, 20-296, 20-297, 20-299, 20-301, 20-302
Senate Engrossed Version: 20-321, 20-321.02, 32-1158.02, 20-281, 20-284, 20-286, 20-287, 20-288, 20-289, 20-289.01, 20-290, 20-291, 20-292, 20-295, 20-296, 20-297, 20-299, 20-301, 20-302
House Engrossed Version: 20-321, 20-321.02, 32-1158.02, 20-281, 20-284, 20-286, 20-287, 20-288, 20-289, 20-289.01, 20-290, 20-291, 20-292, 20-295, 20-296, 20-297, 20-299, 20-301, 20-302