DE| The revisions to Bulletins No. 28 (for Producers & Adjusters), and No. 101 (for Insurers), from the Delaware Department of Insurance, dated February 13, 2025, address the roles of insurance adjusters and contractors in property damage claims. These bulletins emphasizes the importance of educating policyholders about these roles and outlines prohibited practices for licensees.
Key points include:
- Soliciting business from consumers during a loss-producing event is strictly prohibited, with potential penalties including license revocation and fines.
- Insurance companies are encouraged to develop clear communication materials for policyholders, explaining the differences between company adjusters, independent adjusters, and public adjusters.
- The bulletin warns against conflicts of interest, such as contractors acting as adjusters on the same claim they are contracted to repair.
- Public adjusters are prohibited from serving as both a public adjuster and a contractor on the same claim.
- A table is provided outlining what contractors can and cannot do without a Delaware public adjuster license, including permissible actions like offering repair services and prohibited actions like negotiating claims on behalf of customers.
Click here to see full revisions to Bulletins No. 28 and No. 101