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Bill

HB 3771

INS CD-PUBLIC ADJUSTERS

104th Regular Session Introduced by Harry Benton

HB 3771 modifies Illinois insurance code regulations governing public adjusters' licensing, conduct, or fees to protect consumers and claim process integrity.

Referred to Rules Committee
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WeVote Research Nonpartisan
Bill Summary · HB 3771

Legislative bill overview

HB 3771 appears to regulate public adjusters in Illinois by potentially modifying their licensing, conduct, or operational requirements under the insurance code. Public adjusters are professionals hired by policyholders to help negotiate insurance claims. The bill was introduced in February 2025 and is currently in the Rules Committee stage.

Why is this important

Public adjusters significantly influence how insurance claims are settled for homeowners and businesses. Changes to their regulation can affect consumer access to claim assistance, the cost of these services, and protection against fraudulent or unethical adjuster practices. This matters to anyone who may need professional help navigating an insurance claim.

Potential points of contention

  • Fee regulation vs. market freedom: Whether the state should cap or regulate how much public adjusters can charge, potentially affecting service availability in rural or low-income areas
  • Licensing and qualification standards: Stricter requirements could improve consumer protection but may reduce the number of available adjusters or increase service costs
  • Conflict of interest protections: Balancing requirements to prevent adjusters from steering clients toward specific insurers or inflating claim values while not imposing burdensome compliance costs

Compiled from official sources — confirm details with the bill’s official record.

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