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SF 2869

Public adjuster appearance as an advocate in any action or proceeding prohibition provision

2025-2026 Regular Session Introduced by Judy Seeberger

Bill prohibits public adjusters from acting as advocates in insurance claim legal proceedings, limiting their role to claim negotiation only.

Referred to Commerce and Consumer Protection
#commerceandcommercedepartment #legalproceedings
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Bill Summary · SF 2869

Legislative bill overview

SF 2869 would prohibit public adjusters from appearing as advocates or representatives in legal actions or proceedings related to insurance claims. Public adjusters are licensed professionals who help policyholders negotiate insurance claims for a fee. This bill would restrict their role to claim negotiation and investigation, preventing them from serving as advocates in court or administrative hearings.

Why is this important

Public adjusters currently operate in a gray area regarding representation in disputes. This bill clarifies their legal scope but could limit policyholders' ability to have experienced claim professionals represent them in formal proceedings, potentially disadvantaging consumers without legal representation. It may also affect the insurance dispute resolution process and the business model of public adjustment firms.

Potential points of contention

  • Consumer access to representation: Restricting public adjuster advocacy could leave some policyholders without professional representation in disputes, particularly those unable to afford attorneys
  • Industry impact: Public adjustment companies may see reduced revenue if they cannot represent clients in proceedings, potentially consolidating the industry or forcing business model changes
  • Definition clarity: The bill's scope depends on how "advocate" and "proceeding" are defined—ambiguity could create enforcement challenges or unintended consequences for legitimate claim assistance activities

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

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