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SB 2498

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2025 Regular Session

Creates a Public Adjuster Advisory Board under the Illinois Dept. of Insurance to review licensure and issue advisory rules to better protect consumers after catastrophes.

Died In Committee
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Bill Summary · SB 2498

SB 2498 — Summary (Public Adjuster Advisory Board)

Status: Died in committee (early 2025)
Sponsor: Sen. Bill Cunningham
Citation: Adds 20 ILCS 1405/1405‑55 to the Department of Insurance Law (Civil Administrative Code of Illinois)
Introduced: Early 2025 (sponsored Feb 7, 2025)

Purpose

Create a Public Adjuster Advisory Board within the Illinois Department of Insurance to review licensure and operational practices for public adjusters and to prepare advisory recommendations (including proposed rules) to help protect residential and commercial consumers—particularly in the aftermath of catastrophic events.

Key provisions

  • Establishes the Public Adjuster Advisory Board (new Section 1405‑55).
  • Board duties:
    • Review and recommend changes to licensure, license issuance, and requirements for licensed public adjusters in Illinois.
    • Adopt advisory recommendations (which may include proposed rules) for the Department of Insurance to consider, especially to protect consumers after catastrophic events.
    • Submit an annual report to the Governor and General Assembly on licensing/operations issues and recommended policy changes (first report due no later than Jan 1, 2026).
  • Membership (ex-officio and appointed):
    • Director of Insurance (or designee) — serves as Chair.
    • Chief Enforcement Officer of the Department (or designee).
    • General Counsel of the Department (or designee).
    • Four legislative appointees (one each from Senate President, Senate Minority Leader, House Speaker, House Minority Leader).
    • One licensed attorney specializing in public adjuster regulation (Governor appointment).
    • One public adjuster residing outside Cook, DuPage, Kane, Lake, McHenry, and Will counties (Governor appointment).
    • Two licensed public adjusters residing in the six-county Chicago metro (Governor appointments).
    • Licensed public adjuster(s) representing the Chicagoland Public Adjusters Association (Governor appointment(s)).
  • Compensation and support:
    • Members receive no compensation but may be reimbursed for necessary expenses from Department appropriations.
    • The Department of Insurance provides staff and administrative support.
  • Meetings:
    • Board meets as soon as practicable after appointments and thereafter in April and September each year.
  • Effective date: upon becoming law.

Who would be affected

  • Public adjusters (licensure and practice standards could be reviewed and changed).
  • Department of Insurance (receives recommendations and provides staff/support).
  • Consumers (residential and commercial) potentially benefiting from strengthened protections following catastrophic events.
  • Legislators and regulators who would receive annual reports and possible rule recommendations.

Procedural / timeline notes

  • Introduced in early 2025 by Sen. Bill Cunningham.
  • Referred to multiple committees per the legislative record.
  • The bill did not advance to enactment — final recorded status: Died In Committee (2025).

Potential impact

If enacted, the bill would create a structured, recurring advisory mechanism to inform regulatory oversight of public adjusters, with a focus on consumer protection after catastrophes. Because the Board is advisory, regulatory changes would still require action by the Department of Insurance (rulemaking or statutory changes).

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

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