Today's adjuster is frequently responsible for handling claims in several states. This applies to both the in-house claim office staff and to independent adjusters. There is often an effort to accuse the claim handler of mistakes or misconduct as a way to either increase the amount of money available through the insurance coverage or to convert the loss into one for policy limits. One approach is accusing the adjuster of engaging in “unfair claim settlement practices” as prohibited by the statutes or regulations in a particular state.

Beginning in 1971 and continuing through 1990, the National Association of Insurance Commissioners (NAIC) performed major re-writes of its original Model Act dealing with claim practices. Almost all of the states have now adopted some form of legislation incorporating all or portions of the NAIC's model act and/or model regulations.

However, there is no true uniformity among the states in terms of statutes, regulations, and judicial interpretations. Each state has addressed its priorities in diverse ways, setting different requirements for adjusting property and casualty claims. In addition, each state will generally have a separate set of guidelines for automobile claims. Finally, many states will have specific guidelines addressing life, health, workers compensation, and surety claims.