The unauthorized practice of public insurance adjusting. Public adjusters are the only adjusters licensed to work on behalf of insureds in 45 states, and they are regulated by each state’s department of insurance. (Photo: Shutterstock)

Since approximately 2008, the problem of unlicensed individuals and companies performing public adjusting services without being properly licensed as a public insurance adjuster has become pervasive throughout the United States, particularly in times immediately following a catastrophe. This problem, known as the Unauthorized Practice of Public Adjusting (UPPA), presents great risks to innocent, unsuspecting insureds, insurance carriers, state insurance regulators, legislators, and properly licensed, ethical members of the public adjusting profession.

In the world of property and casualty insurance, there are three types of adjusters:

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