Public adjuster license requirements?

• A. May practice without license if representing insured in good faith.
• B. Must be licensed separately and comply with rules.
• C. Licensure only for nationwide companies.
• D. Licensing not required if employed by insurer.

Answer: (B)

Public adjusters must hold their own licensure and follow the rules set by the Texas Department of Insurance. In Texas, you can’t perform public adjusting—representing an insured in adjusting and negotiating a claim with the insurer—without a separate public adjuster license. This licensing requirement ensures the person has demonstrated competence and agrees to ethical standards, fee rules, and other regulatory obligations.

Being employed by an insurer as a staff or company adjuster is a different role and does not grant the public adjusting license or allow someone to represent insureds in the public sense. The licensing requirement is about the specific activity of public adjusting, not simply about who employs the person.

So the best choice reflects that you must obtain a separate public adjuster license and comply with the applicable rules.