{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-1845.13.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-1845.13.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-1845.13.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-1845.13.html"}],"law_id":67841,"edition_id":1,"section_id":67841,"structure_id":14212,"section_number":"38.2-1845.13","catch_line":"Contract between public adjuster and insured","history":"2012, cc. 734, 735; 2019, c. 627.","full_text":"A\n\nPublic adjusters shall ensure that all contracts for their services are in writing and contain the following terms:1\n\nLegible full name of the public adjuster signing the contract, as specified in the records of the Commission;2\n\nPublic adjuster&#8217;s permanent home state business address and phone number;3\n\nPublic adjuster&#8217;s license number, as specified in the records of the Commission;4\n\nTitle &#8220;Public Adjuster Contract&#8221;;5\n\nThe insured&#8217;s full name and street address and the insurance company&#8217;s name and policy number;6\n\nA description of the loss and a description of the location of the loss, if applicable;7\n\nA description of services to be provided to the insured by the public adjuster and all terms and conditions of the engagement;8\n\nSignatures of the public adjuster and the insured;9\n\nThe date the contract was signed by the public adjuster and the date the contract was signed by the insured;10\n\nAttestation language stating that the public adjuster is fully bonded pursuant to state law;11\n\nThe full salary, fee, commission, compensation, or other consideration the public adjuster is to receive for services, subject to the provisions of &#xA7; 38.2-1845.14; and12\n\nThe right to rescind the contract within three business days after the contract has been signed by the insured or, in the event of a catastrophic disaster, the right to rescind the contract within five business days after the contract has been signed by the insured. Such rescission shall be in writing and mailed or delivered to the public adjuster at the address shown in the contract. Within 15 business days following receipt of the notice to rescind, the public adjuster shall return to the insured anything of value given by the insured under the contract.B\n\nThe public adjuster shall provide a separate disclosure document to the insured stating (i) the insured is not required to hire a public adjuster but has the right to do so; (ii) the public adjuster is not an employee or representative of the insurer; (iii) the salary, fee, commission, or other consideration is the obligation of the insured, not the insurer; (iv) property insurance policies obligate the insured to present a claim to the insurer for consideration; (v) the insured has the right to initiate direct communications with the insured&#8217;s attorney, the insurer, the insurer&#8217;s adjuster, the insurer&#8217;s attorney, and any other person regarding the settlement of the insured&#8217;s claim; and (vi) the insured may contact the Commission for the licensing status of the public adjuster.C\n\nA public adjuster shall provide the insurer with a notification letter, which has been signed by the insured, authorizing the public adjuster to represent the insured&#8217;s interest.D\n\nNo public adjuster shall enter into a contract that prevents an insured from pursuing any civil remedy after the revocation or cancellation period set forth in subdivision A 12.E\n\nAny contract for public adjusting services that is entered into by an insured with a person who is in violation of &#xA7; 38.2-1845.2 may be voided at the option of the insured.","order_by":null,"text":{"0":{"id":245697,"text":"Public adjusters shall ensure that all contracts for their services are in writing and contain the following terms:","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"A1"},"1":{"id":245698,"text":"Legible full name of the public adjuster signing the contract, as specified in the records of the Commission;","type":"section","prefixes":["A","1"],"prefix":"1","entire_prefix":"A1","prefix_anchor":"A1","level":2,"prior_prefix":"A","next_prefix":"A2"},"2":{"id":245699,"text":"Public adjuster&#8217;s permanent home state business address and phone number;","type":"section","prefixes":["A","2"],"prefix":"2","entire_prefix":"A2","prefix_anchor":"A2","level":2,"prior_prefix":"A1","next_prefix":"A3"},"3":{"id":245700,"text":"Public adjuster&#8217;s license number, as specified in the records of the Commission;","type":"section","prefixes":["A","3"],"prefix":"3","entire_prefix":"A3","prefix_anchor":"A3","level":2,"prior_prefix":"A2","next_prefix":"A4"},"4":{"id":245701,"text":"Title &#8220;Public Adjuster Contract&#8221;;","type":"section","prefixes":["A","4"],"prefix":"4","entire_prefix":"A4","prefix_anchor":"A4","level":2,"prior_prefix":"A3","next_prefix":"A5"},"5":{"id":245702,"text":"The insured&#8217;s full name and street address and the insurance company&#8217;s name and policy number;","type":"section","prefixes":["A","5"],"prefix":"5","entire_prefix":"A5","prefix_anchor":"A5","level":2,"prior_prefix":"A4","next_prefix":"A6"},"6":{"id":245703,"text":"A description of the loss and a description of the location of the loss, if applicable;","type":"section","prefixes":["A","6"],"prefix":"6","entire_prefix":"A6","prefix_anchor":"A6","level":2,"prior_prefix":"A5","next_prefix":"A7"},"7":{"id":245704,"text":"A description of services to be provided to the insured by the public adjuster and all terms and conditions of the engagement;","type":"section","prefixes":["A","7"],"prefix":"7","entire_prefix":"A7","prefix_anchor":"A7","level":2,"prior_prefix":"A6","next_prefix":"A8"},"8":{"id":245705,"text":"Signatures of the public adjuster and the insured;","type":"section","prefixes":["A","8"],"prefix":"8","entire_prefix":"A8","prefix_anchor":"A8","level":2,"prior_prefix":"A7","next_prefix":"A9"},"9":{"id":245706,"text":"The date the contract was signed by the public adjuster and the date the contract was signed by the insured;","type":"section","prefixes":["A","9"],"prefix":"9","entire_prefix":"A9","prefix_anchor":"A9","level":2,"prior_prefix":"A8","next_prefix":"A10"},"10":{"id":245707,"text":"Attestation language stating that the public adjuster is fully bonded pursuant to state law;","type":"section","prefixes":["A","10"],"prefix":"10","entire_prefix":"A10","prefix_anchor":"A10","level":2,"prior_prefix":"A9","next_prefix":"A11"},"11":{"id":245708,"text":"The full salary, fee, commission, compensation, or other consideration the public adjuster is to receive for services, subject to the provisions of &#xA7; 38.2-1845.14; and","type":"section","prefixes":["A","11"],"prefix":"11","entire_prefix":"A11","prefix_anchor":"A11","level":2,"prior_prefix":"A10","next_prefix":"A12"},"12":{"id":245709,"text":"The right to rescind the contract within three business days after the contract has been signed by the insured or, in the event of a catastrophic disaster, the right to rescind the contract within five business days after the contract has been signed by the insured. Such rescission shall be in writing and mailed or delivered to the public adjuster at the address shown in the contract. Within 15 business days following receipt of the notice to rescind, the public adjuster shall return to the insured anything of value given by the insured under the contract.","type":"section","prefixes":["A","12"],"prefix":"12","entire_prefix":"A12","prefix_anchor":"A12","level":2,"prior_prefix":"A11","next_prefix":"B"},"13":{"id":245710,"text":"The public adjuster shall provide a separate disclosure document to the insured stating (i) the insured is not required to hire a public adjuster but has the right to do so; (ii) the public adjuster is not an employee or representative of the insurer; (iii) the salary, fee, commission, or other consideration is the obligation of the insured, not the insurer; (iv) property insurance policies obligate the insured to present a claim to the insurer for consideration; (v) the insured has the right to initiate direct communications with the insured&#8217;s attorney, the insurer, the insurer&#8217;s adjuster, the insurer&#8217;s attorney, and any other person regarding the settlement of the insured&#8217;s claim; and (vi) the insured may contact the Commission for the licensing status of the public adjuster.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A12","next_prefix":"C"},"14":{"id":245711,"text":"A public adjuster shall provide the insurer with a notification letter, which has been signed by the insured, authorizing the public adjuster to represent the insured&#8217;s interest.","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B","next_prefix":"D"},"15":{"id":245712,"text":"No public adjuster shall enter into a contract that prevents an insured from pursuing any civil remedy after the revocation or cancellation period set forth in subdivision A 12.","type":"section","prefixes":["D"],"prefix":"D","entire_prefix":"D","prefix_anchor":"D","level":1,"prior_prefix":"C","next_prefix":"E"},"16":{"id":245713,"text":"Any contract for public adjusting services that is entered into by an insured with a person who is in violation of &#xA7; 38.2-1845.2 may be voided at the option of the insured.","type":"section","prefixes":["E"],"prefix":"E","entire_prefix":"E","prefix_anchor":"E","level":1,"prior_prefix":"D"}},"ancestry":[{"id":14212,"edition_id":1,"name":"Licensing of Public Adjusters","identifier":"4.1","label":"article","depth":3,"order_by":1,"parent_id":13203,"metadata":{},"date_created":"2026-06-26 03:47:17","date_modified":"2026-06-26 03:47:17","permalink":{"id":212641,"object_type":"structure","relational_id":14212,"identifier":"4.1","token":"38.2\/18\/4.1","url":"\/38.2\/18\/4.1\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13203,"edition_id":1,"name":"Insurance Agents","identifier":"18","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:26","date_modified":"2026-06-26 03:44:26","permalink":{"id":212411,"object_type":"structure","relational_id":13203,"identifier":"18","token":"38.2\/18","url":"\/38.2\/18\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":58484,"structure_id":14212,"section_number":"38.2-1845.1","catch_line":"Definitions","url":"\/38.2-1845.1\/","token":"38.2\/18\/4.1\/38.2-1845.1","metadata":false},{"id":73810,"structure_id":14212,"section_number":"38.2-1845.10","catch_line":"Grounds for placing on probation, refusal to issue or renew, revocation, or suspension of license","url":"\/38.2-1845.10\/","token":"38.2\/18\/4.1\/38.2-1845.10","metadata":false},{"id":87101,"structure_id":14212,"section_number":"38.2-1845.11","catch_line":"Termination, suspension, or revocation of license","url":"\/38.2-1845.11\/","token":"38.2\/18\/4.1\/38.2-1845.11","metadata":false},{"id":75278,"structure_id":14212,"section_number":"38.2-1845.12","catch_line":"Standards of conduct for public adjusters","url":"\/38.2-1845.12\/","token":"38.2\/18\/4.1\/38.2-1845.12","metadata":false},{"id":67841,"structure_id":14212,"section_number":"38.2-1845.13","catch_line":"Contract between public adjuster and insured","url":"\/38.2-1845.13\/","token":"38.2\/18\/4.1\/38.2-1845.13","metadata":false},{"id":76560,"structure_id":14212,"section_number":"38.2-1845.14","catch_line":"Fees","url":"\/38.2-1845.14\/","token":"38.2\/18\/4.1\/38.2-1845.14","metadata":false},{"id":80102,"structure_id":14212,"section_number":"38.2-1845.15","catch_line":"Record retention","url":"\/38.2-1845.15\/","token":"38.2\/18\/4.1\/38.2-1845.15","metadata":false},{"id":75597,"structure_id":14212,"section_number":"38.2-1845.16","catch_line":"Escrow or trust accounts","url":"\/38.2-1845.16\/","token":"38.2\/18\/4.1\/38.2-1845.16","metadata":false},{"id":67191,"structure_id":14212,"section_number":"38.2-1845.17","catch_line":"Requirement to report to Commission","url":"\/38.2-1845.17\/","token":"38.2\/18\/4.1\/38.2-1845.17","metadata":false},{"id":66974,"structure_id":14212,"section_number":"38.2-1845.18","catch_line":"Information security program","url":"\/38.2-1845.18\/","token":"38.2\/18\/4.1\/38.2-1845.18","metadata":false},{"id":70523,"structure_id":14212,"section_number":"38.2-1845.19","catch_line":"What laws applicable; rulemaking authority","url":"\/38.2-1845.19\/","token":"38.2\/18\/4.1\/38.2-1845.19","metadata":false},{"id":76889,"structure_id":14212,"section_number":"38.2-1845.2","catch_line":"License required of resident public adjusters","url":"\/38.2-1845.2\/","token":"38.2\/18\/4.1\/38.2-1845.2","metadata":false},{"id":61033,"structure_id":14212,"section_number":"38.2-1845.20","catch_line":"Immunities; confidentiality","url":"\/38.2-1845.20\/","token":"38.2\/18\/4.1\/38.2-1845.20","metadata":false},{"id":77035,"structure_id":14212,"section_number":"38.2-1845.21","catch_line":"Authority of Commission to delegate certain functions","url":"\/38.2-1845.21\/","token":"38.2\/18\/4.1\/38.2-1845.21","metadata":false},{"id":62705,"structure_id":14212,"section_number":"38.2-1845.22","catch_line":"Power of Commission to investigate affairs of persons engaged in the business of public adjusting; penalties for refusal to permit investigation","url":"\/38.2-1845.22\/","token":"38.2\/18\/4.1\/38.2-1845.22","metadata":false},{"id":65504,"structure_id":14212,"section_number":"38.2-1845.23","catch_line":"False information and advertising generally","url":"\/38.2-1845.23\/","token":"38.2\/18\/4.1\/38.2-1845.23","metadata":false},{"id":55407,"structure_id":14212,"section_number":"38.2-1845.3","catch_line":"Exemptions from article","url":"\/38.2-1845.3\/","token":"38.2\/18\/4.1\/38.2-1845.3","metadata":false},{"id":70584,"structure_id":14212,"section_number":"38.2-1845.4","catch_line":"Examinations","url":"\/38.2-1845.4\/","token":"38.2\/18\/4.1\/38.2-1845.4","metadata":false},{"id":65937,"structure_id":14212,"section_number":"38.2-1845.5","catch_line":"Licensing nonresidents; reciprocal agreements with other states and Canadian provinces","url":"\/38.2-1845.5\/","token":"38.2\/18\/4.1\/38.2-1845.5","metadata":false},{"id":86867,"structure_id":14212,"section_number":"38.2-1845.6","catch_line":"Individual moving into the Commonwealth from another state or Canadian province","url":"\/38.2-1845.6\/","token":"38.2\/18\/4.1\/38.2-1845.6","metadata":false},{"id":62133,"structure_id":14212,"section_number":"38.2-1845.7","catch_line":"Refusal to issue; hearing; new application","url":"\/38.2-1845.7\/","token":"38.2\/18\/4.1\/38.2-1845.7","metadata":false},{"id":59250,"structure_id":14212,"section_number":"38.2-1845.8","catch_line":"Renewal application and fee; reinstatement; waiver","url":"\/38.2-1845.8\/","token":"38.2\/18\/4.1\/38.2-1845.8","metadata":false},{"id":67352,"structure_id":14212,"section_number":"38.2-1845.9","catch_line":"Repealed","url":"\/38.2-1845.9\/","token":"38.2\/18\/4.1\/38.2-1845.9","metadata":false}],"previous_section":{"id":75278,"structure_id":14212,"section_number":"38.2-1845.12","catch_line":"Standards of conduct for public adjusters","url":"\/38.2-1845.12\/","token":"38.2\/18\/4.1\/38.2-1845.12","metadata":false},"next_section":{"id":76560,"structure_id":14212,"section_number":"38.2-1845.14","catch_line":"Fees","url":"\/38.2-1845.14\/","token":"38.2\/18\/4.1\/38.2-1845.14","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-1845.13\/","history_text":"<p>This law was first created in 2012. The record of its establishment is cataloged in chapters <a href=\"https:\/\/legacylis.virginia.gov\/cgi-bin\/legp604.exe?121+ful+CHAP0734\">734<\/a> and <a href=\"https:\/\/legacylis.virginia.gov\/cgi-bin\/legp604.exe?121+ful+CHAP0735\">735<\/a> of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. It has been modified 1 time. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. That modification is as follows: in 2019, chapter <a href=\"https:\/\/legacylis.virginia.gov\/cgi-bin\/legp604.exe?191+ful+CHAP0627\">627<\/a>.<\/p>","references":false,"refers_to":[{"id":76560,"section_number":"38.2-1845.14","catch_line":"Fees","order_by":null,"url":"\/38.2-1845.14\/"},{"id":76889,"section_number":"38.2-1845.2","catch_line":"License required of resident public adjusters","order_by":null,"url":"\/38.2-1845.2\/"}],"permalink":{"id":212659,"object_type":"law","relational_id":67841,"identifier":"38.2-1845.13","token":"38.2\/18\/4.1\/38.2-1845.13","url":"\/38.2-1845.13\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-1845.13\/","token":"38.2\/18\/4.1\/38.2-1845.13","dublin_core":{"Title":"Contract between public adjuster and insured","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-1845.13","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section id=\"A\"><p><span class=\"prefix-number\">A.<\/span> <span class=\"dictionary\">Public adjusters<\/span> shall ensure that all <span class=\"dictionary\">contracts<\/span> for their services are in writing and contain the following terms: <a id=\"paragraph-245697\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#A\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A1\" class=\"indent-1\"><p><span class=\"prefix-number\">1.<\/span> Legible full name of the <span class=\"dictionary\">public adjuster<\/span> signing the <span class=\"dictionary\">contract<\/span>, as specified in the records of the <span class=\"dictionary\">Commission<\/span>; <a id=\"paragraph-245698\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#A1\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A2\" class=\"indent-1\"><p><span class=\"prefix-number\">2.<\/span> <span class=\"dictionary\">Public adjuster<\/span>&#8217;s permanent <span class=\"dictionary\">home state<\/span> business address and phone number; <a id=\"paragraph-245699\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#A2\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A3\" class=\"indent-1\"><p><span class=\"prefix-number\">3.<\/span> <span class=\"dictionary\">Public adjuster<\/span>&#8217;s <span class=\"dictionary\">license<\/span> number, as specified in the records of the <span class=\"dictionary\">Commission<\/span>; <a id=\"paragraph-245700\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#A3\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A4\" class=\"indent-1\"><p><span class=\"prefix-number\">4.<\/span> Title &#8220;<span class=\"dictionary\">Public Adjuster<\/span> <span class=\"dictionary\">Contract<\/span>&#8221;; <a id=\"paragraph-245701\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#A4\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A5\" class=\"indent-1\"><p><span class=\"prefix-number\">5.<\/span> The insured&#8217;s full name and street address and the <span class=\"dictionary\">insurance company<\/span>&#8217;s name and policy number; <a id=\"paragraph-245702\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#A5\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A6\" class=\"indent-1\"><p><span class=\"prefix-number\">6.<\/span> A description of the loss and a description of the location of the loss, if applicable; <a id=\"paragraph-245703\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#A6\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A7\" class=\"indent-1\"><p><span class=\"prefix-number\">7.<\/span> A description of services to be provided to the insured by the <span class=\"dictionary\">public adjuster<\/span> and all terms and conditions of the engagement; <a id=\"paragraph-245704\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#A7\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A8\" class=\"indent-1\"><p><span class=\"prefix-number\">8.<\/span> Signatures of the <span class=\"dictionary\">public adjuster<\/span> and the insured; <a id=\"paragraph-245705\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#A8\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A9\" class=\"indent-1\"><p><span class=\"prefix-number\">9.<\/span> The date the <span class=\"dictionary\">contract<\/span> was signed by the <span class=\"dictionary\">public adjuster<\/span> and the date the <span class=\"dictionary\">contract<\/span> was signed by the insured; <a id=\"paragraph-245706\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#A9\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A10\" class=\"indent-1\"><p><span class=\"prefix-number\">10.<\/span> Attestation language stating that the <span class=\"dictionary\">public adjuster<\/span> is fully bonded pursuant to state <span class=\"dictionary\">law<\/span>; <a id=\"paragraph-245707\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#A10\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A11\" class=\"indent-1\"><p><span class=\"prefix-number\">11.<\/span> The full salary, fee, <span class=\"dictionary\">commission<\/span>, compensation, or other consideration the <span class=\"dictionary\">public adjuster<\/span> is to receive for services, subject to the provisions of &#xA7; <a class=\"law\" title=\"Fees\" href=\"\/38.2-1845.14\/\">38.2-1845.14<\/a>; and <a id=\"paragraph-245708\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#A11\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A12\" class=\"indent-1\"><p><span class=\"prefix-number\">12.<\/span> The right to rescind the <span class=\"dictionary\">contract<\/span> within three business days after the <span class=\"dictionary\">contract<\/span> has been signed by the insured or, in the event of a <span class=\"dictionary\">catastrophic disaster<\/span>, the right to rescind the <span class=\"dictionary\">contract<\/span> within five business days after the <span class=\"dictionary\">contract<\/span> has been signed by the insured. Such rescission shall be in writing and mailed or delivered to the <span class=\"dictionary\">public adjuster<\/span> at the address shown in the <span class=\"dictionary\">contract<\/span>. Within 15 business days following receipt of the notice to rescind, the <span class=\"dictionary\">public adjuster<\/span> shall return to the insured anything of value given by the insured under the <span class=\"dictionary\">contract<\/span>. <a id=\"paragraph-245709\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#A12\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"B\"><p><span class=\"prefix-number\">B.<\/span> The <span class=\"dictionary\">public adjuster<\/span> shall provide a separate disclosure document to the insured stating (i) the insured is not required to hire a <span class=\"dictionary\">public adjuster<\/span> but has the right to do so; (ii) the <span class=\"dictionary\">public adjuster<\/span> is not an employee or representative of the <span class=\"dictionary\">insurer<\/span>; (iii) the salary, fee, <span class=\"dictionary\">commission<\/span>, or other consideration is the obligation of the insured, not the <span class=\"dictionary\">insurer<\/span>; (iv) property <span class=\"dictionary\">insurance policies<\/span> obligate the insured to present a claim to the <span class=\"dictionary\">insurer<\/span> for consideration; (v) the insured has the right to initiate direct communications with the insured&#8217;s attorney, the <span class=\"dictionary\">insurer<\/span>, the <span class=\"dictionary\">insurer<\/span>&#8217;s adjuster, the <span class=\"dictionary\">insurer<\/span>&#8217;s attorney, and any other <span class=\"dictionary\">person<\/span> regarding the <span class=\"dictionary\">settlement<\/span> of the insured&#8217;s claim; and (vi) the insured may contact the <span class=\"dictionary\">Commission<\/span> for the licensing status of the <span class=\"dictionary\">public adjuster<\/span>. <a id=\"paragraph-245710\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#B\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"C\"><p><span class=\"prefix-number\">C.<\/span> A <span class=\"dictionary\">public adjuster<\/span> shall provide the <span class=\"dictionary\">insurer<\/span> with a notification letter, which has been signed by the insured, authorizing the <span class=\"dictionary\">public adjuster<\/span> to represent the insured&#8217;s interest. <a id=\"paragraph-245711\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#C\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"D\"><p><span class=\"prefix-number\">D.<\/span> No <span class=\"dictionary\">public adjuster<\/span> shall enter into a <span class=\"dictionary\">contract<\/span> that prevents an insured from pursuing any civil remedy after the <span class=\"dictionary\">revocation<\/span> or cancellation period set forth in subdivision A 12. <a id=\"paragraph-245712\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#D\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"E\"><p><span class=\"prefix-number\">E.<\/span> Any <span class=\"dictionary\">contract<\/span> for <span class=\"dictionary\">public adjusting<\/span> services that is entered into by an insured with a <span class=\"dictionary\">person<\/span> who is in violation of &#xA7; <a class=\"law\" title=\"License required of resident public adjusters\" href=\"\/38.2-1845.2\/\">38.2-1845.2<\/a> may be voided at the option of the insured. <a id=\"paragraph-245713\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-1845.13\/#E\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nCONTRACT BETWEEN PUBLIC ADJUSTER AND INSURED (\u00a7 38.2-1845.13)\n\nA. Public adjusters shall ensure that all contracts for their services are in\nwriting and contain the following terms:\n\n   1. Legible full name of the public adjuster signing the contract, as specified\n   in the records of the Commission;\n\n   2. Public adjuster&#8217;s permanent home state business address and phone\n   number;\n\n   3. Public adjuster&#8217;s license number, as specified in the records of the\n   Commission;\n\n   4. Title &#8220;Public Adjuster Contract&#8221;;\n\n   5. The insured&#8217;s full name and street address and the insurance\n   company&#8217;s name and policy number;\n\n   6. A description of the loss and a description of the location of the loss, if\n   applicable;\n\n   7. A description of services to be provided to the insured by the public\n   adjuster and all terms and conditions of the engagement;\n\n   8. Signatures of the public adjuster and the insured;\n\n   9. The date the contract was signed by the public adjuster and the date the\n   contract was signed by the insured;\n\n   10. Attestation language stating that the public adjuster is fully bonded\n   pursuant to state law;\n\n   11. The full salary, fee, commission, compensation, or other consideration the\n   public adjuster is to receive for services, subject to the provisions of\n   &#xA7; 38.2-1845.14; and\n\n   12. The right to rescind the contract within three business days after the\n   contract has been signed by the insured or, in the event of a catastrophic\n   disaster, the right to rescind the contract within five business days after\n   the contract has been signed by the insured. Such rescission shall be in\n   writing and mailed or delivered to the public adjuster at the address shown in\n   the contract. Within 15 business days following receipt of the notice to\n   rescind, the public adjuster shall return to the insured anything of value\n   given by the insured under the contract.\n\nB. The public adjuster shall provide a separate disclosure document to the\ninsured stating (i) the insured is not required to hire a public adjuster but\nhas the right to do so; (ii) the public adjuster is not an employee or\nrepresentative of the insurer; (iii) the salary, fee, commission, or other\nconsideration is the obligation of the insured, not the insurer; (iv) property\ninsurance policies obligate the insured to present a claim to the insurer for\nconsideration; (v) the insured has the right to initiate direct communications\nwith the insured&#8217;s attorney, the insurer, the insurer&#8217;s adjuster,\nthe insurer&#8217;s attorney, and any other person regarding the settlement of\nthe insured&#8217;s claim; and (vi) the insured may contact the Commission for\nthe licensing status of the public adjuster.\n\nC. A public adjuster shall provide the insurer with a notification letter, which\nhas been signed by the insured, authorizing the public adjuster to represent the\ninsured&#8217;s interest.\n\nD. No public adjuster shall enter into a contract that prevents an insured from\npursuing any civil remedy after the revocation or cancellation period set forth\nin subdivision A 12.\n\nE. Any contract for public adjusting services that is entered into by an insured\nwith a person who is in violation of &#xA7; 38.2-1845.2 may be voided at the\noption of the insured.\n\nHISTORY: 2012, cc. 734, 735; 2019, c. 627.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}