State-Specific Insurance Laws: Individual state requirements for public adjuster licensing, contracts, release forms, and mandatory disclosures. Each state has its own regulatory framework for insurance matters.

Fair Claims Settlement Practices Act: Federal legislation that sets standards for the fair handling and settlement of insurance claims, which must be considered in public adjuster agreements.

Consumer Protection Laws: Federal and state laws designed to protect consumers from unfair practices in business transactions, including insurance adjusting services.

Privacy Laws (GLBA): The Gramm-Leach-Bliley Act and related privacy regulations governing the handling of personal financial information in the insurance industry.

State Insurance Department Regulations: Specific requirements set by state insurance departments regarding public adjuster contracts, including fee limitations, required disclosures, cooling-off periods, and cancellation rights.

Fee Percentage Regulations: State-specific limitations on maximum fee percentages that public adjusters can charge for their services.

Timing Restrictions: State-mandated restrictions on when public adjusters can solicit business after a loss occurs.

NAPIA Guidelines: Professional standards and guidelines established by the National Association of Public Insurance Adjusters for ethical practice and contract requirements.

Contract Law Fundamentals: Basic contract law principles including consideration, capacity to contract, clear terms and conditions, and mutual understanding between parties.