Iowa · statute · Iowa Code ch. 522C · 21 active provisions
The purpose of this chapter is to govern the qualifications and procedures for licensing adjusters in this state, and to specify the duties of and restrictions on public adjusters, including limitation of such licensure to assisting insureds only with first-party claims.
As used in this chapter, unless the context otherwise requires: 1. “Adjuster” means a public adjuster, an independent adjuster, or a licensed staff adjuster. A person that acts as an adjuster solely for a crop hail insurance or a multiperil crop insurance claim shall not be subject to this chapter. 2. “Amount of loss”…
The commissioner may adopt rules pursuant to chapter 17A as necessary to administer and enforce this chapter, which may include but are not limited to all of the following: 1. Advertising standards. 2. Continuing education requirements for licensees. 3. Contracts between public adjusters and insureds. 4. Required discl…
1. A person shall not act as, or represent that the person is, a public adjuster or an independent adjuster in this state unless the person is licensed under this chapter. 2. A license as an adjuster shall not be required of any of the following: a. A staff adjuster; however, staff adjusters shall comply with all other…
1. A person applying for an adjuster license shall complete a uniform individual application or a uniform business entity application through the NIPR gateway or as otherwise prescribed by the commissioner. 2. To determine an applicant’s eligibility for licensure, the commissioner may require a criminal history check p…
Prior to approving an individual’s application for a resident adjuster license, the commissioner shall find that the applicant meets all of the following requirements: 1. This state is the applicant’s home state. 2. The applicant has not committed any act that is a ground for denial, suspension, or revocation of a lice…
Before approving a nonresident applicant’s application for a nonresident adjuster license, the commissioner shall find that the nonresident applicant meets all of the following requirements: 1. The nonresident applicant has not committed any act that is a ground for denial, suspension, or revocation of a license under…
Prior to approving a business entity’s application for a license for a resident public adjuster or resident independent adjuster, the commissioner shall find that the business entity meets all of the following requirements: 1. The business entity has designated an individual adjuster licensed in this state to be respon…
Before approving a nonresident business entity’s application for a nonresident public adjuster license or a nonresident independent adjuster license, the commissioner shall find that the nonresident business entity meets all of the following requirements: 1. The nonresident business applicant has designated an individu…
Fees for a license as an adjuster shall be as follows: 1. Any applicable fee for a criminal history check pursuant to section 522B.5A. 2. The fee for issuance or renewal of an adjuster license is fifty dollars for a consecutive twenty-four-month period. 3. The fee for reinstatement of an adjuster license is fifty dolla…
1. Prior to issuance of a license under section 522C.5A, 522C.5B, 522C.5C, or 522C.5D, an applicant shall secure evidence of financial responsibility through a surety bond as prescribed by the commissioner. The surety bond shall be executed and issued by an insurer authorized to issue surety bonds in this state and mee…
1. a. An individual applying for a license under this chapter shall pass a written examination, unless exempt pursuant to section 522C.9. The examination shall test the knowledge of the individual concerning the duties and responsibilities of an adjuster and the insurance laws and administrative rules of this state, an…
1. An individual who applies for a nonresident license under this chapter and who was previously a licensed adjuster in another state that required an examination that included Iowa-specific statutes and administrative rules shall not be required to apply for examination under section 522C.8. 2. An individual who reloc…
1. a. A public adjuster shall not provide services to an insured until a written contract with the insured has been executed on a form filed with and approved by the commissioner pursuant to section 522C.5A, subsection 9, section 522C.5B, subsection 8, section 522C.5C, subsection 7, or section 522C.5D, subsection 7. Th…
1. A public adjuster shall serve with objectivity and complete loyalty to the interest of the insured. A public adjuster shall render to the insured in good faith information, counsel, and service, that in the opinion of the public adjuster will best serve the insured’s insurance claim needs and interest. These duties…
1. An adjuster shall have a continuing duty to keep, at the adjuster’s place of business, usual and customary records pertaining to transactions undertaken by the adjuster. All such records shall be kept available and open for inspection by the division at any time during regular business hours; however, the division i…
1. The division may place on probation, suspend, revoke, or refuse to issue or renew an adjuster’s license, and may levy a civil penalty as provided in section 522C.14, for one or more of the following causes: a. The adjuster provided incorrect, misleading, incomplete, or materially untrue information in a license appl…
1. a. Upon a determination by the commissioner after a hearing conducted pursuant to chapter 17A that an adjuster has violated a provision of this chapter, the commissioner shall reduce the findings of the hearing to writing and deliver a copy of the findings to the adjuster. b. Upon a determination by the commissioner…
1. a. A person licensed as an adjuster under this chapter whose license has been revoked or suspended by order, or who forfeited a license in connection with a disciplinary matter, may apply to the commissioner for reinstatement or reissuance in accordance with the terms of the order of revocation or suspension, or the…
1. The commissioner shall deny an adjuster’s application for license issuance, renewal, reinstatement, or reissuance; suspend a current license; or revoke a currently suspended license, upon receipt of a certificate of noncompliance from the child support recovery unit pursuant to chapter 252J, or upon receipt of a cer…
If any provision of this chapter or the application thereof to any person or circumstance is held invalid, the invalidity does not affect other provisions or applications of this chapter which can be given effect without the invalid provision or application, and to this end the provisions of this chapter are severable.