Fire and water damage leads in North Carolina.
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Request DemoPublic adjuster solicitation rules in North Carolina.
- A public adjuster may not solicit an insured while the loss, as the policy defines it, is still in progress. (N.C.G.S. 58-33A-80(b))
- A public adjuster may not solicit a client between 9:00 p.m. and 9:00 a.m. (N.C.G.S. 58-33A-80(k))
- A public adjuster may not let an unlicensed employee or representative do business that needs a license. (N.C.G.S. 58-33A-80(c))
- A public adjuster may not pay an unlicensed person who must be licensed for investigating or settling claims, but may pay people who do not investigate or settle claims unless that breaks G.S. 58-33-85 or 58-63-15(8). (N.C.G.S. 58-33A-60(a) and (c))
- After a catastrophic incident the fee may not exceed 10% of the settlement, and no fee, retainer or deposit may be taken before the claim settles. (N.C.G.S. 58-33A-60(d))
- The insured can rescind the contract in writing within three business days after signing, and anything of value must be returned within 15 business days. (N.C.G.S. 58-33A-65(i) and (j))
- A public adjuster may not send the insured to a repair or service provider in which the adjuster has a financial interest, or from which the adjuster gets paid for the referral, unless that is disclosed. (N.C.G.S. 58-33A-80(f))
Public adjusters are licensed by North Carolina Department of Insurance (Commissioner of Insurance).
General information, not legal advice. Last checked 2026-10-17 against the official sources linked above. Rules change, so confirm with the regulator before you contact a property owner. See fire and water leads for public adjusters.