Fire and water damage leads in New York.
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Request DemoPublic adjuster solicitation rules in New York.
- Nobody may act for an insured in adjusting a loss unless licensed as a public adjuster by the Superintendent. (N.Y. Insurance Law 2108(a)(3) and (c)(1))
- A public adjuster may never solicit an insured, a broker or anyone else to adjust a loss between 6 p.m. and 8 a.m., on any day. (11 NYCRR 25.3(a) (Insurance Regulation 10, as amended by the Seventh Amendment))
- The 6 p.m. to 8 a.m. ban covers soliciting in person (personal interview), by phone, or by any other method. (11 NYCRR 25.3(a))
- Using a contractor or any other person or company to make the contact does not get around the night-time ban. (11 NYCRR 25.3(a))
- A public adjuster also may not accept an order or sign a contract to adjust a loss between 6 p.m. and 8 a.m. (11 NYCRR 25.3(a))
- Every public adjuster contract counts as a door-to-door sale, so the Door-to-Door Sales Protection Act applies to it. (N.Y. Insurance Law 2108(p)(2); 11 NYCRR 25.9(a))
- The insured may cancel until midnight of the third business day after signing, a detachable Notice of Cancellation must be attached, and the adjuster must also tell the insured of this right out loud at signing. (11 NYCRR 25.9(b) to (d); 11 NYCRR 25.13 (compensation agreement form))
Public adjusters are licensed by New York State Department of Financial Services (Superintendent of Financial Services).
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.