Licensing & Disclosures

AdjusterOS Pro is a software platform operated by AgentiQly.io. It is a claims management tool. It does not perform adjusting services, represent policyholders or carriers, or render professional opinions about coverage or value.

The platform assists licensed professionals in organizing, documenting, and communicating about claims. The professional judgment, licensure, and compliance obligations in any given claim engagement are entirely yours as the licensed adjuster using the platform.

No output from AdjusterOS Pro — including AI-generated letters, estimate drafts, or correspondence — constitutes legal advice, insurance advice, or a professional opinion. All outputs must be reviewed by you before use and submitted under your professional authority, not the platform's.

As a public adjuster, independent adjuster, or claims professional, you are required by most state insurance departments to display your license number on all contracts, correspondence, and public-facing communications. This requirement exists to protect policyholders and to confirm your authority to act.

AdjusterOS Pro provides a settings panel where you can enter your license number, license state, and license expiration date. When you generate correspondence, estimates, or contracts through the platform, your license number will be included in the output automatically. You are responsible for ensuring this information is accurate and current.

If you operate in multiple states, you may enter each state license separately. The platform will use the license corresponding to the state of loss when generating documents, if that information is available on the claim.

Most states require that public adjuster engagements be governed by a written contract that includes specific disclosures. Common requirements across states include:

• Your full legal name and license number
• The states in which you are licensed
• Your fee schedule or compensation rate, expressed as a dollar amount or percentage of settlement
• The policyholder's right of rescission, with the required notice period stated in the statutory language of the governing state
• A clear description of the services you will perform
• The claim or property to which the engagement relates
• Signature lines for both parties and the date of execution

The e-sign feature in AdjusterOS Pro supports all of these elements. You are responsible for ensuring that the contract template you use in the platform meets the specific requirements of the state governing the engagement. The platform does not automatically validate contracts against state law requirements.

The following is a non-exhaustive reference for states where independent and public adjusters frequently work. Requirements change. Verify current requirements with the relevant state insurance department before relying on any guidance listed here. The links below go to the official state insurance department websites.

Working in a state not listed here? The National Association of Public Insurance Adjusters (NAPIA) and the National Association of Independent Insurance Adjusters (NAIIA) maintain current licensing requirements for all states. Your state insurance department's website is the authoritative source.

After a declared state of disaster or federal disaster declaration, many states activate emergency licensing provisions that allow out-of-state adjusters to work within their borders. These provisions vary significantly: some are automatic with notification, others require a formal application, and some cap the duration at thirty or sixty days.

Before deploying to a CAT event in a state where you are not currently licensed, verify the active emergency licensing rules with that state's insurance department. The platform's license settings allow you to note temporary license status and expiration dates per state so that your documents reflect current authority.

Licensed adjusters have an obligation under state law and professional ethics to report suspected insurance fraud. Using AdjusterOS Pro to document or process a claim you know or reasonably suspect to be fraudulent may expose you to license revocation, civil liability, and criminal prosecution.

The platform's document intelligence and pattern detection features may flag inconsistencies in submitted documentation. These flags are informational. Acting on them — or not acting on them — is your professional decision.

Public adjuster fees are regulated in most states. Common frameworks include percentage-of-settlement caps, flat-fee structures, and hourly rate disclosure requirements. Several states impose lower fee caps on claims involving declared disasters or vulnerable policyholders.

The estimate and contract features in AdjusterOS Pro support fee disclosure fields. You are responsible for ensuring your disclosed fee complies with the law of the state governing the engagement. The platform does not enforce fee caps and will not prevent you from entering a non-compliant fee amount.

This page is a reference, not legal advice. If you have questions about your specific licensing obligations in a specific state for a specific engagement, consult a licensed attorney who practices in insurance regulation in that state.

If you have questions about how AdjusterOS Pro's features support compliance with these requirements, contact support@agentiqly.io.