State legal field guides for property claims.
Statutory clocks, prompt-payment penalties, bad-faith posture, and suit limitations, one state at a time. Each guide names the code sections and the traps that close files early.
The library grows week by week. For the state-by-state view, start at the state deadline library.
State legal
Virginia Makes the Roofer's Unlicensed Work Your License Problem
Virginia's new § 38.2-1845.24 puts unlicensed-practice exposure on the licensed public adjuster, while the only Bureau of Insurance guidance on where the line falls predates the amendment by two years.
4 min read
State legal
Louisiana Banned the Anti-Public-Adjuster Clause, Then Exempted the Policies That Carry It
La. R.S. 22:1274 bans anti-public-adjuster policy clauses and then exempts commercial surplus lines policies. Texas and Massachusetts name non-admitted carriers; New York names nothing, and a federal court enforced the clause to judgment.
9 min read
State legal
A Roofer's Lead Voids Your Illinois PA Contract Under 5/1515(e)
Illinois Bulletin 2026-02 reads 215 ILCS 5/1510 to capture roofer lead generators, and 5/1515(e) voids the public adjuster contract that follows.
4 min read
State legal
Chapter 187 Bans Six Verbs. Only One Gets You Into 93A.
Massachusetts Chapter 187 voids anti-public-adjuster endorsements reaching six verbs, but only "hiring" becomes an unfair claim settlement practice that opens the c.93A damages door.
7 min read
State legal
FIGA Won't Pay the Fee Line. Which Check Is Your Commission On?
Florida's Second District held that a negotiated attorney's fee line is not within the coverage, and so not a covered claim after an insolvency. A same-day Third District remand shows what happens to a public adjuster's commission bundled into the attorney's check.
2 min read
State legal
Arizona Interest Runs From the Day the Claim Arrived
Arizona's claim-handling rule sets clocks for everything except payment. The payment clock is statutory, and its interest penalty accrues from the date of receipt rather than from day thirty-one.
8 min read
State legal
Mulready Subpoenaed Over the State Farm Roof-Claim Examination
Two subpoenas duces tecum command Oklahoma's insurance commissioner and his custodian of records to produce the department's State Farm roof-claim examination file. 36 O.S. § 309.4(F) says those working papers are not subject to subpoena.
4 min read
State legal
TDI Told the Governor That Insurers Aren't Denying Claims in Writing
Commissioner Crawford's September 14 memo carries a dozen legislative considerations. Abbott's press release names five of them as statutory options. The missing one says many insurers never affirmatively accept or reject a claim, and Section 542.056 explains why that works.
8 min read
State legal
California's Smoke Damage Act Doesn't Bind Until January 1, 2027
AB 1795's enrolled text dropped the urgency clause earlier drafts carried and made the act operative only if AB 1642 is effective by January 1, 2027. What that leaves on a California smoke file: a ZIP-code presumption, three 30-day clocks, section 2057 interest, and a certification duty that lands on the public adjuster too.
4 min read
State legal
What Ohio's Property Insurance Claim Deadlines Are Actually Good For
Ohio Adm.Code 3901-1-54 puts real 15, 21, 45 and 10-day duties on carriers and attaches no remedy to any of them. The levers that still work are policy construction, suit-limitation waiver, an R.C. 3901.22(A) hearing demand, and bad faith proved on the investigation.
9 min read
State legal
Texas's SB 458 Appraisal Rules Missed Their Own September 1 Date
TDI proposed 28 TAC §§5.9800–5.9806 in April 2026 and never filed an adoption, so the September 1, 2026 compliance date written into the rules has already passed. What actually governs a Texas appraisal demand right now is the policy clause, ch. 1813, and existing case law.
4 min read
State legal
The Ida Stay Is a Contested Motion, and the Record Decides It
Transportation Consultants affirms that Louisiana law blocks arbitration against domestic insurers, but leaves the stay of that litigation to be decided on the Waste Management factors and a factual record.
2 min read
State legal
New Jersey's 12-Month Suit Clock Starts at the Fire, Not the Denial
How Peloso tolling, the N.J.A.C. 11:2-17 clocks, and the absence of a private right of action set the real deadlines on a New Jersey property claim.
10 min read
State legal
Illinois Bulletin 2026-01 Omits 1575(f)(4)’s Assignment Exception
Illinois Company Bulletin 2026-01 quotes 215 ILCS 5/1575(f)(4) without its assignment exception, and your executed contract decides the co-payee question.
2 min read
State legal
Hawaii County Had a Hurricane Warning 42 Hours Before Lala Was One
Hawaii County sat under a Hurricane Warning 42 hours before Lala was classified a hurricane. Memo 2026-7A tells carriers to name the express policy language.
4 min read
State legal
Colorado § 10-4-405(1.2): The Roof Claims Exhibit You May Not See
Colorado's new resilient-roof law buries a standing annual per-carrier wind and hail loss exhibit inside the one rate-filing section homeowners insurers are excepted from, and whether a public adjuster can read it is still open.
8 min read
State legal
TWIA's Draft Bill Turns “Shall” Into “May” in § 2210.575(e)
TWIA's committee forwarded repeal of the multidistrict-litigation judge requirement and Florida-style tort reform to the Board on September 1, 2026. Seven newsrooms covered the meeting. Two named the litigation items. None explained either.
5 min read
State legal
Massachusetts Ch. 187: Audit Your Policies Before Nov. 5
Chapter 187 makes anti-public-adjuster endorsements unenforceable in Massachusetts. The search-and-log procedure for your open surplus-lines files.
3 min read
State legal
Tebele v. Lloyd's: Sprinkler Denial Holds, Agent Pays Only $15,000
South Carolina's Court of Appeals enforced a protective safeguards endorsement against a $2.85M Myrtle Beach fire loss, then held the agent E&O recovery to $15,000 after the jury put 60% of the fault on the insured who signed the application.
4 min read
State legal
Who's Covering the State Farm Documents, and What Each Newsroom Added
Eight newsrooms covered the 31 unsealed State Farm documents in Oklahoma. Who reported the $78.8M figure, who printed the trial dates, and where the accounts diverge — with the broadcast segments embedded.
10 min read
State legal
Massachusetts Bad Faith: The 93A Demand Letter Does Nothing on a Commercial File
Chapter 176D § 3(9) sets no day counts. The only fixed period in the Massachusetts scheme is the thirty days that follow a c. 93A § 9(3) demand letter, and a business insured suing under § 11 never gets it.
4 min read
State legal
State Farm's Hail Playbook Is Now Public Record in Oklahoma
A Comanche County judge unsealed 31 internal State Farm documents on August 20, 2026. What they say about roof-approval targets, and what Oklahoma homeowners with denied claims should check first.
9 min read
State legal
California's 60% Contents Advance: When the New Rule Pays Less
SB 495 raised California's emergency contents advance to 60 percent of the personal property limit. Because the base moved from Coverage A to Coverage C, the advance is smaller wherever contents coverage is under half the dwelling limit.
4 min read
State legal
Colorado Property Insurance Claim Deadlines: A Public Adjuster's 2026 Field Guide
Colorado runs six overlapping property-claim deadlines, from Regulation 5-1-14's 60-day carrier clock to the 2024 Gregory/Runkel notice ruling. A public adjuster's field guide to all six.
9 min read
State legal
North Carolina's Helene Files All Expire in September 2027
North Carolina gives Helene policyholders three years from the date of loss to sue, not the shorter period printed in the policy, and no carrier reopen resets it.
4 min read
State legal
Georgia Property Insurance Claim Deadlines: A Public Adjuster's 2026 Field Guide
A field guide to Georgia's property-claim deadlines: what the state makes carriers do, when a bad-faith demand unlocks penalties under O.C.G.A. § 33-4-6, and the policy suit-limit that quietly bars claims.
7 min read
State legal
Florida Hurricane Claim Deadlines After Milton: The One Clock Still Running
Florida gives supplemental claims 18 months and reopened claims only 12, and the split turns on whether the carrier's file was open. With every 2024 storm window now shut, what is left is the five-year contract clock and a new Fourth DCA ruling on carrier delay.
9 min read
State legal
Louisiana Hurricane Claim Deadlines: The 60-Day Cure Notice and the Two-Year Window
Since July 1, 2024, Louisiana hurricane claims run on R.S. 22:1892.2, not the 30-day track most deadline guides still publish. The clocks, the mandatory cure period notice, and the clause that suspends prescription.
8 min read
State legal
New York Property Insurance Claim Deadlines: A Public Adjuster's 2026 Field Guide
In New York the deadline that ends a property claim is not a prompt-pay statute — it is the standard fire policy's 24-month suit limit, running from the date of loss.
7 min read
State legal
California Bad-Faith Insurance Claims: What the 2025 Rulings Mean for Your Files in 2026
Three 2025 appellate decisions reshaped California bad-faith exposure for carriers — and the evidence standard for public adjusters working smoke, fire, and title claims. Here's what changed and when your SOL clock runs out.
7 min read
State legal
Florida Property Insurance Claim Deadlines and Bad-Faith Protections: 2026 Field Guide
A working calendar for Florida property losses after SB 2-A and HB 837: the one-year notice rule, the 7/30/60 carrier deadlines, § 627.70152 pre-suit notice, and how the bad-faith landscape changed.
8 min read