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Public adjusters roll out voluntary national code of conduct for claims
The voluntary Public Adjusting Code of Professional Conduct (PA COPC) covers areas like evidence, client communication, and conflicts of interest, as catastrophe losses drive demand.
Insurance Business reports that a coalition of more than 16 public adjusters, insurance attorneys, and industry professionals has launched a voluntary national code of conduct to standardize expectations for public adjusters across the United States.
The Public Adjusting Code of Professional Conduct, or PA COPC, is designed for adoption by state insurance regulators, professional associations, and individual practitioners. It addresses topics including competence, continuing education, supervision, evidence, conflicts of interest, solicitation, client communication, and accountability.
The initiative comes as public adjuster regulation is largely handled at the state level, where rules can differ, which can be especially relevant in complex property losses with multiple advisers involved. Insurance Business notes the code builds on existing frameworks, including the NAIC Public Adjuster Licensing Model Act and ethical requirements from the National Association of Public Insurance Adjusters.
The push also reflects pressure on catastrophe-heavy markets after another costly year for property claims. Insurance Business cites global insured catastrophe losses of $129.0 billion in 2025, with the US accounting for 78.0% of that total, highlighting the backdrop for increased public adjusting activity and concerns about unscrupulous actors.