Solicitation, Catastrophe and Contact Rules
Solicitation items test no-contact periods, disaster restrictions, advertising, referrals, do-not-solicit rules, and consumer protections.
How to study public adjusting
Treat each item as an insured-side claim file: verify covered property and cause, scope the loss, document valuation, disclose the public adjuster role, and avoid conflicts.
Core concepts
Concept 1
Solicitation, Catastrophe and Contact Rules questions reward the answer that follows the policy wording, license authority, and state-specific rule source.
Exam cue: Identify the line of authority, policy form, and governing state rule.
Concept 2
The strongest answer documents the decision path before promising coverage, placement, settlement, or compensation.
Exam cue: Check documentation, disclosure, timing, records, and fee or tax requirements.
Concept 3
Eliminate answers that ignore eligibility, disclosure, records, timing, taxes, conflicts, or unfair-practice constraints.
Exam cue: Choose the compliant answer before the fastest or most sales-oriented answer.
Risk pitfalls and guardrails
Treating every state insurance rule as identical.
Guardrail: Avoid answers that skip statutory prerequisites, ignore documentation, promise unauthorized coverage, or treat state-specific rules as universal.
Skipping required disclosure, documentation, or recordkeeping steps.
Guardrail: Avoid answers that skip statutory prerequisites, ignore documentation, promise unauthorized coverage, or treat state-specific rules as universal.
Choosing a convenient answer that exceeds the license holder's authority.
Guardrail: Avoid answers that skip statutory prerequisites, ignore documentation, promise unauthorized coverage, or treat state-specific rules as universal.
Memory anchors
Catastrophe Period
Catastrophe rules can restrict public adjuster fees, contact timing, or solicitation after a declared event.
No Contact Window
Some states prohibit public adjuster solicitation for a period immediately after a loss or disaster.
Solicitation Hours
Permitted solicitation hours may be limited by statute or regulation.
Advertising Truth
Advertising must not misrepresent license status, affiliation, guarantees, or insurer authority.
No Coercion
Public adjusters should not use intimidation, pressure, or emergency confusion to obtain contracts.
Referral Compensation
Referral fees or repair-contractor relationships may be restricted or require disclosure.
Door To Door
Door-to-door contacts may trigger specific disclosure, cancellation, or consumer-protection requirements.
Insurer Identity
A public adjuster must not imply they are an insurer, government representative, or emergency official.
Consumer Vulnerability
Disaster victims require accurate disclosures, fair timing, and clear contract rights.
License Display
A public adjuster may be required to show license information during solicitation or contract discussions.
Checkpoint rule
Do the check-up only after you can summarize each concept in one sentence and identify one dangerous pitfall from memory.
Knowledge Check (after reading)
Short check-up to confirm understanding of this module.
Check-up Questions
Which interval is within the ordinary Texas solicitation window on both Wednesday and Saturday?
At 11:40 a.m. Sunday, an adjuster begins knocking on doors in a hail-damaged subdivision to seek new clients. How should the timing be evaluated?
Answer all questions to submit.
Next step personalized recommendations
Continue learning
Move forward only after this module is stable.
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