A public adjuster may not: (1) solicit or attempt to solicit an insured during the progress of a loss-producing occurrence; (2) advertise or infer damage unless an inspection of the property has been completed; (3) offer to pay an insured's deductible, or claim that the public adjuster will waive the insured's deductible, as an inducement for the insured to use the public adjuster's services; (4) offer to conduct a free inspection of property other than property that is the subject of an insured's claim; (5) participate directly, indirectly, or through an affiliate, in the reconstruction, repair, or restoration of property that is the subject of the public adjuster's contract with an insured; (6) solicit, accept compensation from, or have an interest in a business that provides a product or service in connection with a claim that the public adjuster has a contract to adjust; (7) have a financial interest in, directly, indirectly, or through an affiliate, an aspect of an insured's claim except for: (a) a salary; (b) a fee; (c) a commission; or (d) other compensation established in the written contract with the insured; (8) collect compensation as provided in a contract without actually performing the service a licensed public adjuster customarily provides for the insured; (9) acquire an interest in a salvage of property except as authorized in a contract with the insured; (10) recommend or direct that the insured obtain a repair or service in connection with a loss from a person: (a) in whom the public adjuster has a financial interest; or (b) from whom the public adjuster may receive direct or indirect compensation for the referral; (11) accept, sign, or endorse a check or payment draft: (a) that does not name the insured as a payee; or (b) on behalf of the insured; (12) adjust a claim if the terms and conditions of the insurance coverage exceed the public adjuster's competence, knowledge, or expertise; (13) represent or act as a company adjuster or independent adjuster on the same claim; (14) enter into a contract or accept a power of attorney that vests in the public adjuster the authority to choose the persons that will perform repair work; (15) agree to a loss settlement without the insured's knowledge or consent; or (16) allow the following to obtain an insured's signature on the public adjuster's contract: (a) a home repair contractor; (b) a roofing company; (c) a disaster clean up company; (d) an appraiser; (e) an inspector; or (f) any other person hired to remedy the damage that is the subject of the insured's claim.
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