,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #baef  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,may #bc1 #bjac ,mr4  
,f9*] 7= himself1 ,mrs4 ,blackburn1 &   
,mr4 ,tib]i7 introduc$ ! foll[+ bill2   
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,a ,,bill  ,to      
enc\rage uni=mity & reciprocity among   
,/ates t lic5se insurance claims adju/]s
 & to facilitate prompt & effici5t      
adju/+ ( insurance claims 9 ! case (    
natural & o!r disa/]s & losses1 & = o!r 
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,claims ,lic5s+ ,advancem5t
 = ,int]/ate ,matt]s ,act or ! ,,claim  
,act4  #b4 ,model lic5s+ act ,to promote
 ! policy ( robu/ consum] protection = &
 m effici5t int]/ate adju/+ ( prop]ty1  
casualty1 disability1 or work]s'        
comp5sation claims1 ! ,congress h]eby   
urges ! ,national ,association (        
,insurance ,commission]s to adopt a     
model indep5d5t claims adju/] lic5s+    
,act t--  7#a7 conta9s basic /&>ds = !  
integrity1 p]sonal qualifications1      

education1 tra9+1 & exp]i5ce requir$ (  
indep5d5t claims adju/]s1 includ+       
cont9u+ education requirem5ts & e?ics   
c\rse requirem5ts2 &  7#b7 does n impose
 any limitation or condition ^u any     
indep5d5t claims adju/] to be lic5s$ or 
o!rwise au?oriz$ to d bus9ess 9 a ,/ate 
because ( 8 or h] /atus z a non-resid5t 
( t ,/ate4  #c4 ,multi-,/ate exam9ation 
7a7 ,e/abli%m5t ,! ,congress h]eby urges
 ! ,,naic to adopt & adm9i/] a          
multi-,/ate exam9ation = an indep5d5t   
claims adju/] seek+ to adju/ claims 9 a 
jurisdiction o!r ?an 8 or h] home ,/ate4
  7b7 ,exam9ee eligibility ,! ,,naic may
 require t1 z a condition = tak+ a      
multi-,/ate exam9ation adm9i/]$ pursuant
 to ?is section1 ! exam9ee %all--  7#a7 
be duly lic5s$ z an indep5d5t claims    
adju/] by 8 or h] home ,/ate2  7#b7 meet
 su* integrity1 degree1 tra9+1 &        
exp]i5ce requirem5ts z ! ,,naic consid]s
 necess>y2 &  7#c7 meet any cont9u+     
education requirem5ts z e/abli%$ by 8 or
 h] home ,/ate4  7c7                    

,cross-,jurisdiction compet5cy ,any     
multi-,/ate exam9ation adm9i/]$ pursuant
 to ?is section %all require adju/]s to 
demon/rate ess5tial compet5ce )         
cross-jurisdictional legal & regulatory 
concepts1 & %all include su* e?ics & o!r
 te/+ z ! ,,naic deems necess>y4  #d4   
,/ate au?orities ,no?+ 9 ?is ,act %all  
be con/ru$ to--  7#a7 require a ,/ate t 
does n h lic5s+ requirem5ts = indep5d5t 
claims adju/]s to adopt any su*         
requirem5ts2  7#b7 subject to section   
#f1 limit ! "r ( a ,/ate to e/abli%     
lic5s+ fees or en=ce its laws reg>d+ !  
adju/+ ( insurance claims1 provid$ t su*
 fee is uni=m reg>dless ( ! ,/ate (     
resid5ce ( ! lic5see2 or  7#c7 affect ! 
jurisdiction & au?ority ( a ,/ate       
insurance regulator to prescribe & en=ce
 its insurance laws1 rules1 &           
regulations regulat+ indep5d5t claims   
adju/] activity 9 its jurisdiction4  #e4
 ,int]/ate claims adju/+ lic5s+ re=ms   
7a7 ,9 g5]al ,a ,/ate is 9 compliance ) 
! requirem5ts ( ?is subsection1 &       

section #f %all n apply ) respect to su*
 ,/ate1 if be=e ! expiration ( ! #d-ye> 
p]iod beg9n+ on ! date ( ! enactm5t (   
?is ,act ! ,/ate has enact$ & has 9     
effect--  7#a7 9 ! case only ( a ,/ate t
 requires & issues lic5ses = indep5d5t  
claims adju/]s1 laws & regulations      
gov]n+ individuals & entities au?oriz$  
to op]ate z indep5d5t claims adju/]s )9 
! ,/ate t are functionally equival5t 9  
mean+ & effect to ^? "u any model act   
develop$ pursuant to section #b2 &  7#b7
 laws & regulations gov]n+ non-home     
,/ate individuals & entities op]at+ z   
indep5d5t claims adju/]s )9 t ,/ate t   
provide = ! reciprocity requir$ "u      
subsection 7c7 ) o!r ,/ates4  7b7       
,uni=mity requirem5ts ,a ,/ate t lic5ses
 indep5d5t claims adju/]s %all be deem$ 
to h e/abli%$ ! uni=mity ref]r$ to 9    
subsection 7a77#a7 if x has enact$ &    
adh]es to crit]ia = ! lic5s+ &          
au?orization ( adju/]s t are            
functionally equival5t 9 mean+ & effect 
to ^? set =? 9 a model act e/abli%$     

pursuant to section #b4  7c7            
,reciprocity requirem5ts ,! laws &      
regulations ( a c]ta9 ,/ate %all be     
consid]$ to provide = ! reciprocity     
requir$ "u ?is subsection only if su*   
laws & regulations--  7#a7 d n require  
lic5sure ( indep5d5t claims adju/]s2 or 
7#b7 p]mit any indep5d5t claims adju/]  
:o has a lic5se 9 ano!r ,/ate t is !    
adju/]'s home ,/ate to obta9            
au?orization to engage 9 ! bus9ess (    
adju/+ 9 su* c]ta9 ,/ate z a non-resid5t
 to ! same ext5t t su* adju/] is p]mitt$
 to practice 9 ! adju/]'s home ,/ate1   
)\t satisfy+ any additional requirem5ts 
o!r ?an1 if requir$ "u applicable law1  
to submit--  7,a7 pro( ( be+ lic5s$ 9   
good /&+ 9 ! adju/]'s home ,/ate2       
,provid$1 ,t su* home ,/ate has enact$  
laws & regulations gov]n+ individuals & 
entities au?oriz$ to op]ate z indep5d5t 
claims adju/]s )9 su* home ,/ate t are  
functionally equival5t 9 mean+ & effect 
to ^? "u any model act develop$ pursuant
 to section #b2 &  7,b7 paym5t ( any    

requisite fee to ! appropriate au?ority 
( ! c]ta9 ,/ate2 ,provid$1 ,t ! am\nt ( 
su* fee does n exce$ any fee requir$ to 
be paid by an adju/] ^: home ,/ate is   
su* c]ta9 ,/ate4  7d7 ,,naic det]m9ation
  7#a7 ,det]m9ation ,a ,/ate %all be    
consid]$ to be 9 compliance ) subsection
 7a7 = purposes ( ?is ,act if ! ,,naic  
det]m9es t1 be=e ! expiration ( ! #d-ye>
 p]iod beg9n+ on ! date ( enactm5t ( ?is
 ,act1 ! ,/ate is 9 compliance ) !      
requirem5ts "u su* subsection4  7#b7    
,cont9u$ review ,) respect to any ,/ate 
t ! ,,naic has det]m9$ to be 9          
compliance ) ! requirem5ts ( subsection 
7a71 ! ,congress h]eby urges ,,naic to  
cont9ue to review & det]m9e su* ,/ate's 
compliance ) ! requirem5ts ( subsection 
7a7 on an annual basis4 ,if ! ,,naic    
det]m9es at any "t t a ,/ate no long] is
 9 compliance ) ! requirem5ts (         
subsection 7a71 section #f %all apply ) 
respect to su* ,/ate4  7#c7 ,judicial   
review ,! appropriate ,unit$ ,/ates     
,di/rict ,c\rt %all h exclusive         

jurisdiction ov] any *all5ge aris+ "u   
?is section4 ,! c\rt %all apply ! /&>ds 
set =? 9 section #gjf ( title #e1 ,unit$
 ,/ates ,code1 9 review+ any su*        
*all5ge4  #f4 ,au?ority = int]/ate      
claims adju/+  7a7 ,au?ority ,9 ! case (
 any ,/ate t requires & issues lic5ses =
 indep5d5t claims adju/]s b is n 9      
compliance ) section #e7;a71 aft] !     
expiration ( ! #d-ye> p]iod beg9n+ on ! 
date ( ! enactm5t ( ?is ,act1 an        
indep5d5t claims adju/] & ! adju/]'s    
employ] may asc]ta91 det]m9e1 negotiate1
 or settle a claim 9 su* ,/ate1 b only  
if ! adju/] meets ! foll[+ requirem5ts3 
7#a7 ,! indep5d5t claims adju/] holds a 
valid su* lic5se 9 8 or h] home ,/ate4  
7#b7 ,if ! ,,naic has e/abli%$ &        
adm9i/]s a multi-,/ate exam9ation       
pursuant to section #c1 ! adju/] has    
pass$ su* exam9ation4  7b7 ,prohibition 
( additional ,/ate requirem5ts ,an      
indep5d5t claims adju/] au?oriz$ "u     
subsection 7a7 to inve/igate1 evaluate1 
negotiate ! resolution ( a claim 9 a    

,/ate t is n 9 compliance ) section #e  
%all n be subject to any additional     
lic5sure or o!r requirem5ts f su* ,/ate 
9 ord] to adju/ claims & o!rwise act z  
an indep5d5t claims adju/] 9 su* ,/ate4 
#g4 ,accel]at+ claims adju/+ ( losses   
caus$ by natural or o!r disa/]s  7a7    
,au?ority to adju/ ,an indep5d5t claims 
adju/] meet+ ! requirem5ts ( subsection 
7b7 may adju/ claims = losses relat$ to 
any natural or o!r disa/]1 occurr+ 9 any
 jurisdiction1 t has be5 designat$ by ! 
,presid5t z a major disa/] pursuant to  
section #dja ( ! ,rob]t ,t4 ,/af=d      
,disa/] ,relief & ,em]g5cy ,assi/ance   
,act 7#db ,u4,s4,c4 #eagj7 not)/&+ !    
lic5sure requirem5ts ( ! ,/ate 9 :i* !  
disa/] area = ! major disa/] is locat$ &
 not)/&+ ! requirem5ts "u section #f (  
?is ,act = int]/ate claims lic5s+4  7b7 
,adju/] requirem5ts ,! requirem5ts "u   
?is subsection ) respect to an indep5d5t
 claims adju/] are z foll[s3  7#a7 ,/ate
 lic5se ,! adju/] holds a valid lic5se z
 an indep5d5t claims adju/] 9 8 or h]   

home ,/ate 7:e!r actual or designat$1   
pursuant to section #h7;a77#a774  7#b7  
,multi-/ate exam9ation ,if ! ,,naic has 
adopt$ & adm9i/]s a multi-,/ate         
exam9ation pursuant to section #c1 !    
adju/] has pass$ su* an exam9ation4  #h4
 ,def9itions ,= purposes ( ?is ,act1 !  
foll[+ def9itions %all apply3  7#a7     
,home ,/ate  7,a7 ,actual ,! t]m home   
,/ate means1 ) respect to an indep5d5t  
claims adju/]1 ! ,/ate 9 :i* ! adju/]   
ma9ta9s 81 h]1 or its pr9cipal place (  
resid5ce or bus9ess & is lic5s$ z an    
indep5d5t claims adju/]4  7,b7          
,designat$ ,if ! ,/ate 9 :i* an         
indep5d5t claims adju/] ma9ta9s 8 or h] 
pr9cipal place ( resid5ce or bus9ess    
does n issue an indep5d5t claims adju/] 
lic5se = ! l9e or l9es ( au?ority s\ght1
 su* t]m means any o!r ,/ate 9 :i* !    
indep5d5t claims adju/] is s lic5s$ & t 
is designat$ by su* adju/] z 8 or h]    
home ,/ate4  7#b7 ,indep5d5t claims     
adju/] ,! t]m indep5d5t claims adju/]   
means an individual1 o!r ?an a public   

adju/]1 :o und]takes on behalf ( insur]s
 or self-insur]s to inve/igate1         
evaluate1 & negotiate ! resolution ( !  
am\nt ( a prop]ty1 casualty1 disability1
 or work]s' comp5sation claim1 loss1 or 
damage on behalf ( an insurance policy  
or insur] or z a ?ird-p>ty on behalf ( a
 self-insur]4 ,su* t]m includes company 
or /aff adju/]s1 :o are individuals1 o!r
 ?an a public adju/]1 employ$ by prop]ty
 casualty insur]s & und]take to         
inve/igate1 evaluate1 & negotiate !     
resolution ( a prop]ty1 casualty1       
disability1 or work]s' comp5sation      
claim1 loss1 or damage on behalf ( an   
insurance policy or insur]4  7#c7 ,naic 
,! t]m ,,naic means ! ,national         
,association ( ,insurance ,commission]s4
  7#d7 ,public adju/] ,! t]m public     
adju/] means any p]son :o1 = comp5sation
 or any o!r ?+ ( value1 on behalf ( !   
insur$ acts1 aids1 adv]tises1 or        
solicits bus9ess to asc]ta91 det]m9e1   
negotiate1 or settle ! am\nt ( a claim1 
loss1 or damage1 solely 9 relation to   

fir/ p>ty claims aris+ "u contracts t   
insure ! real or p]sonal prop]ty ( !    
insur$4  7#e7 ,/ate ,! t]m ,/ate means !
 ,/ates ( ! ,unit$ ,/ates1 ! ,di/rict ( 
,columbia1 ! ,commonweal? ( ,pu]to      
,rico1 ! ,commonweal? ( ! ,nor!rn       
,m>iana ,isl&s1 ,guam1 ! ,virg9 ,isl&s1 
,am]ican ,samoa1 & any o!r t]ritory or  
possession ( ! ,unit$ ,/ates4  7#f7     
,/ate law ,! t]m ,/ate law includes all 
laws1 decisions1 rules1 regulations1 or 
o!r ,/ate action ( any ,/ate hav+ !     
effect ( law2 & a law ( ! ,unit$ ,/ates 
applicable only to ! ,di/rict (         
,columbia %all be treat$ z a ,/ate law r
 ?an z a law ( ! ,unit$ ,/ates4