,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #djcg  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #be1 #bjai,mr4  
,ku/(f ( ,t5nessee 7= himself & ,mr4    
,fo/]7 introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,f9ancial     
,s]vices1 & 9 addition to ! ,committee  
on ,agriculture1 = a p]iod to be        
subsequ5tly det]m9$ by ! ,speak]1 9 ea* 
case = consid]ation ( su* provisions z  
fall )9 ! jurisdiction ( ! committee    
conc]n$  ,a ,,bill  ,to promote uni=mity
 & reciprocity among ,/ates t lic5se    
insurance claims adju/]s & to facilitate
 prompt & effici5t adju/+ ( insurance   
claims1 & = o!r purposes4  #a4 ,%ort    
title ,?is ,act may be cit$ z ! ,claims 
,lic5s+ ,advancem5t = ,int]/ate ,matt]s 
,act or ! ,,claim ,act4  #b4 ,/ate      
flexibility 9 multi/ate adju/] lic5s+   
re=ms  7a7 ,9 g5]al ,section #d1 or 9 ! 
case ( crop adju/+ section #f1 %all take
 effect ^u ! expiration ( ! #d-ye> p]iod
 beg9n+ on ! date ( ! enactm5t ( ?is    
,act unless1 be=e ! expiration ( su*    

p]iod1 ^? ,/ates t lic5se indep5d5t     
claims adju/]s h enact$--  7#a7 uni=m   
laws & regulations gov]n+ ! lic5sure (  
individuals & entities au?oriz$ to adju/
 insurance claims )9 ! ,/ate2 &  7#b7   
reciprocity laws & regulations gov]n+ ! 
lic5sure ( nonresid5t individuals &     
entities au?oriz$ to adju/ insurance    
claims )9 ^? ,/ates4  7b7 ,uni=mity     
requir$ ,/ates %all be deem$ to h       
e/abli%$ ! uni=mity necess>y to comply )
 subsection 7a77#a7 if ! ,/ates--  7#a7 
e/abli% uni=m crit]ia reg>d+ !          
integrity1 p]sonal qualifications1      
education1 tra9+1 & exp]i5ce ( lic5s$   
indep5d5t claims adju/]s =--  7,a7      
prop]ty & casualty insurance2  7,b7     
work]s comp5sation insurance2  7,c7 crop
 insurance 7to ! ext5t t a ,/ate lic5ses
 crop insurance adju/]s2 &  7,d7 su* o!r
 l9es z a ,/ate may *oose to regulate2  
7#b7 e/abli% uni=m cont9u+ education    
requirem5ts = lic5s$ indep5d5t claims   
adju/]s = ea* l9e ( insurance "u        
p>agraph 7#a7 t a ,/ate *ooses to       

regulate2  7#c7 e/abli% uni=m e?ics     
c\rse requirem5ts = lic5s$ indep5d5t    
claims adju/]s 9 conjunction ) ! cont9u+
 education requirem5ts "u p>agraph 7#b72
  7#d7 d n impose any requirem5t ^u any 
indep5d5t claims adju/] to be lic5s$ or 
o!rwise qualifi$ to d bus9ess z a       
nonresid5t t has ! effect ( limit+ or   
condition+ t indep5d5t claims adju/]'s  
activities because ( its resid5ce or    
place ( op]ations2 &  7#e7 utilize a    
uni=m lic5se application4  7c7          
,reciprocity requir$ ,/ates %all be     
deem$ to h e/abli%$ ! reciprocity       
requir$ to comply ) subsection 7a77#b7  
if ! foll[+ conditions are met3  7#a7   
,adm9i/rative lic5s+ proc$ures ,ea*     
,/ate t lic5ses indep5d5t claims adju/]s
 p]mits an indep5d5t claims adju/] t has
 a lic5se = adju/+ insurance claims 9 _!
 home ,/ate to receive a lic5se to adju/
 insurance claims 9 ^? o!r ,/ates z a   
nonresid5t to ! same ext5t t su*        
indep5d5t claims adju/] is p]mitt$ to   
adju/ insurance claims 9 _! home ,/ate  

)\t satisfy+ any additional requirem5ts 
o!r ?an submitt+--  7,a7 a reque/ =     
lic5sure utiliz+ ! uni=m lic5se         
application2  7,b7 a copy (1 or evid5ce 
(1 a valid lic5se held by ! adju/] 9 _! 
home ,/ate 7unless su* in=mation is     
available 9 ! ,national ,insurance      
,produc] ,regi/ry ,produc] ,database72 &
  7,c7 ! paym5t ( any requisite fee to !
 appropriate au?ority4  7#b7 ,cont9u+   
education requirem5ts ,ea* ,/ate t      
lic5ses an indep5d5t claims adju/]      
accepts an insurance claims adju/]'s    
satisfaction ( _! home ,/ate's cont9u+  
education requirem5ts = lic5s$ insurance
 claims adju/]s to satisfy ! ,/ate's own
 cont9u+ education requirem5ts4  7#c7   
,no limit+ nonresid5t requirem5ts ,a    
,/ate does n impose any requirem5t ^u   
any indep5d5t claims adju/] to be lic5s$
 or o!rwise qualifi$ to d bus9ess z a   
nonresid5t t has ! effect ( limit+ or   
condition+ t indep5d5t claims adju/]'s  
activities because ( its resid5ce or    
place ( op]ations4  7#d7 ,reciprocal    

reciprocity ,ea* ( ! ,/ates t satisfies 
p>agraphs 7#a71 7#b71 & 7#c7 grants     
reciprocity to resid5ts ( all ( ! o!r   
,/ates t satisfy su* p>agraphs4  7d7    
,compliance  7#a7 ,det]m9ation ,a ,/ate 
%all be consid]$ to be 9 compliance )   
subsection 7a7 = purposes ( ?is ,act if 
! ,/ate1 be=e ! expiration ( ! #d-ye>   
p]iod beg9n+ on ! date ( ! enactm5t (   
?is ,act1 publi%es a f9d+ t x is 9      
compliance ) ! provision4 ,any su*      
publication %all be made foll[+ notice  
by ! ,/ate ( its int5tion to publi% !   
f9d+1 & ! ,/ate's acceptance ( comm5ts  
on ! propos$ f9d+4 ,aft] notice requir$ 
by ?is p>agraph1 a ,/ate ag5cy %all give
 int]e/$ p]sons an opportunity to       
p>ticipate ?r\gh submission ( writt5    
data1 views1 or argum5ts4 ,aft]         
consid]ation ( ! relevant matt] pres5t$1
 ! ag5cy %all incorporate 9 ! f9d+      
adopt$ a concise g5]al /atem5t ( ! basis
 & purpose & %all respond to ! comm5ts x
 receiv$ 9 detail4  7#b7 ,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  #c4 ,/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 #b1 limit ! "r ( a   
,/ate to e/abli% lic5s+ fees or en=ce   
its laws reg>d+ ! adju/+ ( insurance    
claims1 provid$ t su* ,/ate fee is uni=m
 reg>dless ( ! ,/ate ( resid5ce ( !     
lic5see 9 t ,/ate2 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  #d4
 ,au?ority = int]/ate claims adju/+ ,9 !
 case ( any ,/ate t requires & issues   
lic5ses = indep5d5t claims adju/]s 7o!r 
?an crop adju/]s7 b is n 9 compliance ) 

section #b1 aft] ! expiration ( ! #d-ye>
 p]iod beg9n+ on ! date ( ! enactm5t (  
?is ,act1 an indep5d5t claims adju/] may
 apply to ! ,national ,association (    
,regi/]$ ,ag5ts & ,brok]s = ,memb]%ip = 
! purpose ( lic5sure 9 ea* su* ,/ate n 9
 compliance ) section #b1 provid$ t su* 
indep5d5t claims adju/] pays ! requisite
 fees1 includ+ lic5s+ fees4 ,= purposes 
( ?is provision1 ^u su* date an         
indep5d5t claims adju/] %all be det]m9$ 
to be a p]son t negotiates policies (   
insurance & (f]s advice1 c\nsel1 op9ions
 or s]vices relat$ to insurance1 z su*  
t]ms are us$ 9 section #ccd7e7 ( ,public
 ,law #ajf-ajb1 z am5d$ by section      
#bjb7;a7 ( ,public ,law #aad-a 7#ae     
,u4,s4,c4 #fgfd7e72 #abi ,/at4 #bg74    
#e4 ,waiv] ( lic5se r5ewal 9 c]ta9      
circum/ances ,if a natural p]son1 :ile  
lic5s$ or apply+ to be lic5s$ to adju/  
claims pursuant to any ,/ate /atute     
ent]s ! milit>y s]vice ( ! ,unit$ ,/ates
 & is 9 t s]vice at a "t prescrib$ = !  
fil+ ( a r5ewal application or paym5t ( 

a lic5s+ fee1 ! fil+ ( t application & !
 paym5t ( ! fee %all be waiv$1 & !      
lic5se held by t lic5see at ! "t ( 8 or 
h] entry into milit>y s]vice %all rema9 
9 =ce dur+ ! p]iod ( t milit>y s]vice & 
until ! end ( ! lic5se ye> 9 :i* he or  
%e is releas$ f t s]vice1 b n = less ?an
 six mon?s aft] t release4 ,dur+ t      
p]iod1 t p]son may secure a lic5se ( !  
type held by him or h] on 8 or h] entry 
into milit>y s]vice ^u ! fil+ ( an      
application & pay+ ! fee !re= )\t !     
necessity ( tak+ an exam9ation or pay+ a
 p5alty4  #f4 ,crop adju/+ ,9 ! case (  
any ,/ate t requires & issues lic5ses = 
indep5d5t crop insurance adju/]s b is n 
9 compliance ) section #b1 aft] !       
expiration ( ! #d-ye> p]iod beg9n+ on ! 
date ( ! enactm5t ( ?is ,act1 an        
indep5d5t claims adju/] may adju/ claims
 9 su* ,/ate = crop insurance provid$ t 
! crop adju/] has met ! c]tification    
requirem5ts ( ! ,f$]al ,crop ,insurance 
,corporation 9 8 or h] home ,/ate or    
designat$ home ,/ate1 z e/abli%$ by !   

,f$]al ,crop ,insurance ,act 7#g        
,u4,s4,c4 #aeja et seq47 & provid$ t su*
 crop adju/] pays ! requisite fees1     
includ+ ,/ate lic5s+ fee4  #g4          
,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$ ^u hav+ pass$ an 
exam 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 or require an exam9ation z a     
condition = su* lic5sure = ! l9e or l9es
 ( au?ority s\ght1 su* t]m means any o!r
 ,/ate 9 :i* ! indep5d5t claims adju/]  
is s lic5s$ ^u hav+ pass$ an exam & 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 liability1           
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 liability1           
disability1 crop loss1 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  7#c7 ,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$4  7#d7 ,/ate ,! t]m  
,/ate means ! ,/ates ( ! ,unit$ ,/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#e7 ,/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