Licensure & State Disclosures
Every public adjuster licence held, in all 18 states, and the states that regulate when and how a public adjuster may contact you. Nothing here needs to be taken on trust — each licence can be checked against the named regulator’s own public lookup.
Who is licensed, and where
Public adjusting services are provided by William J. Addis, individually licensed in all 18 states below. Resolution Claims Consulting, LLC holds a public adjusting firm licence in 4 of them — Colorado, Illinois, Minnesota, Rhode Island. In the other 14 states the firm is not a licensed public adjuster, and representation there is by William J. Addis individually rather than by the LLC. Kentucky law currently bars public adjusters from negotiating with insurers (KRS 304.9-4331(7)), so we are not accepting Kentucky claims at this time.
| State | Individual licence William J. Addis | Firm licence Resolution Claims Consulting, LLC | Regulator |
|---|---|---|---|
| Colorado | #559485 | #803346 | Colorado DORA Division of Insurance |
| Illinois | #18667143 | #3002593563 | Illinois Department of Insurance (IDOI) |
| Kansas | #18667143 | Not firm-licensed | Kansas Insurance Department |
| Kentucky | #1076611 | Not firm-licensed | Kentucky Department of Insurance |
| Minnesota | #40771302 | #40893260 | Minnesota Department of Commerce |
| Missouri | #8428075 | Not firm-licensed | Missouri Department of Commerce and Insurance |
| Nebraska | #18667143 | Not firm-licensed | Nebraska Department of Insurance |
| Nevada | #3876040 | Not firm-licensed | Nevada Division of Insurance |
| Ohio | #1743364 | Not firm-licensed | Ohio Department of Insurance |
| Oklahoma | #3001586244 | Not firm-licensed | Oklahoma Insurance Department |
| Pennsylvania | #1262857 | Not firm-licensed | Pennsylvania Insurance Department |
| Rhode Island | #3003745104 | #3003758028 | RI Department of Business Regulation — Insurance Division |
| South Carolina | #18667143 | Not firm-licensed | SC Department of Insurance (SCDOI) |
| Tennessee | #3003380591 | Not firm-licensed | TN Dept. of Commerce and Insurance (TDCI) |
| Texas | #2784759 | Not firm-licensed | Texas Department of Insurance (TDI) |
| Utah | #1084108 | Not firm-licensed | Utah Insurance Department |
| Washington | #1320332 | Not firm-licensed | Washington Office of the Insurance Commissioner (OIC) |
| Wisconsin | #18667143 | Not firm-licensed | Wisconsin Office of the Commissioner of Insurance (OCI) |
Solicitation rules by state
Several states regulate when and how a public adjuster may contact a policyholder. Those rules are set out below for every state that imposes one. They govern active outreach — telephone, in-person and direct mail. A page you found on your own, or a guide you chose to download, is not solicitation.
Colorado
No fee may be required, demanded, or accepted before the claim is settled. (C.R.S. §10-2-417)
Illinois
No solicitation between 7:00 p.m. and 8:00 a.m. by phone or in person, and no solicitation while the loss is occurring or the fire department is engaged at the premises. (215 ILCS 5/Art. XLV; 50 Ill. Adm. Code 3118)
Kentucky
The insurer must be notified of the representation within 72 hours. (KRS ch. 304, subtit. 9)
Not accepting Kentucky claims at this time.
Missouri
The policyholder has a three-business-day right to cancel the representation contract. (RSMo §§325.005–325.070)
Oklahoma
No solicitation during the loss-producing event. (36 O.S. §6223(H))
South Carolina
Only a licensed public adjuster may solicit an insured. (S.C. Code § 38-92-20(A))
Texas
Solicitation permitted only 9:00 a.m.–9:00 p.m. Monday through Saturday, and noon–9:00 p.m. Sunday. (Tex. Ins. Code ch. 4102; 28 TAC §§19.708, 19.713)
Washington
No post-disaster solicitation bar, waiting period, or cooling-off period applies to public adjusters, and there is no public-adjuster advertising rule. Verified against primary sources 2026-08-05. (RCW 48.17; WAC 284-17; WAC 284-30)
Kansas, Minnesota, Nebraska, Nevada, Pennsylvania, Rhode Island, Tennessee, Utah. No public-adjuster-specific solicitation-timing restriction was identified in these states. That is a statement about what the research found, not a legal opinion that no restriction exists — confirm with the state regulator if it matters to you.
Ohio. Licensure is disclosed above. Solicitation rules for this state have not been verified against primary sources, so no statement is made about them here.
Wisconsin. Licensure is disclosed above. Solicitation rules for this state have not been verified against primary sources, so no statement is made about them here.
Where a public adjuster cannot act for you
These restrictions matter more than any fee figure: they decide whether a public adjuster may lawfully take your claim at all.
Kansas
Kansas licenses public adjusters for commercial first-party claims only. A Kansas residential homeowner cannot be represented by a public adjuster in Kansas — including me. If you are a Kansas homeowner, contact the Kansas Insurance Department, which helps policyholders with claims at no cost and takes no percentage of any recovery. (K.S.A. 40-5502(o))
Fee limits by state
A public adjuster is paid a percentage of the claim, agreed in writing before any work begins. Some states cap that percentage by statute; others leave it to the written contract. Where a state sets no cap, that means the fee is negotiated — not that it is unlimited in practice. Figures below are statutory maximums, not the rate charged.
| State | Standard claims | Catastrophe / special |
|---|---|---|
| Colorado | No statutory cap | 10% (declared) |
| Illinois | 10% residential | 10% |
| Kansas | No statutory cap | No separate catastrophe cap |
| Kentucky | 15% non-cat | 10% catastrophic |
| Minnesota | No statutory cap | No statutory cap |
| Missouri | 20% | 10% (1-yr post emergency) |
| Nebraska | No statutory cap | 10% catastrophic |
| Nevada | No statutory cap | No statutory cap |
| Oklahoma | No statutory cap (private) | 10% government-entity claims only |
| Pennsylvania | No statutory cap | No statutory cap |
| Rhode Island | No statutory cap | 10% (catastrophic) |
| South Carolina | No statutory cap | No separate catastrophe cap |
| Tennessee | 15% if pre-offer contract | No separate catastrophe cap |
| Texas | 10% | 10% |
| Utah | No statutory cap | No separate catastrophe cap |
| Washington | No statutory cap | No statutory cap |
Oklahoma. There is no statutory cap on private property claims. The 10% cap applies only to claims against a government entity. (36 O.S.; HB 1501 (eff. 11/1/2025))
Ohio. Licensure is disclosed above. Fee rules for this state have not been verified against primary sources, so no figure is stated here.
Wisconsin. Licensure is disclosed above. Fee rules for this state have not been verified against primary sources, so no figure is stated here.
Who wrote this, and what we get out of it
Public adjusting work is performed by William J. Addis, individually licensed as a public adjuster in 18 states. Resolution Claims Consulting, LLC is licensed as a public adjusting firm in Colorado, Illinois, Minnesota and Rhode Island only; where the firm is not licensed, representation is by William J. Addis individually. Every licence number is published here and can be verified with the state regulator. Like nearly all public adjusters, we are paid a percentage of the claim, agreed in writing before any work begins and subject to any applicable state limit. The guides are free and there is no charge for a review. You should weigh that interest when reading anything here.
Free help exists too. Every state’s Department of Insurance assists policyholders with claims at no cost and takes no percentage of your recovery, and will confirm whether anyone contacting you is actually licensed — including us. Verify any public adjuster before hiring them.
This is general information, not advice. It is not legal advice, not an interpretation of your policy, and we are not a law firm. You have the right to negotiate your own claim directly with your insurer and the right to consult an attorney; you are not required to hire a public adjuster.
Our role, when we are engaged, is to help policyholders reach a fair and reasonable settlement of a covered loss under the terms of their own policy. Each claim turns on its own facts, policy language and jurisdiction. Kansas readers: under K.S.A. 40-5500 et seq., Kansas public adjusters are limited to first-party commercial property claims and may not represent residential homeowners.