NYPAA Rules of Professional Conduct and Ethics

  1. Members shall conduct themselves in a spirit of fairness and justice to their clients, the Insurance Companies, and the public.
  2. Members shall refrain from improper solicitation.
  3. No misrepresentation of any kind shall be made to an insured or to the insurance company.
  4. Commission rates shall be fair and equitable and strictly in accordance with customs in New York State and must, where laws or regulations or the Insurance Department exist, comply fully with such laws or regulations.
  5. Members shall conduct themselves so as to command respect and confidence. They shall work in harmony with one another, with their clients, and the insurance company’s representatives, so as to foster a cordial and harmonious relationship with all branches of the insurance industry and with the general public.
  6. Members must be fitted, by knowledge and experience, for the work they undertake.They must not endanger the interests of the Public Adjusting Profession, or risk injustice to assureds or to the Insurance Companies, by attempting to handle claims for which they are not qualified, and for which they cannot find competent technical assistance.
  7. Members shall not engage in the unauthorized practice of law.
  8. Members shall not acquire any interest in salvaged property or participate in any way, directly or indirectly in the reconstruction, repair, or restoration of damaged property, except with the knowledge, consent, and permission of the insured.
  9. Members shall be cooperative and assist one another whenever possible.
  10. Members shall not disseminate or use any form of agreement, advertising, or any printed matter that is harmful to the profession of Public Adjusting, or which does not comply with the rules and regulations of the New York State Insurance Department, or which may subject Public Adjusting or Public Adjusters to criticism or disrespect.