Help Stop Pennsylvania House Bill 1972 — Protect Public Adjusters and Policyholders

What HB 1972 Would Do

If passed, House Bill 1972 would:

• Cap all public adjuster fees at 15%, regardless of claim size.

• Limit fees on catastrophic losses to 10%.

• Prohibit contractors from compensating adjusters.

• Extend the cancellation period to 15 business days, giving insurers time to pressure homeowners into cancelling their contracts.

• Allow carriers to speak directly with policyholders without their public adjuster present.

• Add layers of red tape and restrictions that would cripple small adjusting firms.

At first glance, this might sound like reform — but the truth tells a very different story.

Why This Bill Hurts Consumers

According to state data, over 92% of all property insurance claims in Pennsylvania are under $25,000. By capping fees so low, no professional public adjuster could afford to represent the vast majority of these smaller claims.

Without adjuster representation, homeowners will be forced to face billion-dollar insurance companies alone. The result? Billions of dollars in underpaid claims and untold financial hardship for Pennsylvania families, small businesses, and communities recovering from fire, flood, or storm losses.

This bill doesn’t protect consumers — it protects the insurance companies, and it does so at everyone else’s expense.

How You Can Help

MAPIA’s GoFundMe campaign has a goal of $100,000, with every dollar going directly toward:

• Legislative advocacy to stop HB 1972.

• Media outreach to expose the bill’s true impact.

• Public education to inform consumers and policymakers alike.

This isn’t just about one state. What happens in Pennsylvania will set a precedent for future legislation nationwide. If insurance lobbyists succeed here, they’ll bring similar restrictions to other states next.

That’s why we’re asking everyone in the adjusting community — and every homeowner who believes in fair treatment — to stand with us.