Code of Professional Conduct and Ethics

All members of PCAPIA are required to abide by the following Rules of Professional Conduct and Ethics to ensure that clients, members of the public and others involved in the insurance claims process receive proper and ethical treatment.

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 Companies.

4. Commission rates shall be fair and equitable, and strictly in accordance with the prevailing laws or regulations of the insured's state.

5. Members shall conduct themselves so as to command respect and confidence. They shall work in harmony with one another, with their clients, and representative of the Insurance Companies so as to foster a cordial and harmonious relationship with all branches of the insurance business and with the general public.

6. Members must be fitted, by the knowledge and experience, for the work they undertake. They must not endanger the interests of the public adjusting profession, or risk injustice to insureds or to the Insurance Companies, by attempting to handle losses or 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 in every possible way.

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 Department of Insurance, or which might subject public adjusting and public adjusters to criticism or disrespect.