AL SB326

Establishes licensing and regulation framework for public adjusters in Alabama, defined as persons who represent insureds (not insurers) in settling first-party property, casualty, and workers' compensation insurance claims.

Requires public adjusters to complete 20-hour prelicensing course, pass written examination, maintain $20,000 security bond or letter of credit, and complete 24 hours of continuing education (including 3 hours in ethics) biennially.

Mandates written contracts with specific required terms, prohibits fees before claim settlement, limits compensation to 10% during state emergencies, and requires 3-5 business day cancellation rights for insureds depending on emergency status.

Establishes standards of conduct including disclosure of financial interests, prohibition on soliciting during active losses, restrictions on salvage acquisition, and prohibits public adjusters from simultaneously acting as company or independent adjusters on same claim.

Amends Section 27-4-2 to set license and application fees: $20 application fee and $80 (individual) or $200 (business entity) biennial license fee, with examination fees set by commissioner not to exceed $100.