ND HB1219

Creates licensing requirements for public adjusters in North Dakota, limiting them to assisting insureds with first-party claims only, with resident and nonresident license options available through the insurance commissioner.

Requires public adjusters to maintain a minimum $20,000 surety bond, pass written examinations, complete 24 biennial continuing education credits including 3 ethics credits, and comply with strict standards of conduct prohibiting conflicts of interest and misrepresentation.

Mandates written contracts between public adjusters and insureds containing specific terms including compensation amounts, services to be provided, and a three-day rescission right, with prohibitions on percentage-based fees if insurers pay policy limits within three days of loss reporting.

Establishes residential contractor regulations for property damage repair contracts, requiring written cancellation rights within five business days, prohibiting deductible rebates, and requiring detailed notices and itemized work descriptions before repairs commence.

Specifies penalties including class C felony for unlicensed public adjuster operation, administrative fines up to $10,000 per violation, and contract voidance for contractor violations, with a two to six-year statute of limitations for civil actions.