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Help Stop House Bill 1972 and Senate Bill 1972 — Protect Public Adjusters and Pennsylvania Consumers
A new bill in Pennsylvania, House Bill 1972, threatens to destroy the public adjusting profession and strip away vital protections for property owners across the state. Pushed by the insurance department and carrier lobbyists, this proposal is being disguised as “consumer protection.” But make no mistake — it’s anti-consumer, anti–small business, and pro–insurance company.
HB 1972 (What’s in the Bill)
- Cap all public adjuster fees at 15%, regardless of claim size.
- Cap catastrophic losses at 10%.
- Ban contractors from paying adjusters.
- Extend the cancellation period to 15 business days, giving insurers time to pressure homeowners into backing out of valid contracts.
- Allow carriers to speak verbally to clients without their public adjuster present.
- Add layers of unnecessary red tape and restrictions that will cripple small adjusting firms.
At first glance, it sounds like reform. But here’s the truth:
- Over 92% of all property insurance claims in Pennsylvania are under $25,000. Under this cap, no professional public adjuster could afford to take those smaller claims — leaving families and small businesses alone against billion-dollar insurance companies.
- That means billions of dollars in underpaid claims every year, while consumers are left to fend for themselves after fires, floods, and storms.
Who Loses
- Homeowners and small business owners who won’t be able to get professional help when they need it most.
- Honest, hardworking public adjusters who fight for fair settlements every single day.
- Entire communities, especially those prone to property damage.
This bill doesn’t protect consumers. It protects the insurance companies — and it does so at everyone else’s expense.
What We’re Doing
- The Mid-Atlantic Association of Public Insurance Adjusters (MAPIA) is leading the fight to stop HB 1972.
- We’re launching an immediate campaign to lobby legislators in Harrisburg and make our voices heard.
- We want to educate the public on how dangerous this bill really is.
- We will defend the right of every Pennsylvanian to fair treatment and full recovery after a loss.
Our Goal: $100,000 - Every dollar raised will go directly toward:
- Professional lobbying and legislative advocacy.
- Public education and media outreach.
- Grassroots mobilization throughout Pennsylvania.
We are fighting for the future of this profession and for every policyholder who deserves fairness when disaster strikes.
Time Is Running Out
The insurance industry is moving fast to get this bill passed quietly.
If we don’t act now, public adjusting in Pennsylvania could disappear within months.
Your support today will help us stop this — before it’s too late.
Donate now to stand with MAPIA and help protect fairness, accountability, and the right of every Pennsylvanian to professional representation in their insurance claim.