Insurance; public insurance adjusters; total commission payable; limit; One Hundred Thousand Dollars; effective date.

HB 4228 caps the total commission (including expenses) that public insurance adjusters can earn on government-related insurance claims. It limits payments to the lesser of 10% of the settlement amount or $100,000, applying specifically to claims involving entities covered under Oklahoma's Governmental Tort Claims Act. The bill affects public adjusters working on settlements for government entities like cities or counties. It becomes effective November 1, 2026. This is a straightforward financial limit on adjuster compensation, not a broader policy change.