Relating to public adjusters

HB 5521 establishes new licensing, examination, and conduct requirements for public adjusters in West Virginia. It defines a "public adjuster" as someone who negotiates insurance claims for policyholders (not insurance companies) and sets standards for their qualifications, including fingerprinting and certification of automated claims systems. The bill also creates specific contract rules between public adjusters and insured clients. These changes directly affect public adjusters seeking to work in the state and the insured individuals who hire them. The law aims to clarify regulations for this category of adjusters while addressing gaps during insurance emergencies.