the government issued licensure. A license validates the basic competency to practice law-related principles and practices needed to service consumers (be it real estate, accounting, insurance, or other). Adjusters are taught and in many cases that they must master certain legal doctrines in order to do the work of claims processing, adjusting, and advising, in a manner that is fair and protective of the parties involved. This is the practice of law on a restricted basis. This licensure authorizes public adjusters to practice that limited portion of the law that applies to insurance claims and only insurance claims. Any advice exceeding the claim which involves legal interpretation or defining of it would more so escape the restrictions of the licensure and begin to cross into the practice of law. (However, be advised that many consumers mistake an attorney’s knowledge of insurance to be equal to or greater than a public adjuster, while this is grossly false. The fact is that for consumer property claims, most attorneys need to seek and obtain the assistance of public adjusters who actually possess superior claims knowledge. Virtually all attorneys need to hire specialists and/or experts to support their cases, and a public adjuster can be either one or both. Attorneys are usually not subject matter experts themselves despite many people assuming otherwise). Public Adjusters cannot provide homeowners with legal advice, but public adjusters can advise homeowners with insurance advice, of questions of the insurance contract, documentation, and engage in regulatory requirements, and effect compliance with state statutes applying to their profession (which is required), while all of these functions include law. If a licensed public adjuster explains to a policyholder/insured that in a particular jurisdiction that the term actual cash value means the current market rate as is defined by the courts in that local, then that is not giving legal advice or engaging in the unauthorized practice of law. In this case, the insurance term is actual cash value, which is also a legal term. To say that actual cash value means market rates is qualifying an insurance concept by interpreting it by the definition in law. In this event, law is being practiced, but is being done within the confinement of an insurance licensure. For an adjuster to advise a policyholder/insured on laws that are not directly related to the concepts of insurance practice or the insurance contract would be more so