legal advice than insurance advice. Professionals who are licensed are authorized to practice the rules. For example, to read, interpret, and define an insurance policy, which is an authorized but limited form of legal application. However, there just a few states which prohibit public adjusters from contract (the policy) interpretation and advisement to policyholders and those insured, because their judicial system has determined that such contract defining for some other person is the practice of law. Contrary to the examples above, which are historically and traditionally practice, there are some jurisdictions where such practices are considered only law, and even licensed persons having expertise cannot engage in contract applications as an insurance policy is in fact a contract. These jurisdictions consider that: 1) contracts can only be interpreted by lawyers, and 2) to represent someone else in a business transaction is the practice of law. Alabama does not license public adjusters at all, because that state considers insurance claims to be all law. However, in most states it is considered that such a limited practice of law, confined to only restricted parameters, is not only the intent of the government to serve the needs of the public without requiring a lawyer (being why public adjusting was created over a hundred years ago), but such subject matter is basis of insurance claims practices. However, in South Carolina for example, the courts have ruled that for a public adjuster to advise a policyholder/insured on what coverage that policy provides is actually practicing law, and that coverage advice is reserved only for attorneys. This actually makes no sense, defeats the purpose of licensing a person to practice insurance (of which insurance is based on generations of law practice, court rulings, and government regulations), while virtually all other states do not agree with South Carolina's elimination of traditional authority. The fact is that the very reason that public adjusters are adjusters is to practice insurance, which is based on law, includes law, is defined by law, interpreted by law, and according is the very reason for requiring licensure of its practitioners. There is no benefit to the public to avoid the cost and complexity of law practices by attorneys when licensing insurance practitioners for a single function - claims practicing - and then also prohibit any claim practicing (other than estimating costs, which is estimating, not claims practicing). Instead, South Carolina limits public adjusting