ulations ▁vary ▁from ▁state ▁to ▁state , ▁the ▁model ▁act ▁states ▁that ▁a ▁non - res ident ▁can ▁obtain ▁a ▁license ▁in ▁another ▁state ▁if ▁their ▁home ▁state ▁allows ▁non - res idents ▁to ▁apply ▁for ▁a ▁license ▁on ▁the ▁same ▁basis . ▁This ▁reci pro city ▁agreement ▁means ▁that ▁in ▁many ▁cases ▁one ▁can ▁apply ▁for ▁a ▁license ▁in ▁another ▁state ▁without ▁having ▁to ▁pass ▁that ▁state ' s ▁exam ination ▁or ▁pre - lic ens ing ▁education ▁requirements . ▁Gener ally , ▁public ▁adjust ers ▁only ▁work ▁with ▁ins urance ▁claims ▁related ▁to ▁ ▁property ▁dam ages ▁and ▁the ▁business ▁losses ▁that ▁they ▁trigger ▁such ▁as ▁business ▁income , ▁build ers ' ▁risk , ▁mechanical ▁and ▁elect rical ▁break down , ▁extra ▁exp ense ▁and ▁exp edit ing ▁exp ense , ▁and ▁le ase hold ▁interest . ▁Although ▁it ▁is ▁un common ▁for ▁public ▁adjust ers ▁to ▁handle ▁health ▁ins urance ▁claims , ▁in ▁some ▁states ▁such ▁as ▁Florida ▁they ▁are ▁leg ally ▁author ized ▁to ▁handle ▁claims ▁in ▁all ▁lines ▁of ▁ins urance ▁except ▁life ▁and ▁ann u ities . ▁ ▁D ut ies ▁▁ ▁The ▁public ▁adjust er ' s ▁main ▁respons ib ilities ▁are ▁to : ▁E valu ate ▁existing ▁ins urance ▁policies ▁in ▁order ▁to ▁determine ▁what ▁coverage ▁may ▁be ▁applicable ▁to ▁a ▁claim ▁Research , ▁detail , ▁and ▁subst anti ate ▁damage ▁to ▁buildings ▁and ▁contents ▁and ▁any ▁additional ▁exp enses ▁E valu ate ▁business ▁inter ruption ▁losses ▁and ▁extra ▁exp ense ▁claims ▁for ▁business es