4 ▁states ▁( and ▁the ▁District ▁of ▁Columbia ) ▁have ▁in ▁place ▁some ▁form ▁of ▁stat ut ory ▁and / or ▁regul atory ▁scheme ▁which ▁lic enses ▁public ▁adjust ers . ▁The ▁states ▁that ▁do ▁not ▁are : ▁Al aska , ▁South ▁Dak ota , ▁and ▁Wisconsin . ▁In ▁addition , ▁it ▁is ▁important ▁to ▁note ▁that ▁on ▁October ▁ 1 4 , ▁ 2 0 0 5 , ▁the ▁National ▁Association ▁of ▁In sur ance ▁Commission ers ▁( NA IC ) ▁adopted ▁the ▁Public ▁Ad just er ▁Lic ens ing ▁Model ▁Act ▁( MD L - 2 2 8 ), ▁which ▁gover ns ▁the ▁qual ifications ▁and ▁procedures ▁for ▁the ▁lic ens ing ▁of ▁public ▁adjust ers . ▁It ▁defines ▁a ▁public ▁adjust er ▁as ▁" any ▁person ▁who , ▁for ▁compens ation ▁or ▁any ▁other ▁thing ▁of ▁value , ▁acts ▁on ▁beh alf ▁of ▁an ▁ins ured ", ▁spec ifies ▁the ▁duties ▁of ▁and ▁restrictions ▁on ▁public ▁adjust ers , ▁including ▁reg ulations ▁for ▁the ▁following : ▁exam ination , ▁bond ▁or ▁letter ▁of ▁credit , ▁continu ing ▁education , ▁public ▁adjust er ▁fe es , ▁contract s , ▁record ▁ret ention , ▁and ▁standards ▁of ▁conduct . ▁ ▁In ▁addition , ▁the ▁model ▁act ▁states ▁that ▁public ▁adjust ers ▁may ▁only ▁act ▁or ▁aid ▁on ▁the ▁benefit ▁of ▁the ▁ins ured ▁in ▁first - party ▁claims . ▁ ▁Hold ing ▁a ▁license ▁in ▁one ▁state ▁only ▁perm its ▁the ▁lic ensed ▁to ▁practice ▁in ▁that ▁state . ▁Although ▁the ▁reg