Illinois HB 4287: INS CODE-PUBLIC ADJUSTERS

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104TH GENERAL ASSEMBLY 
State of Illinois 
2025 and 2026
HB4287

Introduced 1/14/2026, by Rep. Dagmara Avelar 

SYNOPSIS AS INTRODUCED:

215 ILCS 5/1510

215 ILCS 5/1575

 Amends the Illinois Insurance Code. Defines "compensation" and makes changes to other defined terms. Provides that a public adjuster shall not provide services, other than emergency services, until a written contract with the insured has been executed, on a form filed with and approved by the Director, and an exact copy of the contract has been provided to the insurer or its authorized representative for receiving notice of loss or damage (instead of to only the insurer). Effective immediately.

LRB104 17112 BAB 30531 b

A BILL FOR

HB4287LRB104 17112 BAB 30531 b

1 AN ACT concerning regulation.

2 Be it enacted by the People of the State of Illinois, 

3represented in the General Assembly:

4 Section 5. The Illinois Insurance Code is amended by 

5changing Sections 1510 and 1575 as follows:

6 (215 ILCS 5/1510)

7 Sec. 1510. Definitions. In this Article:

8 "Adjusting a claim for loss or damage covered by an 

9insurance contract" means negotiating values, damages, or 

10depreciation or applying the loss circumstances to insurance 

11policy provisions.

12 "Adjusting insurance claims" means representing an insured 

13with an insurer for compensation and, while representing that 

14insured, either negotiating values, damages, or depreciation 

15or applying the loss circumstances to insurance policy 

16provisions.

17 "Business entity" means a corporation, association, 

18partnership, limited liability company, limited liability 

19partnership, or other legal entity. 

20 "Compensation" includes, but is not limited to, the 

21following:

22 (1) any assignm