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New JerseyS1320220th Legislature (2024-2025)SenateWALLET

Requires certain information be included in certain contracts with licensed public adjusters.

Sponsored By: Atkins, Reginald W., John J. Burzichelli (Democratic), Pou, Nellie, Shanique Speight (Democratic), Sterley S. Stanley (Democratic)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

Clearer contracts and cancellation rights for policyholders

Beginning December 28, 2025, New Jersey public adjusters must have a written contract before acting for a policyholder. Both parties must sign two originals; you get one, and the adjuster keeps one for state inspection. Contracts must list contact and license details, claim information, fees, services, signatures, dates, and required notices. You can cancel before midnight on the third business day after the contract date. Approved reasonable expenses and necessary emergency out-of-pocket costs may still apply. The adjuster must return money or other value within 10 business days after receiving your cancellation notice.

Homeowners get safer public adjuster contracts

Beginning December 28, 2025, these protections cover damage claims for your primary or secondary home. They apply when your public adjuster's fee is a percentage of the insurer's total claim payment. If the insurer pays in two or more installments, the contract cannot allow all adjuster fees from the first payment. Contracts also cannot require insurer checks payable only to the adjuster or block either side from seeking civil remedies.

Sponsors & Cosponsors

Sponsors

  • Atkins, Reginald W.

    Affiliation unavailable

  • John J. Burzichelli

    Democratic • Senate

  • Pou, Nellie

    Affiliation unavailable

  • Shanique Speight

    Democratic • House

  • Sterley S. Stanley

    Democratic • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 312 • No: 0

House vote • 6/30/2025

CONCUR GOV REC

Yes: 78 • No: 0

Senate vote • 6/30/2025

CONCUR GOV REC

Yes: 39 • No: 0

Senate vote • 6/2/2025

ADOPT GR

Yes: 38 • No: 0

House vote • 3/24/2025

3RDG FINAL PASSAGE

Yes: 78 • No: 0

Senate vote • 3/24/2025

CONCUR ASMB AMEND

Yes: 39 • No: 0

Senate vote • 6/28/2024

3RDG FINAL PASSAGE

Yes: 40 • No: 0

Actions Timeline

  1. Approved by Governor — P.L.2025, c.84.

    7/1/2025Governor

  2. Passed Assembly, PBH — (78-0-0)

    6/30/2025House

  3. Received in Assembly, 2RAG

    6/30/2025House

  4. Passed Senate — (39-0)

    6/30/2025Senate

  5. 2RSG — (38-0)

    6/2/2025Senate

  6. Conditional Veto, Received in Senate

    5/12/2025Senate

  7. Passed Senate, PBH — (39-0)

    3/24/2025Senate

  8. Received in Senate, 2RSC

    3/24/2025Senate

  9. Passed Assembly — (78-0-0)

    3/24/2025House

  10. Substituted for A4390 (1R)

    3/24/2025House

  11. AA, 2nd Reading in Assembly — (Voice) (Stanley)

    3/24/2025House

  12. Reported, 2nd Reading in Assembly

    9/12/2024House

  13. Received in Assembly, Referred to Assembly Regulated Professions Committee

    6/28/2024House

  14. Passed Senate — (40-0)

    6/28/2024Senate

  15. Reported, 2nd Reading in Senate

    5/13/2024Senate

  16. Introduced, 1st Reading in Senate, Referred to Senate Commerce Committee

    1/9/2024Senate

Bill Text

  • Version PL2025

    8/21/2025

    HTMLPDF

  • Version AL2025

    8/12/2025

    HTMLPDF

  • ASSEMBLY 3/24/25 1R

    6/3/2025

    HTMLPDF

  • Conditional Veto

    6/3/2025

    HTMLPDF

  • Conditional Veto 2R

    6/3/2025

    HTMLPDF

  • Assembly 3/24/25

    3/25/2025

    HTMLPDF

  • Senate Commerce (5/13/24 TR)

    3/25/2025

    HTMLPDF

  • Assembly Regulated Professions Substitute (9/12/24)

    9/13/2024

    HTMLPDF

  • Senate Commerce Substitute (5/13/24)

    5/14/2024

    HTMLPDF

  • As Introduced

    1/3/2024

    HTMLPDF

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