Amendment S.2976

This bill prohibits insurance companies from including clauses in property and casualty policies that prevent policyholders from hiring public insurance adjusters. If an insurer includes such a restriction, the clause would be considered unenforceable and automatically removed from the policy without affecting other terms. The legislation also updates the legal definition of prohibited policy provisions to explicitly cover bans on hiring public adjusters for services. These changes directly affect insurance companies and their customers by ensuring policyholders retain the right to seek independent assistance during claims.