The insurance industry is undergoing significant regulatory transformations in 2025, impacting claims adjusters nationwide. From state-specific mandates to federal oversight, staying informed is crucial for compliance and professional growth. AE21 is committed to equipping adjusters with the knowledge and tools needed to navigate these changes effectively.​

Key Regulatory Updates Impacting Adjusters

1. Enhanced Claims Transparency in Florida

Florida has introduced new requirements to promote transparency in the claims process:​

• Insurers must provide policyholders with adjuster reports estimating damages within 7 days of creation.

• Electronic methods for damage assessment are now permissible, allowing policyholders to participate in these evaluations.

• Insurers are required to maintain comprehensive records of claim investigations, including timelines and documentation.

These changes aim to expedite the claims process and enhance communication between insurers and policyholders.​

2. National Emphasis on AI and Cybersecurity

The integration of artificial intelligence (AI) in insurance operations has prompted regulatory bodies to focus on:​

• Ensuring AI applications in claims processing are transparent and non-discriminatory.

• Implementing robust cybersecurity measures to protect sensitive data.

• Conducting market conduct examinations to assess AI usage in compliance with state statutes.

Adjusters must familiarize themselves with these technological advancements and their regulatory implications.​

3. Evolving State Regulations

States are continually updating insurance laws to address emerging challenges:

• Delaware has amended regulations concerning captive insurers and expanded coverage for specific services.

• Other states are revising guidelines related to property claims, construction codes, and environmental risks.

Adjusters operating across multiple jurisdictions must stay abreast of these varying state-specific regulations.​

---

AE21: Your Partner in Continuing Education and Compliance

AE21 offers comprehensive training programs designed to keep adjusters informed and compliant:

• Florida Continuing Education Courses: Tailored to meet the state’s specific requirements, including courses on legal doctrines and business auto claims handling.

• National Property & Casualty Claims Training: An online program providing foundational knowledge for adjusters across the country.

• Adjuster Licensing Programs: Offering self-paced courses that prepare candidates for licensing exams and waivers in various states. ​

With AE21’s flexible online platform, adjusters can access up-to-date content that reflects the latest regulatory changes, ensuring they remain compliant and competitive in the industry.​

As the insurance landscape evolves, adjusters must proactively engage in continuous learning to navigate regulatory changes effectively. AE21 stands as a trusted resource, providing the education and support necessary to thrive in this dynamic environment. Explore AE21’s offerings today to stay ahead in your professional journey.​