What are the regulatory aspects of representing a mortgagee on their hazard claims?

According to the National Association of Insurance Commissioners, in order to represent an insured one must be licensed as a public insurance adjuster.

As of October 2010, 44 states and the District of Columbia license public insurance adjusters. Most states require fingerprinting, licensing bonds, as well as the successful completion of an examination and continuing education requirements. Currently three states disallow public adjusting and consider it the unauthorized practice of law.

For more information please read: Hazard Insurance Recovery: A Regulatory Overview by Ron Reitz