Texas Codes

Tex. Ins. Code § 4102.051 (2026)

License Required; Exemption

✓ current as of May 2026

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Sec. 4102.051. LICENSE REQUIRED; EXEMPTION. (a) A person may not act as a public insurance adjuster in this state or hold himself or herself out to be a public insurance adjuster in this state unless the person holds a license issued by the commissioner under Section 4102.053 or 4102.054.

(b) A license is not required for:

(1) an attorney licensed to practice law in this state who has complied with Section 4102.053(a)(6); or

(2) a person licensed as a general property and casualty agent or personal lines property and casualty agent under Chapter 4051 while acting for an insured concerning a loss under a policy issued by that agent.

Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.082(a), eff. September 1, 2005.

Amended by:

Acts 2007, 80th Leg., R.S., Ch. 548 (S.B. 1263), Sec. 2.31, eff. September 1, 2007.

Acts 2015, 84th Leg., R.S., Ch. 1178 (S.B. 1060), Sec. 1, eff. September 1, 2015.

Notes of Decisions

Cited in 5 cases (4 in the last 5 years), 2017–2024 · leading case: Lon Smith & Assocs., Inc. & A-1 Sys., Inc., D/B/A Lon Smith Roofing & Constr. v. Joe Key & Stacci Key, 527 S.W.3d 604 (Tex. App. 2017).

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Lon Smith & Assocs., Inc. & A-1 Sys., Inc., D/B/A Lon Smith Roofing & Constr. v. Joe Key & Stacci Key, 527 S.W.3d 604 (Tex. App. 2017). · cites it 6× “Meanwhile, in September 2013, the Keys sued LSRC, asserting that the Acceptance and Agreement provision in the contract with A-l, which did business collectively with Associates, violated Texas Insurance Code section 4102.051’s prohibition against a corporation acting or holding…”

Wolfe's Carpet, Tile & Remodeling, LLC v. Gary & Beverly Bourelle (Tex. App. 2023). · cites it 7× “The Bourelles filed a motion for summary judgment and argued that the parties’ contract was void for violating Texas Insurance Code section 4102.051, which prohibits a person from “act[ing] as a public insurance adjuster .”

Lon Smith & Assocs., Inc., & A-1 Sys., Inc. D/B/A Lon Smith Roofing & Constr. v. Joe Key & Stacci Key (Tex. App. 2022). · cites it 2× “See Tex. Ins. Code Ann. § 4102.051 (a) (West Supp.”

Stonewater Roofing, Ltd. Co. v. Texas Dep't of Ins. & Kent Sullivan, in His Off. Capacity as Comm'r of the Texas Dep't of Ins. (Tex. App. 2022). “TEX. INS. CODE ANN. § 4102.051 (West Supp.”

Texas Dep't of Ins. & Cassie Brown, in Her Off. Capacity as Comm'r of the Texas Dep't of Ins. v. Stonewater Roofing, Ltd. Co. (Tex. 2024). “37 TEX. INS. CODE § 4102.051(a). 38 See, e.g.”

— Tex. Ins. Code § 4102.051(a) — 3 cases

Lon Smith & Assocs., Inc. & A-1 Sys., Inc., D/B/A Lon Smith Roofing & Constr. v. Joe Key & Stacci Key, 527 S.W.3d 604 (Tex. App. 2017). “Meanwhile, in September 2013, the Keys sued LSRC, asserting that the Acceptance and Agreement provision in the contract with A-l, which did business collectively with Associates, violated Texas Insurance Code section 4102.051’s prohibition against a corporation acting or holding…”

Wolfe's Carpet, Tile & Remodeling, LLC v. Gary & Beverly Bourelle (Tex. App. 2023). “The Bourelles filed a motion for summary judgment and argued that the parties’ contract was void for violating Texas Insurance Code section 4102.051, which prohibits a person from “act[ing] as a public insurance adjuster .”

Texas Dep't of Ins. & Cassie Brown, in Her Off. Capacity as Comm'r of the Texas Dep't of Ins. v. Stonewater Roofing, Ltd. Co. (Tex. 2024). “37 TEX. INS. CODE § 4102.051(a). 38 See, e.g.”

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