Obtain an activity-specific, state-specific review.

A job title such as “estimate writer” does not answer what the individual may lawfully do.

Ask counsel and licensing personnel to document:

• Whether each activity requires an individual or business-entity licence.
• Whether an exemption applies to the precise supervision and task arrangement.
• Which states and claim types each person may handle.
• Whether proposed customer or contractor communications cross an authority boundary.
• Applicable acknowledgement, investigation, decision, payment and update obligations.
• Record retention, litigation holds and access requirements.
• Whether AI-supported activities trigger additional governance or disclosure expectations.

Texas’s official property-and-casualty adjuster application page sets out examination and fingerprint requirements, subject to stated exemptions, and lists a $50 application fee. It also describes a 90-day emergency licence route. These are Texas-specific administrative details, not evidence that one licence authorises every proposed activity nationally. (tdi.texas.gov)

California’s regulatory index separately addresses file documentation, communications, training and residential/commercial property claims. Section 2695.7 sets a general requirement to accept or deny a claim within 40 calendar days after receipt of proof of claim, subject to its exceptions. That is a claims-handling provision—not a 40-day production-service allowance or a national rule. (insurance.ca.gov)

Recommended control: keep legal deadlines on a claims-owned calendar. An internal “awaiting evidence” status must not be treated as permission to disregard a legal obligation.

What changes if production uses AI?

The NAIC adopted its model AI bulletin on 4 December 2023. It addresses AI that makes or supports decisions concerning regulated insurance practices, including expectations for a written AI systems programme, governance, testing and third-party diligence. Applicability must be checked against state action: the NAIC implementation map reviewed here is dated 8 October 2026, and is not itself a uniform national law. (content.naic.org)

For this operation, require an approved register of AI uses, data inputs, model providers, reviewers, permitted outputs and prohibited actions. Put any relevant consumer-notice requirements through counsel rather than assuming that an internal drafting tool is automatically outside scope.

Exit gate: no live work begins with unresolved authority, data-use or licensing questions.