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Every Profession has the Occasional Crook 

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 When a public insurance adjuster exceeds his or her authority and  attempts to defraud an insurer on behalf of the adjuster\u2019s client, the  standard \u201cConcealment or Fraud\u201d provision precludes the insureds from  obtaining any recovery under their policies as the claims submitted by  Berson, their public insurance adjuster, in his capacity as their agent,  were fraudulent. [Astoria Quality Drugs, Inc. v. United Pacific Ins.  Co. Of NY, 163 A.D.2d 82, 557 N.Y.S.2d 339).] \u201cChubb, therefore, is  entitled to full recovery of the claims paid.\u201d [Chubb & Son v.  Consoli, 283 A.D.2d 297, 726 N.Y.S.2d 398, 2001 N.Y. Slip Op. 04550  (2001).]  The Texas legislature has statutorily made a contract that is void for  illegality under the common law enforceable or voidable at the option of  the least culpable party\u2014the insured\u2014when a person contracts with the  insured to perform services as a public insurance adjuster but does not  have a public insurance adjuster's license. [Lon Smith & Assocs.,  Inc. v. Key, 527 S.W.3d 604 (Tex. App. 2017  In U.S. v. Saada, 212 F.3d 210 (3rd Cir., 1999) the government's  evidence at trial showed that:  [i]n 1990, appellants contacted Ezra Rishty, Isaac's cousin, for help in  an insurance fraud scheme. Rishty was a public insurance adjuster in  New York City who had conspired with various clients in over 200  fraudulent insurance schemes in the past.  Rishty agreed to assist Isaac in filing a fraudulent insurance claim,  and enlisted the help of Morris Beyda, a former employee who by then  owned his own business. Rishty also enlisted the help of Sal Marchello, a  general adjuster for the Chubb Insurance Group ("Chubb"), which was  Scrimshaw's insurer. Marchello assured Rishty that Chubb would assign  him to handle the future Scrimshaw claim.  In U.S. v. Lemm, 680 F.2d 1193 (8th Cir. 1982) a scheme to defraud  insurers was defeated with the testimony of a putative PA. He explained  to the trial court that the arson and insurance fraud activities  underlying the convictions of various defendants resulted from fire to  fire, but a general scenario was summarized by Eugene P. Gamst, the  government's chief witness, who was a public insurance adjuster licensed  in Minnesota. The government's case showed that at some point in the  early 1970's Gamst began mixing his legitimate adjustment activities  with arson, eventually becoming the center of an arson ring alleged to  have existed from April 1, 1975 to September 1, 1978.  The basic mode of operation was that Gamst, or occasionally another  coconspirator, would recruit an individual to start an arson fire for  insurance proceeds. Gamst would instruct the individual how to start the  fire, how to act, and what to tell the authorities. After the fire,  Gamst would pose as a legitimate public adjuster of an accidental fire.  Occasionally, Gamst would also act as a private contractor and repair  the fire damage in order to obtain a larger portion of the insurance  proceeds. The roles of the other conspirators included providing seed  money for the purchases of property, locating property for burning,  providing property to be burned, preparing and torching the property,  and recruiting others to the scheme resulted in convictions.