In what scenario can a public adjuster discuss a bid with a property owner?

A public adjuster can discuss a bid with a property owner when the contractor is licensed under relevant regulations. This is because public adjusters must adhere to laws and guidelines that ensure all parties involved in the claim process are qualified and acting legally. Engaging with a licensed contractor provides assurance that the bid is based on recognized standards and practices within the industry, thereby protecting the interests of the property owner.

When a contractor is licensed, it adds credibility to the bid and ensures that the work proposed meets state regulations and safety standards. This protects the property owner from potential issues related to unlicensed work, which could cause problems both legally and in terms of the quality of repairs.

Other scenarios presented in the options do not align with the legal and ethical standards governing public adjusters' interactions regarding bids. For instance, there are no specific monetary thresholds that limit discussions to those under $10,000, nor do discussions about insurance policy details directly pertain to bidding. Additionally, while claims processing is a relevant context for a public adjuster’s role, it does not specifically dictate when a bid could be discussed with a property owner. Thus, the key factor is the contractor's licensure, making option B the correct choice.