No insurance company authorized to transact insurance in this state shall make payment of any insurance claim, or any portion of a claim, to a public adjuster on account of services rendered by a public adjuster to an insured unless the name of the insured is added as a joint payee on any claim check, draft or electronic payment. The payment, whether by check, draft, electronic payment or otherwise, shall be sent to the address or electronic mail address designated by the insured.