Texas Information
A public adjuster in Texas is a licensed professional who acts solely for the policyholder—not the insurance company. For commercial property owners, having an advisor experienced in large‑scale claims, business interruption, and complex policy interpretation can be critical for securing a fair settlement. Public adjusters handle claim documentation, timelines, and negotiations, allowing you to focus on your business operations.
Continental Adjusters LLC – Texas Office
7300 STATE HIGHWAY 121, SUITE 650 MCKINNEY, TX 75070
info@coadj.com
214-373-6600
Texas-Specific Rules & Consumer Protections
1. Licensing & Bonding
- Texas requires all public adjusters to hold a state-issued public insurance adjuster license and maintain at least a $10,000 surety bond.
- Texas Public Adjuster licenses are managed by the Texas Department of Insurance (TDI) portal.
2. Application Requirements
- Applicants must pass the state licensing exam, submit fingerprints for background checks, and provide proof of the required bond (Form FIN509).
- Public Adjusters may use TDI’s standard contract (Form FIN535) or submit their own compliant version.
3. Ethical Conduct & Conflict Restrictions
- Public adjusters cannot act as contractors, accept referral fees, or have a financial interest in repair work related to claims they handle.
- The law prohibits contracts made solely to refer clients to attorneys—or to avoid truly adjusting the claim. Agent and Adjuster Licensing Notices
When to Consider Hiring a Public Adjuster
Hiring a public adjuster in Texas is wise when:
- Your commercial property suffers significant structural damage, fire, storm loss, or flood.
- You are managing a business interruption claim impacting revenue and operations.
- Your claim has been delayed, underpaid, or denied.
You need help navigating complex commercial property policies covering inventory, multi-location coverage, or large-scale losses.
Resources for Texas Commercial Property Owners
1. Texas Department of Insurance (TDI)
- Your go-to regulator for licensing, bond verification, fee caps, and complaint filings.
2. TDI Public Adjuster Consumer Tips
- Offers guidance on what to look for when hiring an adjuster and how to report issues. Texas Department of Insurance
3. United Policyholders (UP) (nonprofit)
- Provides helpful insights and sample communications for commercial policyholders navigating damage claims and hiring public adjusters. United Policyholders
Quick Checklist for Texas Commercial Property Owners
| Step | Action |
|---|---|
| 1 | Document all losses thoroughly—taking photos, videos, business interruption logs. |
| 2 | Delay permanent repairs until insurer inspection; keep records of temporary fixes. |
| 3 | Log all communications with your insurer and adjuster (date, time, person, summary). |
| 4 | Verify the public adjuster’s license and bond through the TDI portal. |
| 5 | Ensure the contract complies with Texas law—particularly fee and conduct rules. |
| 6 | Confirm the adjuster has commercial claim experience and request references. |
| 7 | Be aware of ethical mandates—no contractor roles or referral fee arrangements. |
| 8 | File a complaint if needed through TDI’s consumer guidance. |
Why Align with Continental Adjusters?
As your advocate, Continental Adjusters helps you:
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- Continental Adjusters operates under all licensing requirements, contract compliance and ethical standards.
- Experienced public adjusters specializing in commercial and business interruption claims.
- Ensure your business claim is maximized professionally, ethically, and in full compliance with Texas law.
Texas maintains rigorous regulations to safeguard commercial property owners—from licensing and ethical standards to fee limitations and conflict of interest rules. A properly licensed public adjuster can relieve claim complexities and enhance your insurance recovery.
Need Help Finding a Public Adjuster in Texas?
Contact Continental Adjusters LLC today — we’ll ensure your interests are protected and your settlement is optimized.
