Louisiana Information
A public adjuster in Louisiana is a licensed professional who works exclusively for the insured — not the insurance company. For commercial property owners, a public adjuster can help ensure accurate valuation, manage complex business interruption claims, negotiate with insurers, and navigate the technical aspects of large-scale property losses.
Continental Adjusters LLC
info@coadj.com
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Louisiana-Specific Rules & Consumer Protections
1. Licensing & Application Process
- Public adjusters (along with other adjuster/claims authorities) are licensed via the Louisiana Department of Insurance, with applications handled through the NIPR system. License Application
2. Contract Requirements
- All public adjuster contracts must be in writing and must include required terms (such as adjuster name, address, license number, and disclosure of terms) as specified under Louisiana law. Louisiana Revised Statutes Tit. 22, § 1704 | FindLaw
3. Standards of Conduct & Duty to Insured
- A licensed public adjuster must serve with “objectivity and complete loyalty” to the insured’s interests and must not have a direct or indirect financial interest in the claim beyond their contractually agreed fee. https://law.justia.com/codes/louisiana/revised-statutes/title-22/rs-22-1706/
4. Restrictions on Fee Structures
- Louisiana law prohibits public adjusters from entering into contracts where their fee is contingent upon, or calculated as, a percentage of the insurer’s payment. Such contingency-based fee agreements are void as against public policy. https://law.justia.com/codes/louisiana/revised-statutes/title-22/rs-22-1703/
5. Entity Licensing & Misrepresentation Rules
- A business entity must designate a licensed public adjuster and maintain compliance;
public adjusters cannot misrepresent themselves as working for insurers or as independent adjusters when holding a public adjuster license. https://www.legis.la.gov/legis/Law.aspx?d=508691
6. License Verification & Transparency
- Through the Louisiana Department of Insurance’s “Industry Access / Licensee Lookup” portal, property owners can verify adjuster licensing status, check license history, and confirm that an adjuster is active and in good standing. https://ia.ldi.state.la.us/IndustryAccess/
When to Consider Hiring a Public Adjuster
You may want to engage a public adjuster if:
- Your commercial property suffers extensive structural damage (fire, flood, wind, hurricanes).
- You face a business interruption claim (lost income, operational disruption).
- The insurance company’s offer seems inconsistent with your documented losses.
- Your property includes multiple units, inventory, or specialty coverages requiring detailed assessment.
Resources for Louisiana Commercial Property Owners
1. Louisiana Department of Insurance (LDI)
- The regulatory authority overseeing licensing, contract standards, and adjuster conduct.
2. LDI Licensee Lookup / Industry Access
- Tool to check adjuster credentials, status, and licensing history.
3. Louisiana Revised Statutes (Title 22, Part on Insurance / Public Adjusters)
- Governs contract requirements, ethical rules, and adjuster duties under state law.
Quick Checklist for Louisiana Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document all property and business interruption loss: photos, receipts, financial records. |
| 2 | Delay irreversible repairs until the insurer inspects; document any temporary work. |
| 3 | Maintain a log of all communications with insurer or adjuster (dates, contacts, summaries). |
| 4 | Verify the public adjuster’s license via LDI’s Industry Access / Licensee Lookup. |
| 5 | Ensure the adjuster’s contract is in writing and contains all required disclosures under R.S.§ 22:1704. |
| 6 | Confirm the adjuster has experience handling commercial property and business interruption claims. |
| 7 | Request itemized estimates, documentation, and clarity on your rights under Louisiana law. |
Why Partner with Continental Adjusters?
With Continental Adjusters you gain:
-
- Validation that any adjuster you consider is properly licensed, compliant, and accountable under Louisiana law.
- Connections to public ad justers experienced in commercial property and business interruption claims.
- Assistance in interpreting contracts, disclosure obligations, and adjuster credentials using LDI & statutory tools.
- Confidence that your insurance recovery process is handled with professionalism, transparency, and your best interests in mind.
In Louisiana, public adjusters are legally regulated to protect insureds: contracts must be written, fee structures are restricted, and adjusters owe a duty of loyalty to their clients. For commercial property claims—especially those involving lost business income or large structural damage—Continental Adjusters offers fully licensed, law-abiding public adjusters who can significantly strengthen your position in settlement negotiations.
Need Help Finding a Public Adjuster in Louisiana?
Contact Continental Adjusters LLC today — our professionals are skilled in handling complex commercial property claims and maximizing your recovery.
