North Carolina Information
A public adjuster is a claims professional who represents the insured, not the insurance company. For North Carolina commercial property owners, a public adjuster can assist with documenting structural damage, evaluating business interruption losses, interpreting commercial policy language, and negotiating a settlement that accurately reflects the full scope of your losses.
Continental Adjusters LLC
info@coadj.com
214-373-6600
North Carolina–Specific Rules & Consumer Protections
1. Licensing Requirement
- North Carolina requires all public adjusters to be licensed under Article 33 of the North Carolina Insurance Laws.
→ Public adjuster licensing is regulated through the NC Department of Insurance. (ncdoi.gov)
2. Application & Qualification Standards
- Applicants must complete pre-licensing education, pass the state exam, submit fingerprints for a background check, and meet fitness standards defined by the NC Department of Insurance.
→ Licensing requirements are available through the NC DOI public adjuster page. (ncdoi.gov)
3. Written Contract Requirements
- All public adjuster agreements must be in writing and include fee terms, disclosure statements, scope of services, and cancellation rights as required under North Carolina law.
→ Contract requirements fall under North Carolina’s adjuster licensing laws. (ncdoi.gov)
4. Standards of Conduct
- Public adjusters must act in the insured’s best interest, avoid conflicts related to repair work, and maintain transparent communication regarding their role and compensation.
→ Standards of conduct are defined by North Carolina statutes and administrative rules. (ncdoi.gov)
5. Recordkeeping Requirements
- Public adjusters must maintain detailed claim records, contracts, estimates, and communications for the minimum period defined by North Carolina administrative regulations.
→ Recordkeeping obligations are located within North Carolina’s insurance regulations. (ncdoi.gov)
6. License Verification
- Commercial property owners can verify the status of a public adjuster’s license via the NC Department of Insurance’s license look-up tools.
→ License verification available through NC DOI. (ncdoi.gov)
When to Consider Hiring a Public Adjuster
You may wish to hire a public adjuster if:
- Your commercial property has experienced major physical damage (fire, wind, water, hurricane, or vandalism).
- Your claim involves business interruption, lost rent, extra expenses, or specialized equipment losses.
- The insurance company’s estimate seems low or incomplete compared to your documented damages.
- Your property includes multiple tenants, large inventory, specialty machinery, or technically complex operations that require careful evaluation.
Resources for North Carolina Commercial Property Owners
1. North Carolina Department of Insurance (NC DOI)
- Regulates public adjusters, contract rules, licensing, and continuing education.
2. NC DOI Public Adjuster Licensing Portal
- Provides details on qualifications, exams, contract rules, and license renewals.
3. North Carolina Insurance Statutes (Chapter 58)
- Establishes legal authority governing public adjuster requirements, duties, and contract standards.
Quick Checklist for North Carolina Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Thoroughly document structural and business interruption losses (photos, logs, invoices, financials). |
| 2 | Delay final repairs until insurer inspection is completed; retain all receipts for temporary fixes. |
| 3 | Maintain a written log of every interaction with your insurer or adjuster (names, dates, summaries). |
| 4 | Verify public adjuster licensing on the NC DOI website. |
| 5 | Review the written contract for required disclosures, fee structure, and cancellation rights. |
| 6 | Select an adjuster with experience in commercial, industrial, or multi-unit property claims. |
| 7 | Request detailed damage estimates, valuation documentation, and a clear explanation of methodology. |
Why Partner with Continental Adjusters?
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- Confirming adjuster licensing and compliance with North Carolina regulations.
- Connecting owners with adjusters experienced in commercial property and business interruption claims.
- Assisting with contract interpretation, documentation standards, and timeline
management. - Ensuring your claim is prepared thoroughly and positioned for a fair settlement.
If your property has been damaged and your claim is complex, large, or contested by your insurance company, partnering with a public adjusters can help level the playing field. In North Carolina, you have a legal right to fair claim handling; Continental Adjusters LLC employs reputable, licensed professionals dedicated to providing support through navigation of deadlines, thorough documentation of assets and damages, and ensuring your loss is valued fairly.
Need Help Finding a Public Adjuster in North Carolina?
Contact Continental Adjusters LLC today — our professionals are skilled in handling complex commercial property claims and maximizing your recovery.
