Indiana Information
A public adjuster is a claims professional hired by the insured, not the insurance company. For commercial property owners in Indiana, a public adjuster can help document complex losses, interpret the policy language, handle business-interruption components, and negotiate a settlement that accurately reflects the full extent of your property damages.
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Indiana-Specific Rules & Consumer Protections
1. Licensing Requirement
- Indiana requires public adjusters to hold a valid license, governed by Indiana Code 27-1- 27.5.
→ Indiana DOI outlines the public adjuster licensing framework. https://www.in.gov/idoi/companyentity-financial-compliance/
2. Application & Education Standards
- Indiana’s licensing rules require pre-licensing education or approved training, plus examination and continuing education for renewals.
→ Requirements are listed on the Indiana Department of Insurance (IDOI) licensing page https://www.in.gov/idoi/companyentity-financial-compliance/
3. Mandatory Contract Requirements
- Public adjuster contracts in Indiana must be in writing and must include mandatory disclosures, fee terms, and cancellation provisions.
→ Indiana Code § 27-1-27.5 specifies contract content requirements. https://iga.in.gov/
4. Standards of Conduct
- Indiana requires public adjusters to act in the insured’s best interest, maintain transparency, and avoid conflicts of interest tied to repair work.
→ Conduct requirements are defined in IC 27-1-27.5-14. https://iga.in.gov/
5. Recordkeeping Requirements
- Public adjusters must maintain claim-related records for five years, available to the DOI upon request.
→ Found in the public adjuster provisions of Indiana Code. https://iga.in.gov/
6. License Verification
- Commercial property owners can verify the status of a public adjuster’s license through the Indiana Department of Insurance online lookup system.
→ Indiana DOI License Lookup. https://www.in.gov/idoi/
When to Consider Hiring a Public Adjuster
You may wish to engage a public adjuster if:
- Your commercial property has experienced major damage (fire, water, tornado, windstorm, vandalism).
- Your claim includes business interruption, extra expenses, or extensive inventory or equipment losses.
- The insurer’s estimate does not reflect the true scale of repairs or rebuilding costs.
- Your property contains multi-tenant units, specialized operations, or large-scale facilities requiring technical documentation.
Resources for Indiana Commercial Property Owners
1. Indiana Department of Insurance (IDOI)
- Regulates public adjuster licensing, contract rules, conduct requirements, and consumer protections.
2. IDOI Public Adjuster Licensing Page
- For contract rules, application requirements, forms, and continuing education.
3. Indiana Code Title 27, Article 1, Chapter 27.5
- Statutory authority governing public adjusters in Indiana.
Quick Checklist for Indiana Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document all property damage and business interruption losses (photos, invoices, financials). |
| 2 | Avoid permanent repairs until the insurer documents the loss; keep receipts for temporary work. |
| 3 | Keep a running log of communications with the insurer and any adjusting professionals. |
| 4 | Verify the adjuster’s active license through the Indiana DOI database. |
| 5 | Ensure the adjuster provides a written contract meeting all Indiana statutory requirements. |
| 6 | Confirm the adjuster has experience handling commercial and business-interruption claims. |
| 7 | Request itemized damage assessments, repair methodology, and valuation support. |
Why Partner with Continental Adjusters?
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- Verification of public adjuster licensing and compliance under Indiana law.
- Access to professionals experienced in commercial property and business interruption claims.
- Support with documentation, valuation analysis, and policy interpretation.
- A structured, transparent process designed to protect your interests and position your claim for the strongest outcome.
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 Indiana, 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 Indiana?
Contact Continental Adjusters LLC today — our professionals are skilled in handling complex commercial property claims and maximizing your recovery.
