Colorado Information
A public adjuster is a licensed insurance claims professional who works solely for the insured, not the insurance company. For Colorado commercial property owners, a public adjuster can help navigate wildfire losses, hail and wind damage, water damage, snow load collapses, and business-interruption claims. They assist with valuation, documentation, and negotiation to help ensure your settlement reflects the full scope of your losses.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Colorado-Specific Rules & Consumer Protections
1. Licensing Requirement
- Colorado requires public adjusters to be licensed through the Colorado Division of Insurance under Title 10 of the Colorado Revised Statutes.
→ Colorado Division of Insurance Licensing Resources
2. Application & Qualification Standards
- Applicants must meet statutory licensing requirements, complete pre-licensing components where applicable, pass the examination (or hold recognized designations), and comply with background and residency standards.
→ Individual Licensing Requirements – Colorado DOI
3. Written Contract Requirements
- Colorado law requires that all public adjuster contracts be in writing and include mandatory disclosures, fee terms, rescission rights, and detailed service descriptions as required by statute.
→ Colorado Revised Statutes – Public Adjuster Requirements (C.R.S. Title 10)
4. Standards of Conduct
- Public adjusters must adhere to professional conduct rules, including acting in the insured’s best interest, avoiding conflicts related to repairs, and providing transparent disclosures.
→ Colorado Insurance Consumer Protection Statutes
5. Recordkeeping Requirements
- Colorado requires public adjusters to maintain records of contracts, claim notes, estimates, and communications for the period mandated under state law.
→ Colorado Division of Insurance – Regulatory Information
6. License Verification
- Property owners can verify a public adjuster’s licensing status, authority, and standing through the Colorado Division of Insurance license lookup system.
→ License Lookup – Colorado DOI
When to Consider Hiring a Public Adjuster
A public adjuster may be valuable when:
- Your commercial property has suffered major damage from wildfire, hail, snow, wind, or water.
- Your claim involves business interruption, lost rents, or extra operating expenses.
- The insurer’s preliminary estimate does not accurately reflect documented damages.
- Your loss involves industrial equipment, large inventory, tenant operations, manufacturing, or multi-building campuses.
- You need professional help managing documentation, deadlines, and policy interpretation.
Resources for Colorado Commercial Property Owners
1. Colorado Division of Insurance (DOI)
- Handles licensing, regulatory oversight, and consumer protection for public adjusters.
2. Colorado DOI License Lookup
- Verify public adjuster licensing and authority.
3. Colorado Insurance Statutes (Title 10)
- Establishes public adjuster licensing, contract rules, and conduct requirements.
Quick Checklist for Colorado Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document all structural and business-interruption damages (photos, invoices, logs, financial records). |
| 2 | Delay permanent repairs until insurer inspection; document temporary mitigation costs. |
| 3 | Maintain a detailed log of all communications with insurers and contractors. |
| 4 | Verify the adjuster’s license through the Colorado DOI. |
| 5 | Review the adjuster’s written contract to confirm all Colorado-specific disclosures and fee terms are included. |
| 6 | Choose an adjuster experienced in commercial, industrial, and business interruption claims. |
| 7 | Request itemized estimates, valuation methodology, and documentation supporting all loss components. |
Why Partner with Continental Adjusters?
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- Verifying adjuster licensing and compliance with Colorado’s regulatory standards.
- Connecting businesses with public adjusters experienced in wildfire, hail, and large-loss commercial claims.
- Assisting with documentation, valuation analysis, and policy interpretation.
- Ensuring your claim is organized, compliant, 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 Colorado, 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 Colorado?
Contact Continental Adjusters LLC today —and take the next step toward a fair resolution.
