Mississippi Information
A public adjuster is a licensed professional who represents the insured, not the insurance company. For Mississippi commercial property owners, a public adjuster can help document structural losses, quantify business interruption damages, interpret commercial policy language, and negotiate settlements that accurately reflect your total losses, especially after hurricanes, tornados, hail, or water events.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Mississippi-Specific Rules & Consumer Protections
1. Licensing Requirement
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Mississippi requires public adjusters to be licensed under Title 83 of the Mississippi Code and governed by the Mississippi Insurance Department (MID).
→ Mississippi Insurance Department Licensing Portal: Mississippi Insurance Department – Official Website of the Mississippi Insurance Department
2. Application & Qualification Standards
- Applicants must meet statutory requirements, including age and fitness qualifications, filing an application, passing the exam, and meeting MID standards.
→ Adjuster Licensing Requirements (MID): Licensing Search – Official Website of the Mississippi Insurance Department
3. Written Contract Requirements
- Public adjuster contracts must be in writing, include fee terms, describe services, and provide cancellation rights in compliance with Mississippi regulations under the licensure rules.
→ Public Adjuster Licensing Rule 36.01 (Mississippi Insurance Department): 202507Proposedreg.pdf
4. Standards of Conduct
- Public adjusters must act ethically, transparently, and in the insured’s best interest. Mississippi’s public adjuster regulations specify expectations regarding communication, disclosures, and compensation practices.
→ Public Adjuster Statutory/Regulatory Requirements (MID): 202507Proposedreg.pdf
5. Recordkeeping Requirements
- Mississippi requires public adjusters to maintain thorough records of contracts, estimates, claim documentation, and communications for the period prescribed in state regulation.
→ Mississippi Public Adjuster Regulation (MID): 202507Proposedreg.pdf
6. License Verification
- Commercial property owners can verify any public adjuster’s current license, authority, and status through the Mississippi Insurance Department’s online license search.
→ License Verification / Adjuster Lookup (MID): Licensing Search – Official Website of the Mississippi Insurance Department
When to Consider Hiring a Public Adjuster
You may want to work with a public adjuster if:
- Your commercial building has suffered significant fire, wind, storm, or water damage.
- Your claim includes business interruption or loss of rental income.
- The insurer’s initial estimate appears incomplete or undervalued.
- Your claim involves industrial equipment, specialized machinery, large inventory, or multi-tenant structures.
- You need professional support navigating complex documentation or valuation issues.
Resources for Mississippi Commercial Property Owners
1. Mississippi Insurance Department (MID)
- Regulates public adjusters, licensing, contracts, and professional conduct.
2. License Search & Adjuster Lookup (MID)
- Verify an adjuster’s license, standing, and authority.
3. Mississippi Public Adjuster Regulations — Rule 36.01
- Details contract requirements, ethical standards, and recordkeeping obligations.
Quick Checklist for Mississippi Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Photograph and document all structural, equipment, inventory, and interruption losses. |
| 2 | Avoid irreversible repairs before insurer inspection; save receipts for temporary work. |
| 3 | Maintain a detailed log of communications with insurers and adjusting professionals. |
| 4 | Verify the adjuster’s license through the MID License Search portal. |
| 5 |
Review the written contract for fee terms, disclosures, and cancellation rights required under Mississippi rules. |
| 6 | Select an adjuster with experience in commercial, industrial, and business interruption claims. |
| 7 | Request itemized estimates, valuation documentation, and clearly explained methodologies. |
Why Partner with Continental Adjusters?
Continental Adjusters supports Mississippi commercial property owners by:
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- Verifying adjuster licensing and regulatory compliance through MID.
- Connecting business owners with adjusters experienced in hurricane, tornado, and large-loss commercial claims.
- Assisting you in policy interpretation, documentation, valuation analysis, and timeline management.
- Ensuring your claim is professionally prepared and positioned for a fair and complete recovery.
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 Mississippi, 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 Mississippi?
Contact Continental Adjusters LLC today — and take the next step toward a fair resolution.
