Arizona Information
A public adjuster is a licensed claims professional hired by the insured, not the insurance company. For commercial property owners in Arizona, a public adjuster can help you document complex damage, navigate policy language, manage business interruption calculations, and negotiate a settlement that accurately reflects the scope of your loss.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Arizona-Specific Rules & Consumer Protections
1. Licensing Requirement
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Arizona requires public adjusters to be licensed under Title 20 of the Arizona Revised Statutes.
→ Licensing details are provided by the Arizona Department of Insurance & Financial Institutions (DIFI). Arizona Department of Insurance and Financial Institutions | Home
2. Application & Qualification Requirements
- Applicants must meet age and fitness requirements, pass an exam, undergo background checks, and satisfy statutory obligations before licensure.
→ Requirements listed on the Arizona DIFI licensing page. Arizona Department of Insurance and Financial Institutions | Home
3. Written Contract Requirements
- Public adjuster contracts must be in writing and include fee terms, disclosures, compensation structure, and cancellation rights as defined in Arizona insurance statutes.
→ Contract rules appear in Arizona’s public adjuster statutes. Arizona Revised Statutes
4. Standards of Conduct
- Public adjusters must act in the insured’s best interest, provide transparent explanations of services, and avoid conflicts regarding repair work or compensation sources.
→ Conduct standards are defined within Arizona’s Title 20 insurance statutes. Arizona Revised Statutes
5. Recordkeeping Requirements
- Public adjusters must maintain records of contracts, estimates, claim communications, and supporting documentation for the period required by statute.
→ Recordkeeping requirements appear in Arizona insurance regulations. Arizona Department of Insurance and Financial Institutions | Home
6. License Verification
- Commercial property owners can verify an adjuster’s active license using the Arizona DIFI license lookup system.
→ License lookup available through Arizona DIFI. Arizona Department of Insurance and Financial Institutions | Home
When to Consider Hiring a Public Adjuster
You may wish to hire a public adjuster if:
- Your commercial property has suffered significant physical damage from fire, wind, monsoon storms, water, or vandalism.
- Your claim includes business interruption, rental income loss, or extra operating expenses.
- The insurer’s initial estimate appears incomplete or undervalues documented losses.
- You operate multi-tenant buildings, facilities with specialized machinery, or properties requiring detailed technical assessments.
Resources for Arizona Commercial Property Owners
1. Arizona Department of Insurance & Financial Institutions (DIFI)
- Regulates public adjusters, licensing, contracts, and professional conduct.
2. Arizona Public Adjuster Licensing Page
- Provides exam requirements, forms, contract rules, and renewal standards.
3. Arizona Revised Statutes, Title 20
- Governs public adjuster authority, disclosures, duties, and contract requirements.
Quick Checklist for Arizona Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document all property and business-interruption damages with photos, logs, invoices, and financial records. |
| 2 | Postpone permanent repairs until insurer inspection; document any urgent temporary repairs. |
| 3 | Maintain a detailed timeline of all communications with the insurer and adjuster. |
| 4 | Verify the adjuster’s license via the Arizona DIFI license lookup. |
| 5 |
Review the written contract for required disclosures, fees, and cancellation rights. |
| 6 | Choose an adjuster with proven experience in commercial and business-interruption claims. |
| 7 | Request detailed estimates, valuation methodology, and clear explanations of scope adjustments. |
Why Partner with Continental Adjusters?
Continental Adjusters supports Arizona commercial property owners by:
- Confirming adjuster licensing and statutory compliance through Arizona DIFI.
- Providing access to adjusters experienced in large-loss commercial and business-interruption claims.
- Assisting with documentation requirements, valuation reviews, and policy interpretation.
- Ensuring your claims process is thorough, organized, and aligned with Arizona regulatory standards.
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 Arizona, 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 Arizona?
Contact Continental Adjusters LLC today — we’ll ensure your interests are protected and your claim is maximized.
