New Jersey Information
A public adjuster is a licensed insurance claims professional who represents the insured, not the insurance company. For New Jersey commercial property owners, a public adjuster can help document property damage, interpret commercial policy language, calculate business-interruption losses, and negotiate a settlement that reflects the full scope of damage caused by fire, wind, flooding, water intrusion, or other covered events.
Continental Adjusters LLC
info@coadj.com
214-373-6600
New Jersey–Specific Rules & Consumer Protections
1. Licensing Requirement
- New Jersey requires public adjusters to be licensed under the New Jersey Insurance Code and regulated by the New Jersey Department of Banking and Insurance (DOBI).
→ New Jersey DOBI – Public Adjuster Licensing
2. Application & Qualification Standards
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Applicants must meet statutory qualifications, submit an application through the state licensing system, pass required examinations, and comply with renewal requirements administered by DOBI.
→ New Jersey Insurance Licensing Information
3. Written Contract Requirements
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Public adjuster contracts in New Jersey must be in writing and include required disclosures, fee terms, scope of services, and cancellation rights as required under New Jersey law.
→ New Jersey Administrative Code – Public Adjusters (N.J.A.C. 11:1-37)
4. Standards of Conduct
- New Jersey law requires public adjusters to act in the insured’s best interest, provide transparent disclosures regarding compensation, and avoid conflicts of interest related to claim handling or repair work.
→ New Jersey Administrative Code – Standards of Conduct
5. Recordkeeping Requirements
- Public adjusters must maintain records of contracts, estimates, claim documentation, and communications for the period required under New Jersey insurance regulations.
→ New Jersey Department of Banking and Insurance – Regulatory Oversight
6. License Verification
- Commercial property owners can verify a public adjuster’s license status and authority through New Jersey’s official license lookup system.
→ New Jersey License Lookup
When to Consider Hiring a Public Adjuster
A public adjuster may be helpful if:
- Your commercial property has suffered significant physical damage from fire, wind, flooding, storms, or water intrusion.
- Your claim includes business interruption, lost rental income, or extra operating expenses.
- The insurer’s estimate appears incomplete or undervalues documented losses.
- Your property involves multi-tenant buildings, specialized equipment, industrial operations, or large inventories requiring detailed documentation and valuation.
Resources for New Jersey Commercial Property Owners
1. New Jersey Department of Banking and Insurance (DOBI)
- Regulates public adjuster licensing, contracts, and professional conduct.
2. New Jersey License Lookup
- Verify license status and authority of any public adjuster.
3. New Jersey Administrative Code (N.J.A.C. 11:1-37)
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for New Jersey Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document all property damage and business-interruption losses with photos, invoices, and financial records. |
| 2 | Delay permanent repairs until insurer inspection; document all temporary mitigation work. |
| 3 | Maintain a detailed log of communications with insurers and adjusting professionals. |
| 4 | Verify the adjuster’s license using New Jersey’s official license lookup system. |
| 5 | Review the written contract for required New Jersey disclosures, fee terms, and cancellation rights. |
| 6 | Choose an adjuster experienced in commercial, industrial, and business-interruption claims. |
| 7 | Request itemized estimates, valuation support, and documentation explaining the scope of loss. |
Why Partner with Continental Adjusters?
Continental Adjusters supports New Jersey commercial property owners by:
- Verifying adjuster licensing and statutory compliance under New Jersey law.
- Connecting owners with adjusters experienced in large-loss commercial and business-interruption claims.
- Assisting with documentation, valuation review, and policy interpretation.
- Ensuring claims are 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 New Jersey, 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 New Jersey?
Contact Continental Adjusters LLC today — we specialize in commercial claims and help maximize your settlement.
