Montana Information
A public adjuster is a licensed insurance claims professional who represents the insured, not the insurance company. For Montana commercial property owners, a public adjuster can help document losses, interpret commercial policy language, evaluate business-interruption damages, and negotiate a settlement that reflects the full scope of damage caused by fire, wind, hail, water intrusion, or severe weather events.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Montana-Specific Rules & Consumer Protections
1. Licensing Requirement
- Montana requires public adjusters to be licensed under Title 33 of the Montana Code Annotated and regulated by the Montana State Auditor’s Office / Commissioner of Securities & Insurance (CSI).
→ Montana CSI – Adjuster Licensing
2. Application & Qualification Standards
- Applicants must meet statutory qualifications, submit an application, pass required examinations, and comply with background and renewal requirements administered by CSI.
→ Montana Insurance Licensing Information
3. Written Contract Requirements
- Public adjuster contracts in Montana must be in writing and include required disclosures, compensation terms, scope of services, and cancellation provisions as required by Montana law.
→ Montana Code Annotated, Title 33 – Insurance
4. Standards of Conduct
- Montana 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.
→ Montana Insurance Statutes – Title 33
5. Recordkeeping Requirements
- Public adjusters must maintain records of contracts, estimates, claim documentation, and communications for the period required under Montana insurance regulations.
→ Montana State Auditor / CSI – Regulatory Oversight
6. License Verification
- Commercial property owners can verify a public adjuster’s license status and authority through Montana’s official license lookup system.
→ Montana License Lookup (State Auditor / CSI)
When to Consider Hiring a Public Adjuster
A public adjuster may be helpful if:
- Your commercial property has suffered significant damage from fire, wind, hail, water, or severe storms.
- Your insurance claim includes business interruption, loss of rental income, or extra operating expenses.
- The insurer’s estimate appears incomplete or undervalues documented losses.
- Your property includes industrial equipment, agricultural operations, warehouses, or multi-tenant buildings requiring detailed documentation and valuation.
Resources for Montana Commercial Property Owners
1. Montana State Auditor / Commissioner of Securities & Insurance (CSI)
- Regulates public adjuster licensing, contracts, and professional conduct.
2. Montana CSI License Lookup
- Verify license status and authority of any public adjuster.
3. Montana Code Annotated, Title 33
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for Montana 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 measures. |
| 3 | Maintain a detailed log of communications with insurers and adjusting professionals. |
| 4 | Verify the adjuster’s license through the Montana CSI license lookup tool. |
| 5 | Review the written contract for required Montana disclosures, fee terms, and cancellation rights. |
| 6 | Choose an adjuster experienced in commercial, agricultural, 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 Montana commercial property owners by:
- Verifying adjuster licensing and statutory compliance under Montana law.
- Connecting owners with adjusters experienced in large-loss commercial, agricultural, 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 Montana, 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 Montana?
Contact Continental Adjusters LLC today — we specialize in commercial claims and help maximize your settlement.
