Connecticut Information
A public adjuster is a licensed insurance claims professional who represents the insured, not the insurance company. For Connecticut commercial property owners, a public adjuster can help document property damage, interpret commercial policy language, evaluate business-interruption losses, and negotiate a settlement that reflects the full scope of damages from fire, wind, water intrusion, severe storms, or other covered events.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Connecticut-Specific Rules & Consumer Protections
1. Licensing Requirement
- Connecticut requires public adjusters to be licensed under the Connecticut Insurance Code and regulated by the Connecticut Insurance Department (CID).
→ Connecticut Insurance Department – 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 CID.
→ Connecticut Insurance Licensing Information
3. Written Contract Requirements
- Public adjuster contracts in Connecticut must be in writing and include required disclosures, fee terms, scope of services, and cancellation provisions as required by state law.
→ Connecticut General Statutes – Public Adjusters (Title 38a)
4. Standards of Conduct
- Connecticut 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 repairs.
→ Connecticut Insurance Regulations & Statutes (Title 38a)
5. Recordkeeping Requirements
- Public adjusters must maintain records of contracts, estimates, claim documentation, and communications for the period required under Connecticut insurance regulations.
→ Connecticut Insurance Department – Regulatory Oversight
6. License Verification
- Commercial property owners can verify a public adjuster’s license status and authority using Connecticut’s official license lookup system.
→ Connecticut License Lookup (eLicense)
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, water, flooding, or severe weather.
- Your claim includes business interruption, loss of 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.
Resources for Connecticut Commercial Property Owners
1. Connecticut Insurance Department (CID)
- Regulates public adjuster licensing, contracts, and professional conduct.
2. Connecticut eLicense Portal
- Verify license status and authority of any public adjuster.
3. Connecticut General Statutes, Title 38a
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for Connecticut 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 through Connecticut’s eLicense system. |
| 5 | Review the written contract for required Connecticut 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 Connecticut commercial property owners by:
- Verifying adjuster licensing and statutory compliance under Connecticut 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 Connecticut, 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 Connecticut?
Contact Continental Adjusters LLC today — we specialize in commercial claims and help maximize your settlement.
