Maine Information
A public adjuster is a licensed insurance claims professional who represents the insured, not the insurance company. For Maine 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 caused by fire, wind, water intrusion, winter storms, or other covered events.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Maine-Specific Rules & Consumer Protections
1. Licensing Requirement
- Maine requires public adjusters to be licensed under Title 24-A of the Maine Revised Statutes and regulated by the Maine Bureau of Insurance.
→ Maine Bureau of Insurance – Adjuster Licensing
2. Application & Qualification Standards
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Applicants must meet statutory qualifications, submit an application through the state’s licensing system, and comply with examination and background requirements administered by the Bureau of Insurance.
→ Maine Insurance Licensing Information
3. Written Contract Requirements
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Public adjuster contracts in Maine must be in writing and include required disclosures, compensation terms, scope of services, and cancellation provisions as required by Maine law.
→ Maine Revised Statutes, Title 24-A (Insurance)
4. Standards of Conduct
- Maine law requires public adjusters to act in the insured’s best interest, provide clear disclosures regarding compensation, and avoid conflicts of interest related to repairs or claim handling.
→ Maine Insurance Code – Adjuster Conduct Standards
5. Recordkeeping Requirements
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Public adjusters must maintain records of contracts, estimates, claim documentation, and communications for the period required under Maine insurance regulations.
→ Maine Bureau of Insurance – Regulatory Oversight
6. License Verification
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Commercial property owners can verify a public adjuster’s license status and authority using Maine’s official license lookup system.
→ Maine Insurance License Search
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, snow load, 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, industrial operations, specialized equipment, or large inventories requiring detailed documentation.
Resources for Maine Commercial Property Owners
1. Maine Bureau of Insurance
- Regulates public adjuster licensing, contracts, and professional conduct.
2. Maine Insurance License Lookup
- Verify license status and authority of any public adjuster.
3. Maine Revised Statutes, Title 24-A
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for Maine 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 the Maine Insurance license lookup system. |
| 5 | Review the written contract for required Maine 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 Maine commercial property owners by:
- Verifying adjuster licensing and statutory compliance under Maine 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 Maine, 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 Maine?
Contact Continental Adjusters LLC today — we specialize in commercial claims and help maximize your settlement.
