Utah Information
A public adjuster is a licensed insurance claims professional who represents the insured, not the insurance company. For Utah commercial property owners, a public adjuster can help document structural damage, interpret complex commercial policy language, assess business-interruption losses, and negotiate a settlement that reflects the full scope of your property and operational damages from wind, wildfire, flooding, storms, or other covered events.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Utah-Specific Rules & Consumer Protections
1. Licensing Requirement
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Utah requires public adjusters to be licensed under Title 31A of the Utah Insurance Code and regulated by the Utah Insurance Department.
→ Utah Insurance Department — Adjuster Licensing
2. Application & Qualification Standards
- Applicants must meet statutory qualifications, pass examination requirements, and comply with renewal and continuing-education rules administered by the Utah Insurance Department.
→ Utah Insurance Licensing Information
3. Written Contract Requirements
- Public adjuster contracts in Utah must be in writing and include required disclosures, compensation terms, description of services, and cancellation rights under state law.
→ Utah Insurance Code — Title 31A
4. Standards of Conduct
- Utah law requires public adjusters to act in good faith, maintain transparency in compensation and relationships, and avoid conflicts of interest related to repairs or claims handling.
→ Utah Insurance Code — Adjuster Regulations
5. Recordkeeping Requirements
- Public adjusters must maintain contracts, estimates, claim documentation, and communications for the retention period required by Utah insurance regulations.
→ Utah Insurance Department — Regulatory Oversight
6. License Verification
- Commercial property owners can verify adjuster licensing and authority through Utah’s official license lookup resource.
→ Utah License Lookup (State-Based Systems)
When to Consider Hiring a Public Adjuster
A public adjuster may be helpful if:
- Your commercial property has suffered significant damage from wildfire, windstorms, flooding, or water intrusion.
- 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 industrial facilities, warehouses, multi-tenant buildings, hospitality, healthcare, manufacturing, or specialized equipment requiring professional valuation and documentation.
Resources for Utah Commercial Property Owners
1. Utah Insurance Department
- Regulates public adjuster licensing, contracts, and professional conduct.
2. Utah License Lookup (NAIC State-Based Systems)
- Verify license status and authority of any public adjuster.
3. Utah Insurance Code — Title 31A
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for Utah Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document structural, contents, and business-interruption losses with photos, invoices, inventory reports, and financial statements. |
| 2 | Avoid permanent repairs before insurer inspection; retain records for all temporary mitigation. |
| 3 | Maintain a written log of all communications with insurers and adjusting professionals. |
| 4 | Verify the adjuster’s license through Utah’s official license lookup. |
| 5 |
Review the written contract for required Utah disclosures, fee terms, and cancellation rights. |
| 6 | Choose an adjuster experienced in commercial, industrial, hospitality, and business-interruption claims. |
| 7 | Request itemized estimates and well-documented valuation support. |
Why Partner with Continental Adjusters?
Continental Adjusters supports Utah commercial property owners by:
- Verifying adjuster licensing and compliance with Utah’s statutory requirements.
- Connecting business owners with adjusters experienced in wildfire, flood, windstorm, and large-loss commercial claims.
- Assisting with documentation, valuation analysis, 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 Utah, 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 Utah?
Contact Continental Adjusters LLC today— we specialize in commercial claims and help maximize your settlement.
