North Dakota Information
A public adjuster is a licensed insurance claims professional who represents the insured, not the insurance company. For North Dakota commercial property owners, a public adjuster can help document structural and contents losses, interpret complex policy language, calculate business-interruption damages, and negotiate a settlement that reflects the full scope of your property and operational impacts, particularly after wind, hail, wildfire, flooding, or severe storm losses.
Continental Adjusters LLC
info@coadj.com
214-373-6600
North Dakota–Specific Rules & Consumer Protections
1. Licensing Requirement
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North Dakota requires public adjusters to be licensed under Title 26.1 of the North Dakota Century Code and regulated by the North Dakota Insurance Department.
→ North Dakota Insurance Department — Licensing & Regulation
2. Application & Qualification Standards
- Applicants must meet statutory qualifications, complete examinations where applicable, and comply with licensing and renewal requirements administered by the Insurance Department.
→ North Dakota Insurance Licensing Resources
3. Written Contract Requirements
- Public adjuster contracts in North Dakota must be in writing and include required disclosures, fee terms, scope of services, and cancellation rights as established under state law.
→ North Dakota Century Code — Insurance (Title 26.1)
4. Standards of Conduct
- North Dakota law requires public adjusters to act in good faith, avoid conflicts of interest, and maintain transparency regarding compensation and claim-handling services.
→ North Dakota Insurance Statutes — Public Adjusters
5. Recordkeeping Requirements
- Public adjusters must maintain written records of contracts, estimates, claim documentation, and communications for the statutory retention period required by state regulation.
→ North Dakota Insurance Department — Regulatory Oversight
6. License Verification
- Commercial property owners can verify a public adjuster’s license status and standing using North Dakota’s official license lookup resource.
→ North Dakota 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 storms, hail, flooding, wildfire, 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, energy sector infrastructure, warehouses, agricultural operations, or multi-tenant buildings requiring detailed documentation and valuation.
Resources for North Dakota Commercial Property Owners
1. North Dakota Insurance Department
- Regulates public adjuster licensing, contracts, and professional conduct.
2. North Dakota License Lookup (NAIC State-Based Systems)
- Verify license status and authority of any public adjuster.
3. North Dakota Century Code — Title 26.1
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for North Dakota Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document all structural, contents, and business-interruption losses with photos, inventories, invoices, and financial statements. |
| 2 | Avoid final repairs until insurer inspection; retain records for all temporary mitigation. |
| 3 | Maintain a detailed log of communications with insurers and adjusting professionals. |
| 4 | Verify the adjuster’s license through North Dakota’s license lookup system. |
| 5 |
Review the written contract for required North Dakota disclosures, fee terms, and cancellation rights. |
| 6 | Choose an adjuster experienced in commercial, industrial, agricultural, energy-sector, and business-interruption claims. |
| 7 | Request itemized estimates and well-documented valuation support. |
Why Partner with Continental Adjusters?
Continental Adjusters supports North Dakota commercial property owners by:
- Verifying adjuster licensing and statutory compliance under North Dakota law.
- Connecting owners with adjusters experienced in weather-driven 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 North Dakota, 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 North Dakota?
Contact Continental Adjusters LLC today— we specialize in commercial claims and help maximize your settlement.
