Maryland Information
A public adjuster is a licensed insurance claims professional who represents the policyholder, not the insurance company. For Maryland commercial property owners, a public adjuster can help document property damage, interpret complex commercial insurance policies, calculate business-interruption losses, and negotiate a settlement that reflects the full scope of damage caused by fire, wind, water intrusion, flooding, or severe storms.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Maryland-Specific Rules & Consumer Protections
1. Licensing Requirement
- Maryland requires public adjusters to be licensed under the Maryland Insurance Code and regulated by the Maryland Insurance Administration.
→ Maryland Insurance Administration — Adjuster Licensing
2. Application & Qualification Standards
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Applicants must meet statutory qualifications, submit an application, complete examination requirements, and comply with renewal standards administered by the Maryland Insurance Administration.
→ Maryland Insurance Licensing Information
3. Written Contract Requirements
- Public adjuster contracts in Maryland must be in writing and include required disclosures, compensation terms, scope of services, and cancellation rights as established under Maryland law.
→ Maryland Insurance Code — Public Adjusters (Title 10)
4. Standards of Conduct
- Maryland law requires public adjusters to act in good faith, avoid conflicts of interest, and provide transparent disclosures regarding compensation and services.
→ Maryland Insurance Statutes — Adjuster Conduct
5. Recordkeeping Requirements
- Public adjusters must maintain records of contracts, estimates, claim documentation, and communications for the period required under Maryland insurance regulations.
→ Maryland Insurance Administration — Regulatory Oversight
6. License Verification
- Commercial property owners can verify a public adjuster’s license status and authority using Maryland’s official license lookup system.
→ Maryland License Lookup
When to Consider Hiring a Public Adjuster
A public adjuster may be helpful if:
- Your commercial property has sustained significant damage from fire, wind, flooding, or water intrusion.
- Your claim includes business interruption, loss of rental income, or extra operating expenses.
- The insurer’s estimate appears incomplete or does not fully reflect documented losses.
- Your property involves multi-tenant buildings, industrial facilities, healthcare, hospitality, manufacturing, or specialized equipment requiring detailed valuation and documentation.
Resources for Maryland Commercial Property Owners
1. Maryland Insurance Administration (MIA)
- Regulates public adjuster licensing, contracts, and professional conduct.
2. Maryland License Lookup
- Verify license status and authority of any public adjuster.
3. Maryland Insurance Code — Title 10
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for Maryland Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document all structural, contents, and business-interruption losses with photos, inventories, invoices, and financial records. |
| 2 | Delay permanent repairs until insurer inspection; retain records for all temporary mitigation work. |
| 3 | Maintain a detailed log of communications with insurers and adjusting professionals. |
| 4 | Verify the adjuster’s license through Maryland’s official license lookup system. |
| 5 | Review the written contract for required Maryland disclosures, fee terms, and cancellation rights. |
| 6 | Choose an adjuster experienced in commercial, industrial, healthcare, hospitality, and business-interruption claims. |
| 7 | Request itemized estimates and documentation supporting the scope and valuation of loss. |
Why Partner with Continental Adjusters?
Continental Adjusters supports Maryland commercial property owners by:
- Verifying adjuster licensing and statutory compliance under Maryland law.
- Connecting owners with adjusters experienced in large-loss and complex commercial 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 Maryland, 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 Maryland?
Contact Continental Adjusters LLC today — we are here to help you get the settlement you deserve.
