Delaware Information

A public adjuster is a licensed insurance claims professional who represents the insured, not the insurance company. For Delaware 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 damage caused by fire, wind, flooding, water intrusion, or severe weather events.

Continental Adjusters LLC


info@coadj.com


214-373-6600

Delaware-Specific Rules & Consumer Protections

1. Licensing Requirement

  • Delaware requires public adjusters to be licensed under Title 18 of the Delaware Code and regulated by the Delaware Department of Insurance (DDOI).
    → Delaware Department of Insurance 

2. Application & Qualification Standards

  • Applicants must meet statutory qualifications, submit an application through Delaware’s licensing system, pass required examinations, and comply with renewal requirements administered by DDOI.
    → Delaware Insurance Licensing Information

     

3. Written Contract Requirements
  • Public adjuster contracts in Delaware must be in writing and include required disclosures, fee terms, scope of services, and cancellation rights as required under Delaware law.
    → Delaware Code Title 18 – Insurance
4. Standards of Conduct
  • Delaware 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 repair work.
    → Delaware Insurance Statutes – Title 18
5. Recordkeeping Requirements
6. License Verification
  • Commercial property owners can verify a public adjuster’s license status and authority through Delaware’s official license lookup system.
    → Delaware License Lookup

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, flooding, storms, 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 multi-tenant buildings, specialized equipment, industrial operations, or large inventories requiring detailed documentation and valuation.

Resources for Delaware Commercial Property Owners

1. Delaware Department of Insurance (DDOI)
  • Regulates public adjuster licensing, contracts, and professional conduct. 
2. Delaware License Lookup
  • Verify license status and authority of any public adjuster.
3. Delaware Code, Title 18
  • Legal framework governing public adjuster licensing, contract requirements, and conduct.

Quick Checklist for Delaware 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 using Delaware’s official license lookup system.
5 Review the written contract for required Delaware 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 Delaware commercial property owners by:

  • Verifying adjuster licensing and statutory compliance under Delaware 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 Delaware, 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 Delaware?

Contact Continental Adjusters LLC today — we specialize in commercial claims and help maximize your settlement.

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