Minnesota Information
A public adjuster is a licensed insurance claims professional who represents the insured, not the insurance company. For Minnesota commercial property owners, a public adjuster can help document complex losses, interpret policy language, evaluate business-interruption damages, and negotiate a settlement that reflects the full scope of property and operational impacts, particularly after fire, wind, hail, water, or winter-related losses.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Minnesota-Specific Rules & Consumer Protections
1. Licensing Requirement
- Minnesota requires public adjusters to be licensed under Minnesota Statutes Chapter 72B and regulated by the Minnesota Department of Commerce.
→ Minnesota Department of Commerce – Insurance Licensing
2. Application & Qualification Standards
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Applicants must meet statutory qualifications, submit an application, and comply with licensing and renewal requirements administered by the Department of Commerce.
→ Minnesota Insurance Licensing Information
3. Written Contract Requirements
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Public adjuster contracts in Minnesota must be in writing and include required disclosures, compensation terms, scope of services, and cancellation provisions as set forth in state statute.
→ Minnesota Statutes Chapter 72B
4. Standards of Conduct
- Minnesota law requires public adjusters to act in the insured’s best interest, maintain transparency, and avoid conflicts of interest related to claim handling or repairs.
→ Minnesota Statutes – Insurance Regulation
5. Recordkeeping Requirements
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Public adjusters must maintain records of contracts, estimates, claim documentation, and communications for the period required under Minnesota law.
→ Minnesota Department of Commerce – Insurance Oversight
6. License Verification
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Commercial property owners can verify a public adjuster’s license status and authority through Minnesota’s official license lookup system.
→ Minnesota 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, hail, water intrusion, or severe winter events.
- Your claim includes business interruption, extra expenses, or loss of rental income.
- The insurer’s initial estimate appears incomplete or undervalues documented losses.
- Your property involves multi-tenant buildings, industrial equipment, large inventory, or specialized operations requiring detailed documentation.
Resources for Minnesota Commercial Property Owners
1. Minnesota Department of Commerce
- Regulates public adjuster licensing, contracts, and professional conduct.
2. Minnesota License Lookup
- Verify license status and authority of any public adjuster.
3. Minnesota Statutes Chapter 72B
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for Minnesota Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document all property damage and business-interruption losses (photos, invoices, financial records). |
| 2 | Delay permanent repairs until insurer inspection; keep records of temporary mitigation work. |
| 3 | Maintain a detailed log of all communications with insurers and adjusting professionals. |
| 4 | Verify the adjuster’s license through Minnesota’s official license lookup. |
| 5 | Review the written contract for required Minnesota disclosures, fee terms, and cancellation rights. |
| 6 | Select an adjuster with experience in commercial, industrial, and business-interruption claims. |
| 7 | Request itemized estimates, valuation support, and clear documentation of loss methodology. |
Why Partner with Continental Adjusters?
Continental Adjusters supports Minnesota commercial property owners by:
- Verifying adjuster licensing and statutory compliance under Minnesota 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 prepared thoroughly, professionally, and positioned for fair resolution.
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 Minnesota, 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 Minnesota?
Contact Continental Adjusters LLC today — we specialize in commercial claims and help maximize your settlement.
