New Hampshire Information
A public adjuster is a licensed insurance claims professional who represents the policyholder, not the insurance company. For New Hampshire commercial property owners, a public adjuster can assist with documenting property damage, interpreting commercial insurance policy language, calculating business-interruption losses, and negotiating a settlement that reflects the full scope of damage caused by fire, wind, water intrusion, snow load, or severe weather events.
Continental Adjusters LLC
info@coadj.com
214-373-6600
New Hampshire–Specific Rules & Consumer Protections
1. Licensing Requirement
- New Hampshire requires public adjusters to be licensed under the New Hampshire Insurance Code and regulated by the New Hampshire Insurance Department (NHID).
→ New Hampshire Insurance Department — Adjuster Licensing
2. Application & Qualification Standards
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Applicants must meet statutory qualifications, submit an application through the state licensing system, pass required examinations, and comply with renewal requirements administered by NHID.
→ New Hampshire Insurance Licensing Information
3. Written Contract Requirements
- Public adjuster contracts in New Hampshire must be in writing and include required disclosures, compensation terms, scope of services, and cancellation rights as established under state law.
→ New Hampshire Revised Statutes Annotated — Insurance (RSA 402-B)
4. Standards of Conduct
- New Hampshire law requires public adjusters to act in good faith, avoid conflicts of interest, and provide transparent disclosures regarding compensation and claim-handling services.
→ New Hampshire Insurance Statutes — RSA 402-B
5. Recordkeeping Requirements
- Public adjusters must maintain records of contracts, estimates, claim documentation, and communications for the period required under New Hampshire insurance regulations.
→ New Hampshire Insurance Department — Regulatory Oversight
6. License Verification
- Commercial property owners can verify a public adjuster’s license status and authority using New Hampshire’s official license lookup system.
→ New Hampshire 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, windstorms, heavy snow, ice, 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, manufacturing facilities, warehouses, hospitality, healthcare, or specialized equipment requiring detailed valuation and documentation.
Resources for New Hampshire Commercial Property Owners
1. New Hampshire Insurance Department (NHID)
- Regulates public adjuster licensing, contracts, and professional conduct.
2. New Hampshire License Lookup
- Verify license status and authority of any public adjuster.
3. New Hampshire Revised Statutes Annotated (RSA 402-B)
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for New Hampshire 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 New Hampshire’s official license lookup system. |
| 5 | Review the written contract for required New Hampshire disclosures, fee terms, and cancellation rights. |
| 6 | Choose an adjuster experienced in commercial, industrial, manufacturing, 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 New Hampshire commercial property owners by:
- Verifying adjuster licensing and statutory compliance under New Hampshire law.
- Connecting owners with adjusters experienced in complex and large-loss 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 New Hampshire, 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 New Hampshire?
Contact Continental Adjusters LLC today — we are here to help you get the settlement you deserve.
