New Mexico Information
A public adjuster is a licensed insurance claims professional who represents the insured, not the insurance company. For New Mexico commercial property owners, a public adjuster can help document structural and contents losses, interpret complex commercial policy language, evaluate business-interruption damages, and negotiate a settlement that reflects the full scope of your operational and property impacts, particularly after wildfire, windstorm, flooding, or water-related damage.
Continental Adjusters LLC
info@coadj.com
214-373-6600
New Mexico–Specific Rules & Consumer Protections
1. Licensing Requirement
-
New Mexico requires public adjusters to be licensed under the New Mexico Insurance Code and regulated by the Office of Superintendent of Insurance (OSI).
→ New Mexico OSI — Adjuster Licensing
2. Application & Qualification Standards
- Applicants must meet statutory qualifications, pass examinations, and comply with application, renewal, and continuing-education requirements administered by OSI.
→ New Mexico Insurance Licensing Information
3. Written Contract Requirements
- Public adjuster contracts in New Mexico must be in writing and include compensation terms, required disclosures, defined scope of services, and cancellation rights as set forth in state law.
→ New Mexico Statutes — Insurance Code (Chapter 59A)
4. Standards of Conduct
- New Mexico law requires public adjusters to act in good faith, avoid conflicts of interest, and maintain transparency regarding services and compensation.
→ New Mexico Insurance Statutes — Adjuster Regulation
5. Recordkeeping Requirements
- Public adjusters must maintain written records of contracts, estimates, claim documentation, and communications for the statutory retention period required by OSI.
→ New Mexico Office of Superintendent of Insurance — Regulatory Oversight
6. License Verification
- Commercial property owners can verify the license status and standing of any public adjuster using New Mexico’s official licensing portal.
→ New Mexico 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 wildfire, smoke, flooding, wind, or water intrusion.
- Your claim includes business interruption, loss of rental income, or extra operating expenses.
- The insurer’s initial estimate appears incomplete or undervalues documented losses.
- Your property involves industrial facilities, hospitality operations, warehouses, healthcare, multi-tenant buildings, or specialized equipment requiring detailed documentation and valuation.
Resources for New Mexico Commercial Property Owners
1. New Mexico Office of Superintendent of Insurance (OSI)
- Regulates public adjuster licensing, contracts, and professional conduct.
2. New Mexico License Lookup (NAIC State-Based Systems)
- Verify license status and authority of any public adjuster.
3. New Mexico Insurance Code — Chapter 59A
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for New Mexico 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; keep records of all temporary mitigation. |
| 3 | Maintain a detailed log of communications with insurers and adjusting professionals. |
| 4 | Verify the adjuster’s license through the New Mexico license lookup system. |
| 5 |
Review the written contract for required New Mexico disclosures, fee terms, and cancellation rights. |
| 6 | Choose an adjuster experienced in commercial, industrial, hospitality, and business-interruption claims. |
| 7 | Request itemized estimates and well-documented valuation support. |
Why Partner with Continental Adjusters?
Continental Adjusters supports New Mexico commercial property owners by:
- Verifying adjuster licensing and statutory compliance under New Mexico law.
- Connecting business owners with adjusters experienced in wildfire, flood, 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 New Mexico, 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 Mexico?
Contact Continental Adjusters LLC today— we specialize in commercial claims and help maximize your settlement.
