Ohio Information
A public adjuster is an insurance claims professional who represents your interests—not the insurance company’s. For commercial property owners in Ohio, this can be crucial. Public adjusters document damage, interpret complex policy language, and negotiate directly with insurers to help ensure your business receives a fair settlement.
Continental Adjusters LLC – Ohio Office
7887 Hub Parkway, Valley View, OH 44125
info@coadj.com
214-373-6600
Ohio-Specific Rules & Consumer Protections
1. Licensing & Bonding
- Public adjusters in Ohio must be licensed and maintain a $1,000 surety bond to safeguard clients.
- Verify an adjuster’s status with the Ohio Department of Insurance License Lookup Tool.
2. Approved Contracts
- Ohio requires all public adjuster contracts to be filed with and approved by the Superintendent of Insurance before they can be used.
- Contracts must include fee terms, disclosure of services, and consumer protections.
- See the rules here: Ohio Admin. Code 3901-1-24.
3. Professional Conduct Standards
- Adjusters cannot have a financial interest in property repairs.
- They cannot present themselves as affiliated with your insurance company.
- They must keep claim records for at least 3 years.
When to Consider Hiring a Public Adjuster
- Complex damage to a property from fire, storm, wind, or other disasters that causes business interruption often requires professional documentation and valuation.
- If the insurance company’s offer is too low, a public adjuster can reassess the loss and negotiate a fair payout.
- When the claims process feels overwhelming, having a licensed expert ensures deadlines are met and rights are protected.
- If your claim is delayed, denied, or not moving forward, a public adjuster can push for a proper resolution.
Resources for Ohio Commercial Property Owners
United Policyholders (UP)
- Nonprofit resource offering Ohio-specific guidance, sample letters, and tips for hiring professionals.
- United Policyholders – Ohio Resource Hub
Quick Checklist for Ohio Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document all property and business interruption losses (photos, receipts, logs). |
| 2 | Avoid permanent repairs until the insurer inspects. Keep receipts for temporary work. |
| 3 | Track all communications with your insurer and adjuster. |
| 4 | Verify adjuster’s license and bond with ODI’s Lookup Tool. |
| 5 | Confirm the contract is ODI-approved and contains all required disclosures. |
| 6 | Ask about commercial claim experience (business interruption, inventory, large losses). |
| 7 | Use trusted firms (Ohio Fire Claims, Capital Adjusting, Skyline, Tiger Adjusters). |
| 8 | File complaints or request assistance via ODI Consumer Services. |
Why Align with Continental Adjusters?
At Continental Adjusters, we support Ohio commercial property owners by:
- Helping verify adjuster licenses, bonds, and contract approval status.
- Connecting you with reputable, experienced adjusters who specialize in business claims.
- Guiding you through the ODI complaint process if issues arise.
- Ensuring your recovery is maximized, with compliance and fairness at the forefront.
Commercial property damage claims in Ohio can be high-stakes and complex. By working with a licensed, bonded, and reputable public adjuster, you gain an advocate who understands business insurance, property restoration, and claim negotiation.
Need Help Finding a Public Adjuster in Ohio?
Contact Continental Adjusters LLC today — we’ll help you protect your business and secure the settlement you deserve.
