Oklahoma Information
A public adjuster in Oklahoma is a licensed professional you hire who represents your interests—not the insurance company’s. For commercial property owners, their expertise in navigating complex policies, business interruption losses, and detailed damage assessments can help you recover more completely and efficiently.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Oklahoma-Specific Rules & Consumer Protections
1. Licensing & Application
- Public adjusters must be licensed through the Oklahoma Insurance Department (OID). You can find licensing and education requirements on the OID site. Applying for a License – Oklahoma Insurance Department
2. Nonresident & Reciprocity Rules
- If you live out of state, you may apply as a nonresident adjuster subject to reciprocity rules. OID provides details on nonresident adjuster licensing. Non resident Adjuster – Oklahoma Insurance Department
3. Required Bond Amounts
- In Oklahoma, public adjusters must file a $25,000 surety bond as part of the licensing requirement. How to Get an Oklahoma Public Adjuster License | 4-Step Guide
4. Statutory Duties & Recordkeeping
- Oklahoma law mandates that public adjusters maintain detailed records (e.g. contract, itemized statements, trust accounts, disclosure documents) for 5 years and provide disclosures to the insured. https://law.justia.com/codes/louisiana/revised-statutes/title-22/rs-22-1703/
5. Emergency Adjuster Authority
- For catastrophe declarations, OID issues emergency adjuster licenses valid for 90 days tied to the specific event. Emergency Adjuster License – Oklahoma Insurance Department
6. License Lookup & Transparency
- You can verify an adjuster’s license status, view their license history, and print license documents using OID’s Licensee Lookup tool. Licensee Look Up – Oklahoma Insurance Department
When to Consider Hiring a Public Adjuster
You may want to engage a public adjuster in these scenarios:
- Your commercial property has sustained significant structural damage (fire, storm, water, or vandalism).
- You are filing a business interruption or lost revenue claim in addition to property damage.
- Your insurer’s initial offer seems low compared to your actual losses.
- Multiple units, inventory, or specialty coverage is involved—requiring detailed claims handling.
Resources for Oklahoma Commercial Property Owners
1. Oklahoma Insurance Department (OID)
- The primary regulator overseeing adjuster licensing, bonds, and required disclosures for public adjusters.
2. OID Licensee Lookup
- A direct tool you can use to verify any adjuster’s licensing status and history.
3. OID Nonresident Adjuster Information
- Details applicable if the adjuster you’re considering is based out of state.
Quick Checklist for Oklahoma Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document all damage and business interruption losses (photos, receipts, logs). |
| 2 | Delay permanent repairs until you’ve allowed insurer inspection; document temporary repairs. |
| 3 | Log all communications with your insurer and adjuster (date, name, subject). |
| 4 | Verify the adjuster’s license and bond via OID’s Licensee Lookup. |
| 5 | Ensure the contract meets statutory requirements and includes required disclosures. |
| 6 | Confirm the adjuster has experience handling commercial and business interruption claims. |
| 7 | Ask for itemized estimates, trust/escrow account assurances, and clear documentation. |
Why Partner with Continental Adjusters?
With Continental Adjusters by your side, you benefit from:
-
- Validation of adjuster credentials, bonding, contracts, and compliance with Oklahoma law.
- Connections to public adjusters experienced in commercial property and business interruption claims.
- Guided use of OID resources and tools to protect your interests.
- Confidence that your claim is being handled ethically, transparently, and with your best recovery in mind.
Commercial property claims in Oklahoma can be highly technical—especially when business interruption, inventory, or multi-unit structures are involved. Continental Adjusters are licensed, bonded, and knowledgeable public adjusters, who will help to ensure your claim is documented thoroughly, handled professionally, and negotiated to reflect your true losses.
Need Help Finding a Public Adjuster in Oklahoma?
Contact Continental Adjusters LLC today — we specialize in commercial claims and help maximize your settlement.
