Oregon Information
A public adjuster is a licensed insurance claims professional who represents the insured, not the insurance company. For Oregon commercial property owners, a public adjuster can help document losses, interpret commercial policy language, calculate business-interruption damages, and negotiate a settlement that reflects the full scope of damage from fire, wind, wildfire smoke, water intrusion, storms, or other covered events.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Oregon-Specific Rules & Consumer Protections
1. Licensing Requirement
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Oregon requires public adjusters to be licensed under the Oregon Insurance Code and regulated by the Oregon Division of Financial Regulation (DFR), part of the Department of Consumer & Business Services.
→ Oregon Division of Financial Regulation – Adjuster Licensing
2. Application & Qualification Standards
- Applicants must meet statutory qualifications, complete the state licensing process, pass required exams, and comply with renewal and continuing-education requirements.
→ Oregon Insurance Licensing Information
3. Written Contract Requirements
- Public adjuster contracts in Oregon must be in writing and include required disclosures, compensation terms, defined scope of services, and cancellation rights as set forth in Oregon law.
→ Oregon Revised Statutes – Insurance (ORS Chapter 744)
4. Standards of Conduct
- Oregon law requires public adjusters to act in the insured’s best interest, avoid conflicts of interest, and provide transparent disclosures regarding compensation and services.
→ Oregon Insurance Statutes – Adjuster Conduct
5. Recordkeeping Requirements
- Public adjusters must maintain records of contracts, estimates, claim documentation, and communications for the time period required under Oregon regulations.
→ Oregon Division of Financial Regulation – Oversight & Regulation
6. License Verification
- Commercial property owners can verify a public adjuster’s license status and authority through Oregon’s official license lookup system.
→ Oregon Insurance License Lookup
When to Consider Hiring a Public Adjuster
A public adjuster may be helpful if:
- Your commercial property has suffered significant physical damage from fire, wildfire, smoke, wind, 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 damages.
- Your property involves multi-tenant buildings, specialized equipment, industrial operations, agricultural assets, or large inventories requiring professional valuation and documentation.
Resources for Oregon Commercial Property Owners
1. Oregon Division of Financial Regulation (DFR)
- Regulates public adjuster licensing, contracts, and professional conduct.
2. Oregon License Lookup (NAIC State-Based Systems)
- Verify license status and authority of any public adjuster.
3. Oregon Revised Statutes – Chapter 744
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for Oregon Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document all property damage and business-interruption losses with photos, invoices, and financial records. |
| 2 | Delay permanent repairs until insurer inspection; document all temporary mitigation work. |
| 3 | Maintain a detailed log of communications with insurers and adjusting professionals. |
| 4 | Verify the adjuster’s license through Oregon’s license lookup system. |
| 5 |
Review the written contract for required Oregon disclosures, fee terms, and cancellation rights. |
| 6 | Choose an adjuster experienced in commercial, industrial, agricultural, and business-interruption claims. |
| 7 | Request itemized estimates, valuation support, and documentation explaining the scope of loss. |
Why Partner with Continental Adjusters?
Continental Adjusters supports Oregon commercial property owners by:
- Verifying adjuster licensing and statutory compliance under Oregon 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 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 Oregon, 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 Oregon?
Contact Continental Adjusters LLC today— we specialize in commercial claims and help maximize your settlement.
