Rhode Island Information
A public adjuster is a licensed insurance claims professional who represents the policyholder, not the insurance company. For Rhode Island commercial property owners, a public adjuster can help document property damage, interpret complex commercial insurance policy language, calculate business-interruption losses, and negotiate a settlement that reflects the full scope of damage caused by fire, wind, coastal storms, flooding, or water intrusion.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Rhode Island–Specific Rules & Consumer Protections
1. Licensing Requirement
- Rhode Island requires public adjusters to be licensed under the Rhode Island Insurance Code and regulated by the Rhode Island Department of Business Regulation, Insurance Division (DBR).
→ Rhode Island DBR — Adjuster Licensing
2. Application & Qualification Standards
- Applicants must meet statutory qualifications, submit an application through the state licensing system, pass required examinations, and comply with renewal requirements administered by DBR.
→ Rhode Island Insurance Licensing Information
3. Written Contract Requirements
- Public adjuster contracts in Rhode Island must be in writing and include required disclosures, compensation terms, scope of services, and cancellation rights as established under Rhode Island law.
→ Rhode Island General Laws — Insurance (Title 27)
4. Standards of Conduct
- Rhode Island law requires public adjusters to act in good faith, provide transparent disclosures regarding compensation, and avoid conflicts of interest related to claim handling or repair work.
→ Rhode Island Insurance Statutes — Adjuster Conduct
5. Recordkeeping Requirements
- Public adjusters must maintain records of contracts, estimates, claim documentation, and communications for the period required under Rhode Island insurance regulations.
→ Rhode Island Department of Business Regulation — Regulatory Oversight
6. License Verification
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Commercial property owners can verify a public adjuster’s license status and authority using Rhode Island’s official license lookup system.
→ Rhode Island 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, coastal weather, flooding, 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, hospitality properties, manufacturing facilities, healthcare operations, or specialized equipment requiring detailed valuation and documentation.
Resources for Rhode Island Commercial Property Owners
1. Rhode Island Department of Business Regulation – Insurance Division
- Regulates public adjuster licensing, contracts, and professional conduct.
2. Rhode Island License Lookup
- Verify license status and authority of any public adjuster.
3. Rhode Island General Laws, Title 27
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for Rhode Island 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 Rhode Island’s official license lookup system. |
| 5 | Review the written contract for required Rhode Island disclosures, fee terms, and cancellation rights. |
| 6 | Choose an adjuster experienced in commercial, hospitality, healthcare, 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 Rhode Island commercial property owners by:
- Verifying adjuster licensing and statutory compliance under Rhode Island law.
- Connecting owners with adjusters experienced in coastal, storm-related, 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 Rhode Island, 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 Rhode Island?
Contact Continental Adjusters LLC today — we are here to help you get the settlement you deserve.
