U.S. Virgin Islands Information
A public adjuster is a licensed insurance claims professional who represents the policyholder, not the insurance company. For U.S. Virgin Islands commercial property owners, a public adjuster can help document hurricane and wind damage, interpret commercial insurance policy language, calculate business-interruption losses, and negotiate a settlement that reflects the full scope of damage caused by hurricanes, tropical storms, flooding, wind, and water intrusion.
Continental Adjusters LLC
info@coadj.com
214-373-6600
U.S. Virgin Islands–Specific Rules & Consumer Protections
1. Licensing Requirement
- Public adjusters operating in the U.S. Virgin Islands must be licensed under Virgin Islands insurance law and regulated by the Office of the Lieutenant Governor of the U.S. Virgin Islands – Division of Banking, Insurance and Financial Regulation.
→ USVI Division of Banking, Insurance & Financial Regulation — Insurance Oversight
2. Application & Qualification Standards
- Applicants must meet statutory qualifications, submit licensing documentation, and comply with registration, renewal, and regulatory requirements administered by the Division.
→ USVI Insurance Licensing Information
3. Written Contract Requirements
- Public adjuster contracts in the U.S. Virgin Islands must be in writing and include compensation terms, scope of services, and disclosures required under Virgin Islands insurance law.
→ Virgin Islands Code — Insurance Title (Title 22)
4. Standards of Conduct
- Virgin Islands insurance law requires public adjusters to act in good faith, avoid conflicts of interest, and maintain transparency regarding compensation and claim-handling services.
→ Virgin Islands Insurance Statutory Framework
5. Recordkeeping Requirements
- Public adjusters must maintain records of contracts, estimates, claim documentation, and communications for the period required under Virgin Islands insurance regulations.
→ Office of the Lieutenant Governor — Regulatory Oversight
6. License Verification
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Commercial property owners may verify a public adjuster’s licensing status or authority through the Office of the Lieutenant Governor’s insurance division.
→ USVI Insurance Division Contact & Verification Resources
When to Consider Hiring a Public Adjuster
A public adjuster may be helpful if:
- Your commercial property has suffered significant damage from hurricanes, tropical storms, wind, flooding, or water intrusion.
- Your claim includes business interruption, loss of rental income, port disruption impacts, or extra operating expenses.
- The insurer’s estimate appears incomplete or undervalues documented storm-related losses.
- Your property involves hotels, resorts, marinas, multi-tenant commercial buildings, industrial facilities, or specialized equipment requiring detailed valuation and documentation.
Resources for U.S. Virgin Islands Commercial Property Owners
1. Office of the Lieutenant Governor – Division of Banking, Insurance & Financial Regulation
- Regulates public adjuster licensing, contracts, and professional conduct.
2. Virgin Islands Code, Title 22 (Insurance)
- Legal framework governing public adjuster authority, contract requirements, and conduct.
3. USVI Insurance Regulatory Resources
- Official guidance for insurance licensing and oversight.
Quick Checklist for U.S. Virgin Islands Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document hurricane, wind, flood, and water damage with photos, inventories, invoices, and financial records. |
| 2 | Delay permanent repairs until insurer inspection when possible; retain records of emergency mitigation. |
| 3 | Maintain a detailed log of all communications with insurers and claims professionals. |
| 4 | Confirm the adjuster’s authorization or licensing through the Office of the Lieutenant Governor. |
| 5 | Review the written contract for required Virgin Islands disclosures and compensation terms. |
| 6 | Select an adjuster experienced in hurricane, coastal, hospitality, marina, and business-interruption claims. |
| 7 | Request itemized estimates and documentation clearly supporting storm-related losses. |
Why Partner with Continental Adjusters?
Continental Adjusters supports U.S. Virgin Islands commercial property owners by:
- Verifying adjuster authorization and regulatory compliance under Virgin Islands law.
- Connecting owners with adjusters experienced in hurricane, windstorm, 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 the U.S. Virgin Islands, 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 U.S. Virgin Islands?
Contact Continental Adjusters LLC today — we are here to help you get the settlement you deserve.
