Washington, DC Information

A public adjuster is a licensed insurance claims professional who represents the policyholder, not the insurance company. For Washington, DC commercial property owners, a public adjuster can help document property damage, interpret complex commercial insurance policies, calculate business-interruption losses, and negotiate a settlement that reflects the full scope of damage caused by fire, water intrusion, wind, or other covered events.

Continental Adjusters LLC


info@coadj.com


214-373-6600

Washington, DC–Specific Rules & Consumer Protections

1. Licensing Requirement
  • Washington, DC requires public adjusters to be licensed under the District of Columbia Insurance Code and regulated by the District of Columbia Department of Insurance, Securities and Banking (DISB).
    → DC DISB — Adjuster Licensing
2. Application & Qualification Standards

  • Applicants must meet statutory qualifications, submit an application through the District’s licensing system, pass required examinations, and comply with renewal requirements administered by DISB.
    → DC Insurance Licensing Information

3. Written Contract Requirements
  • Public adjuster contracts in Washington, DC must be in writing and include required disclosures, compensation terms, scope of services, and cancellation rights as established under District law.
    → DC Insurance Code — Public Adjusters
4. Standards of Conduct
  • District law requires public adjusters to act in good faith, avoid conflicts of interest, and provide transparent disclosures regarding compensation and claim-handling services.
    → DC Insurance Regulations — Adjuster Conduct
5. Recordkeeping Requirements
  • Public adjusters must maintain records of contracts, estimates, claim documentation, and communications for the period required under District insurance regulations.
    → DC DISB — Regulatory Oversight
6. License Verification

  • Commercial property owners can verify a public adjuster’s license status and authority using the District’s official license lookup system.
    → DC 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, flooding, water intrusion, or severe weather.
  • Your claim includes business interruption, loss of rental income, or extra operating expenses.
  • The insurer’s estimate appears incomplete or does not fully reflect documented losses.
  • Your property involves multi-tenant office buildings, mixed-use properties, hospitality, healthcare, retail, or specialized commercial assets requiring detailed valuation and documentation.

Resources for Washington, DC Commercial Property Owners

1. District of Columbia Department of Insurance, Securities and Banking (DISB)
  • Regulates public adjuster licensing, contracts, and professional conduct.
2. DC License Lookup
  • Verify license status and authority of any public adjuster.
3. District of Columbia Insurance Code
  • Legal framework governing public adjuster licensing, contract requirements, and conduct.

Quick Checklist for Washington, DC 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 DC’s official license lookup system.
5 Review the written contract for required DC disclosures, fee terms, and cancellation rights.
6 Choose an adjuster experienced in commercial, office, mixed-use, hospitality, 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 Washington, DC commercial property owners by:

  • Verifying adjuster licensing and statutory compliance under District law.
  • Connecting owners with adjusters experienced in large-loss and complex urban 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 Washington, DC, 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 Washington, DC?

Contact Continental Adjusters LLC today — we are here to help you get the settlement you deserve.

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