Wisconsin Information
A public adjuster is a licensed insurance claims professional who represents the policyholder, not the insurance company. For Wisconsin 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, wind, hail, flooding, freezing, or severe weather events.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Wisconsin-Specific Rules & Consumer Protections
1. Licensing Requirement
- Wisconsin requires public adjusters to be licensed under Wisconsin insurance law and regulated by the Wisconsin Office of the Commissioner of Insurance (OCI).
→ Wisconsin OCI — Adjuster Licensing
2. Application & Qualification Standards
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Applicants must meet statutory qualifications, submit an application through the state licensing system, pass required examinations, and comply with renewal standards administered by OCI.
→ Wisconsin Insurance Licensing Information
3. Written Contract Requirements
- Public adjuster contracts in Wisconsin must be in writing and include required disclosures, compensation terms, scope of services, and cancellation rights as established under state law.
→ Wisconsin Statutes — Insurance (Chapter 628)
4. Standards of Conduct
- Wisconsin law requires public adjusters to act in good faith, avoid conflicts of interest, and provide transparent disclosures regarding compensation and claim-handling services.
→ Wisconsin Insurance Statutory Framework — Chapter 628
5. Recordkeeping Requirements
- Public adjusters must maintain records of contracts, estimates, claim documentation, and communications for the period required under Wisconsin insurance regulations.
→ Wisconsin Office of the Commissioner of Insurance — Regulatory Oversight
6. License Verification
- Commercial property owners can verify a public adjuster’s license status and authority using Wisconsin’s official license lookup system.
→ Wisconsin License Lookup
When to Consider Hiring a Public Adjuster
A public adjuster may be helpful if:
- Your commercial property has sustained significant damage from wind, hail, flooding, fire, or frozen pipes.
- 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 manufacturing facilities, warehouses, hospitality operations, healthcare, multi-tenant buildings, or specialized equipment requiring detailed valuation and documentation.
Resources for Wisconsin Commercial Property Owners
1. Wisconsin Office of the Commissioner of Insurance (OCI)
- Regulates public adjuster licensing, contracts, and professional conduct.
2. Wisconsin License Lookup
- Verify license status and authority of any public adjuster.
3. Wisconsin Statutes, Chapter 628
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for Wisconsin 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 Wisconsin’s official license lookup system. |
| 5 | Review the written contract for required Wisconsin disclosures, fee terms, and cancellation rights. |
| 6 | Choose an adjuster experienced in commercial, industrial, 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 Wisconsin commercial property owners by:
- Verifying adjuster licensing and statutory compliance under Wisconsin law.
- Connecting owners with adjusters experienced in large-loss and complex 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 Wisconsin, 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 Wisconsin?
Contact Continental Adjusters LLC today — we are here to help you get the settlement you deserve.
