Contract Check
Before you sign with a public adjuster, hold the contract against your state's rules. Tick each line as you find it.
Worth checking in any state
These are not legal requirements everywhere. They are the points that cause the most arguments later.
What to do with the result
A missing line does not always mean the contract is bad. It means ask. Put the question to the adjuster in writing and keep the reply. If a term your state requires is missing and the adjuster will not add it, you can ask the state insurance department about it before you sign.
Next: how to choose a public adjuster, and check the licence.
Other free tools
Is my insurer taking too long?
See the deadlines your state sets for your insurer, and how many days have passed.
Check the clock Fee CalculatorIs a public adjuster worth the fee?
Work out how much a public adjuster would have to add before you come out ahead.
Run the numbers Do I need one?Do I need a public adjuster at all?
Six questions. An honest answer, including when the answer is no.
Take the quiz