CO Public Adjuster case studies

CO Public Adjuster · Put your knowledge to work in context.

The Colorado Public Adjuster License Examination is the assessment a candidate takes to demonstrate the knowledge needed to work as a public adjuster in Colorado - a professional who, for compensation, represents a policyholder in preparing, presenting, and negotiating a first-party property or casualty claim. The credential is intended for people who intend to advocate for insureds rather than for insurers, so the exam blends regulatory knowledge with practical claims and valuation skill. The CO Public Adjuster case studies are 5 cases and about 2,513 words.

Three-Day Cancellation and the Nonrefundable Inspection Fee

On May 8 a hailstorm damaged Dana's roof in Jefferson County. On May 10, before Dana had contacted her insurer, a licensed public adjuster, Marcus, knocked on her door and had her sign a two-page contract.

535 words, about 3 min 2

The Roofer Referral and the Unlicensed Claim Helper

Lena is a Colorado-licensed public adjuster. She has a written contract with a homeowner on a 120,000 fire claim.

484 words, about 2 min 3

Coinsurance, Actual Cash Value, and the Bakery Pipe Break

A burst pipe closed a Boulder bakery for 20 days. The commercial property policy has a building limit of 720,000, an 80% coinsurance clause, a 10,000 deductible, and replacement cost coverage.

503 words, about 3 min 4

Wildfire Evacuation, ALE, and the Two-Party Check

A wildfire evacuation order forced Priya and her family out of their Grand Junction home for 45 days. Their homeowners policy has ALE coverage of 30,000 for up to 12 months and requires 'necessary increase in living expenses' incurred because the residence is uninhabitable.

518 words, about 3 min 5

The Lapsed Bond, Expired License, and the 'State Certified' Ad

On March 31, Omar's Colorado public adjuster license expired because he did not complete his required continuing education. His 20,000 surety bond had been canceled on February 1 for nonpayment; he did not tell the Division.

473 words, about 2 min