ID Public Adjuster case studies
ID Public Adjuster · Put your knowledge to work in context.
The Idaho Public Adjuster License is a state credential administered through the Idaho Department of Insurance (DOI). A public adjuster represents the policyholder-not the insurer-when a property or casualty claim is prepared, presented, and negotiated. Candidates typically include claims professionals, contractors, and independent advocates who want to work directly for insureds on Idaho losses. The DOI regulates licensing, continuing education, testing, and fingerprints, and its website links to Insurance Laws (Title 41), Administrative Rules, bulletins, and legal orders as the governing materials. The ID Public Adjuster case studies are 5 cases and about 2,296 words.
1Inactive License and a Fire Claim Contract
Renee is a public adjuster licensed in Idaho since 2021. Her two-year continuing-education period ended December 31, and she completed only 12 of the required 24 hours; three of those hours were ethics.
472 words, about 2 min2Coinsurance, Deductible, and Replacement Cost Holdback
North Fork Mill owns a commercial building with a replacement cost of 2,000,000. Its property policy has a building limit of 1,200,000, an 80% coinsurance clause, a 10,000 deductible, and replacement-cost valuation.
458 words, about 2 min3Burst Pipe, Mold Sublimit, and Mitigation
A homeowner's HO-3 policy covers the dwelling for 450,000 with a 2,000 all-perils deductible and a 10,000 sublimit for mold. A supply line to an upstairs toilet bursts while the family is away for a weekend.
449 words, about 2 min4Fire-Scene Solicitation, Fee on Undisputed Funds, and Settlement Authority
At 11 p.m., a public adjuster arrives at the scene of a 12-unit apartment fire while firefighters are still working. The owner is a 74-year-old widow who speaks limited English.
449 words, about 2 min5Delayed Business-Income Claim, EUO, and Appraisal
A restaurant suffers a kitchen fire. The policy has a 1,000,000 building limit, 300,000 business personal property, 250,000 business-income and extra-expense coverage with a 72-hour waiting period, and a 5,000 deductible.
468 words, about 2 min