ID Public Adjuster cheat sheet

The Idaho Department of Insurance (DOI) regulates adjusters; the Director is appointed by the Governor, and the Department enforces the Idaho Insurance Code, Title 41.

Idaho issues a public adjuster license; applicants must be at least 18, complete prelicensing education as required by rule, pass the public adjuster exam, and submit fingerprints for a criminal background check.

Idaho public adjuster licenses must be renewed every two years; renewal requires continuing education, and lapses trigger late fees or reapplication depending on how long the license stayed expired.

A public adjuster may not pay or share compensation with an unlicensed person for soliciting, negotiating, or selling adjusting services; splitting fees with a non-licensee is prohibited.

Idaho requires adjusters to be appointed by or contracted with the insured rather than the insurer; a public adjuster represents the insured, while a company or independent adjuster represents the insurer.

Continuing education for Idaho adjusters covers ethics and insurance law among required hours; licensees must keep completion records and report them through the Department's approved system.

Idaho prohibits acting as a public adjuster without a valid license and allows the Director to fine, suspend, or revoke a license for misrepresentation, fraud, or untrustworthy conduct.

Nonresident public adjusters may obtain an Idaho nonresident license, typically through reciprocity or by meeting Idaho's exam and background requirements if no reciprocal agreement applies.

Insurable interest requires the insured to suffer financial loss from the peril; it must exist at policy inception for property coverage and at the time of loss for life coverage.

Indemnity restores the insured to approximately the pre-loss financial position; actual cash value (replacement cost minus depreciation) enforces indemnity, while replacement cost coverage may exceed it.

Utmost good faith obligates both parties to disclose material facts; concealment, misrepresentation, or warranty breach can void coverage or reduce a claim.

A deductible is the amount the insured bears before the insurer pays; a coinsurance clause requires the insured to carry insurance equal to a stated percentage of value or face a reduced claim payment.

The coinsurance formula: (amount carried / amount required) x loss = payment, capped at the policy limit; the required amount is the coinsurance percentage times the property value.

An occurrence is an accident including continuous or repeated exposure to substantially the same harmful conditions; a claims-made policy responds to claims reported during the policy period.

Subrogation lets the insurer pursue the responsible third party after paying a claim; the insured must not impair that right and may not recover twice for the same loss.

Declarations identify the insured, property, limits, and deductible; the insuring agreement states the insurer's promise; conditions set duties; exclusions remove coverage.

A homeowners HO-3 policy covers the dwelling on an open-peril basis and personal property on a named-peril basis; HO-5 covers both on an open-peril basis.

Replacement cost coverage pays to repair or replace without depreciation, typically after the insured repairs or replaces the damaged property; actual cash value pays depreciation up front.

Business income coverage replaces lost net income and continuing expenses during the period of restoration, usually after a waiting period of 72 hours for most perils.

Flood damage is generally excluded from homeowners and commercial property policies; NFIP or private flood coverage must be purchased separately, and water backup has its own endorsement.

A claim file should document the date of loss, cause of loss, policy limits, deductible, damage measurements, photographs, and the insured's inventory; adjusters must avoid altering evidence.

Liability coverage pays damages the insured is legally obligated to pay because of bodily injury or property damage; the duty to defend is broader than the duty to indemnify.

Workers' compensation covers employee injuries arising out of and in the course of employment; it is no-fault and generally bars employee tort suits against the employer.

Proof of loss is a sworn statement of the amount claimed; insurers may require it, and Idaho law sets timeframes for claim acknowledgment, investigation, and payment decisions.

A public adjuster contract must be in writing, signed by the insured, and disclose the fee or commission percentage; the fee is typically a percentage of the settled claim amount.

Idaho limits or prohibits public adjuster compensation on certain claims, and a public adjuster may not charge a fee on the undisputed amount already offered by the insurer in some circumstances.

The insured has the right to cancel a public adjuster contract within a stated period after signing; the adjuster must disclose this right in writing.

Public adjusters may not advance money to an insured to influence a settlement, may not act as a contractor on the same loss, and may not acquire an interest in the insured's claim.

Ethical duties include honesty, confidentiality of the insured's information, prompt communication, and accurate representation of policy provisions and claim values.

Idaho's unfair claim settlement practices rules prohibit misrepresenting policy provisions, failing to investigate promptly, and offering substantially less than the claim is worth without a reasonable basis.

Solicitation rules restrict door-to-door canvassing during a declared disaster or emergency; adjusters must not misrepresent themselves as insurer representatives or government officials.

Records of each claim, including contracts, correspondence, estimates, and settlement documents, must be retained and produced to the Department on request during an examination.

Idaho public adjuster applicants must pass the state exam; the license is issued by the Idaho Department of Insurance and is not an official endorsement by the state of competence beyond licensing.

Fingerprint-based background checks are submitted through the Department's vendor; disqualifying convictions may bar licensure under Idaho Insurance Code provisions.

License renewal occurs every two years; continuing education hours must be completed before expiration, and noncompliance can result in license suspension or a fine.

An adjuster must notify the Department of a change of address, name, or contact information within the timeframe set by rule.

Acting as a public adjuster while unlicensed is a violation subject to civil penalties and possible criminal referral under Idaho law.

The policy limit caps the insurer's total payment; separate limits may apply to dwelling, personal property, loss of use, and liability.

A named-peril policy pays only for listed causes of loss; an open-peril (all-risk) policy pays for all risks except those excluded.

Negligence of the insured does not necessarily bar coverage for accidental loss, but intentional acts and fraud are excluded.

Vacancy and unoccupancy conditions can reduce or void coverage if the dwelling is left vacant beyond the stated number of days.

Mortgagee clauses protect the lender's interest and require notice to the lender of cancellation or nonrenewal.

Idaho's unfair claims practices rule requires acknowledgment of claim communications within a reasonable time, typically 10 working days, and a decision within a reasonable period after proof of loss.

Depreciation is calculated from the property's age, condition, and useful life; recoverable depreciation is released after repair or replacement is documented.

Matching of undamaged materials may be required when repair cannot reasonably restore a uniform appearance; policy language and Idaho guidance control the outcome.

Additional living expenses cover increased costs to maintain a normal standard of living while the dwelling is uninhabitable, usually for a stated time limit.

Salvage and subrogation recoveries reduce the insurer's net loss but do not reduce the insured's right to full indemnity for covered damage.

A public adjuster must provide the insured a copy of the signed contract and any subsequent amendments; the insured may rescind within the statutory period.

Adjusters may not misrepresent the scope of coverage, the value of a claim, or the time needed to settle in order to induce a contract.

Idaho prohibits unfair discrimination and rebating; compensation must not be tied to steering an insured to a particular contractor or vendor.

Commingling claim settlement funds with the adjuster's own funds is prohibited; settlement drafts should be handled according to the contract and applicable trust rules.

Complaints against a public adjuster may be filed with the Idaho Department of Insurance, which can investigate and impose discipline including fines and revocation.

The Director of the Idaho Department of Insurance may examine licensees, issue cease-and-desist orders, and impose civil penalties for Insurance Code violations.

Idaho participates in the NAIC producer licensing model; adjusters may use NIPR for applications, renewals, and license lookups.

License status can be checked through the Department's online licensee search; consumers should verify a public adjuster's license before signing a contract.

Hearings and appeals of Department actions follow the Idaho Administrative Procedure Act, with notice and an opportunity to be heard.

Fraudulent claims activity may be referred to the Idaho Attorney General or the Insurance Fraud Unit for criminal prosecution.

The duty to defend applies when allegations in a complaint could fall within coverage, even if the suit is groundless or false.

Conditions precedent include prompt notice, cooperation, and submission of proof of loss; failure can prejudice coverage if the insurer is substantially harmed.

An appraisal clause allows either party to demand an appraisal when the amount of loss is disputed; each party selects an appraiser, who may choose an umpire.

Cancellation and nonrenewal rules require written notice within statutory periods; midterm cancellation is limited to specific grounds such as nonpayment.

A coinsurance penalty does not apply to liability coverage; it applies to property coverage where the insured underinsures relative to the required value.

Commercial general liability (CGL) covers bodily injury and property damage on an occurrence basis, with products-completed operations and personal injury endorsements available.

Commercial property policies often include a coinsurance clause and may offer agreed value or blanket coverage to avoid penalties.

Builders risk covers structures under construction; coverage typically ends when construction is complete or the policy period expires.

Inland marine covers property in transit or at remote locations, filling gaps left by commercial property policies.

Umbrella and excess policies respond after underlying limits are exhausted and may drop down for certain uncovered claims.

The contract must state the fee as a percentage of the insurance settlement and identify the claim and property covered.

A public adjuster may not charge a fee for services performed before the contract is signed unless disclosed and permitted by law.

The insured may terminate the contract; compensation for work already performed is governed by the contract and Idaho law.

Public adjusters must not settle a claim on behalf of the insured without written authorization.

Fee disputes may be resolved through Department complaint processes or civil action; the adjuster must keep accurate time and expense records.

Continuing education must include ethics hours; courses must be approved by the Department or an approved provider.

Licensees must self-report CE completion and retain certificates for audit; failure to report can delay renewal.

A licensee who changes employment or affiliation must update the Department record promptly.

Idaho may impose fines for late renewal and may require reexamination after a prolonged lapse.

Public adjusters must comply with Idaho's unfair trade practices statutes, including prohibitions on misrepresentation and false advertising.

Risk transfer shifts financial consequences of loss to the insurer in exchange for premium; risk retention is the portion the insured keeps through deductibles and limits.

The law of large numbers allows insurers to predict losses across a pool; premiums reflect expected losses, expenses, and profit.

Moral hazard is the increased likelihood of loss due to insured behavior; morale hazard is carelessness; both influence underwriting and exclusions.

Adhesion contracts are drafted by the insurer; ambiguities are generally construed against the drafter, and reasonable expectations may apply.

A binder provides temporary evidence of coverage before the policy is issued; it is subject to the same terms as the policy.

Replacement cost is the cost to repair or replace with new materials of like kind and quality without deduction for depreciation.

Actual cash value is commonly replacement cost minus depreciation; some policies use fair market value or a valued policy approach.

Depreciation schedules vary by material and condition; adjusters should document age, condition, and useful life.

Photographs, measurements, and itemized inventories support the claim and reduce disputes over scope and value.

Overhead and profit may be included when the repair requires a general contractor to coordinate multiple trades.

Adjusters may not use coercive or deceptive tactics to obtain a contract, including false urgency or misstated deadlines.

Adjusters may not represent that they are affiliated with the insurer, the government, or a disaster relief agency.

Idaho prohibits charging fees on claims where no recovery is obtained unless the contract expressly provides otherwise and law permits.

Adjusters must safeguard personal information and comply with privacy requirements when sharing claim data.

Violations can result in license suspension, revocation, restitution, and civil penalties; consumers may also pursue private remedies.

The Idaho public adjuster exam covers insurance principles, property and casualty coverage, claims, and Idaho statutes and rules.

Prelicensing education hours are set by rule; applicants must complete approved courses before sitting for the exam.

Exam results are valid for a limited period; applicants must apply for the license within that window.

Applicants must disclose criminal history and provide fingerprints; the Department reviews results before issuing a license.

The license is issued in the individual's name and is not transferable to another person or entity.

Endorsements modify the base policy; they control over conflicting policy language and must be attached and referenced.

Waiver is the voluntary relinquishment of a known right; estoppel prevents a party from asserting a right after inducing reliance.

The insured's duties after loss include notice, protection of property from further damage, cooperation, and submission of records.

The appraisal and arbitration provisions are distinct: appraisal resolves amount of loss, arbitration resolves disputes under the agreement.

Liberalization clauses apply broader coverage added by later policy revisions to the current policy period.

Liability investigation establishes duty, breach, causation, and damages; comparative fault in Idaho may reduce recovery proportionally.

Idaho follows modified comparative fault, generally barring recovery when the claimant's fault exceeds the defendant's, subject to statute.

Reserves are estimates of ultimate claim cost; they are internal and should not be represented to the insured as a settlement offer.

Third-party claimants are owed good-faith handling; bad-faith exposure can arise from unreasonable delay or denial.

Medical payments coverage pays reasonable medical expenses regardless of fault, up to the stated limit.

A public adjuster may not represent both the insured and the insurer on the same claim.

Adjusters must disclose any financial interest in a repair vendor or contractor and avoid conflicts of interest.

Confidential information obtained from the insured may not be used for personal gain or shared without consent.

Adjusters must maintain professional competence and not accept claims outside their expertise without appropriate support.

Advertising must be truthful and not misleading; use of titles implying official authority is prohibited.

Idaho Code Title 41 governs insurance; Department rules are published in the Idaho Administrative Procedures Act (IDAPA) Title 18.

The Department's website publishes bulletins, licensing guides, and fee schedules that supplement statutes.

Statutory timeframes for claim acknowledgment and payment are enforced through the unfair claims practices rule.

Licensees must respond to Department inquiries and examinations within the time specified in the request.

Continuing education audits may require submission of certificates and course descriptions.

Courts interpret policy language by its plain meaning; technical terms may be defined in the policy.

Exclusions are read narrowly, and coverage grants are read broadly where ambiguity exists.

The reasonable expectations doctrine may protect an insured's objectively reasonable expectations of coverage.

Concurrent causation clauses address losses caused by both covered and excluded perils; anti-concurrent causation language can bar coverage.

Notice-prejudice rules may require the insurer to show substantial prejudice before denying coverage for late notice.

After a declared catastrophe, Idaho may impose emergency rules on solicitation and claims handling.

Adjusters should document pre-existing damage and distinguish storm damage from wear and tear.

Matching and ordinance-or-law coverage may increase repair costs when codes require upgrades.

Debris removal, temporary repairs, and tree removal are often subject to separate sublimits.

Claim diaries and timelines help demonstrate compliance with prompt-handling requirements.

Negotiations must be based on documented damage and policy terms, not on misrepresentation of the insurer's obligations.

The adjuster must present the insured's claim accurately and may not inflate estimates to increase fees.

Settlement offers should be communicated in writing with a clear explanation of the basis and any deductions.

The insured retains the right to accept or reject a settlement; the adjuster may not bind the insured without authority.

Records of communications should be retained to support the fairness of the process.

Grounds for discipline include fraud, misrepresentation, incompetence, and failure to comply with continuing education.

The Department may issue a citation and fine in lieu of formal proceedings for minor violations.

Licensees may request a hearing to contest a proposed action; the Director issues a final order subject to judicial review.

Public adjusters must maintain a surety bond or proof of financial responsibility if required by rule.

Failure to cooperate with an investigation can itself be a violation.

A percentage deductible is calculated as a percentage of the dwelling limit, common in wind and hail policies.

Separate wind/hail deductibles may apply and are often higher than the all-other-perils deductible.

Policy limits may be increased by endorsement; inflation guard endorsements adjust limits automatically.

Agreed value coverage suspends the coinsurance requirement when the insured accepts the stated value.

Blanket coverage applies a single limit across multiple locations or items.

The proof of loss should state the time, cause, and amount of loss and be signed and sworn by the insured.

Supporting documents include receipts, contracts, estimates, photographs, and inventory lists.

The insurer may request examination under oath; the insured must comply as a condition of coverage.

Payment is due within the statutory period after agreement or appraisal award, subject to policy terms.

Interest may accrue on overdue payments under Idaho law.

The insured has the right to be informed of the adjuster's role and that the adjuster represents the insured, not the insurer.

The insured must receive a copy of the contract and a written disclosure of fees and cancellation rights.

Consumers may contact the Idaho Department of Insurance to verify licensure and file complaints.

The adjuster must provide updates on claim status at reasonable intervals.

The insured may seek independent estimates or legal advice at any time.

Step 1: complete approved prelicensing education; Step 2: pass the exam; Step 3: submit fingerprints and application; Step 4: receive license.

Fees are set by the Department and must accompany the application; incomplete applications are returned.

Nonresident applicants may qualify through reciprocity or must meet Idaho requirements.

Licenses are public records and searchable online.

Renewal notices are sent before expiration; the licensee is responsible for timely renewal regardless of notice.

Underwriting evaluates risk acceptability and pricing based on loss history, construction, occupancy, and protection class.

Protection class reflects fire department quality and distance to water; it affects property rates.

Loss runs document prior claims and are used in underwriting and renewal decisions.

Risk control measures such as alarms and sprinklers reduce premiums and may be required.

Reinsurance protects the insurer against catastrophic losses and does not change the insured's coverage.

Basic form perils include fire, lightning, explosion, windstorm, hail, smoke, and vandalism.

Broad form adds perils such as falling objects, weight of ice and snow, and accidental discharge of water.

Special form covers all risks except exclusions and is common for commercial property.

Ordinance or law coverage pays for upgrades required by building codes after a covered loss.

Equipment breakdown coverage addresses mechanical and electrical failures often excluded by property policies.

Maintain a separate file for each insured with contracts, correspondence, estimates, and settlement documents.

Trust or escrow accounts must be reconciled and not commingled with business funds.

Report suspected fraud to the insurer and the Department as required.

Retain records for the period specified by rule and make them available for examination.

Provide the insured with a written accounting of fees and expenses on request.

Consumers may file a complaint online or in writing with the Department's consumer services division.

The Department may mediate or investigate and can take disciplinary action against the licensee.

Complaints should include the policy number, claim number, dates, and copies of correspondence.

Licensees must respond to Department inquiries about complaints within the stated deadline.

Retaliation against a complainant is prohibited.

Premium is the consideration paid for coverage; it is not refundable after the policy period begins unless unearned.

A rider or endorsement changes coverage; a floater covers movable property.

A peril is the cause of loss; a hazard increases the chance of loss; a risk is the chance of loss.

Proximate cause is the dominant cause of loss; it determines coverage when multiple causes exist.

A warranty is a policy condition that must be met; a representation is a statement of fact made during underwriting.

Evaluate coverage, liability, and damages in that order before discussing settlement amounts.

Use consistent estimating platforms and document line items for labor, materials, and overhead.

Consider salvage value and depreciation recovery when calculating the final payment.

Communicate settlement terms in writing and obtain the insured's signature on releases.

Close the file with a summary of payments, recoveries, and outstanding issues.

Identify the stakeholders, the applicable law, and the policy terms before acting.

Disclose conflicts and seek guidance from the Department or counsel when uncertain.

Document the rationale for decisions to demonstrate good faith.

Avoid promises of specific outcomes or amounts that cannot be supported.

Treat the insured with fairness, honesty, and respect throughout the process.

Certain persons may be exempt from licensing, such as attorneys acting in a professional capacity or salaried employees of an insurer adjusting claims for their employer.

Exemptions are narrow and do not permit unlicensed public adjusting for compensation.

A person who adjusts claims for the public for a fee must hold a public adjuster license.

The Department determines exemption eligibility on a case-by-case basis.

Misrepresenting an exemption is a violation.

The insured may cancel at any time; unearned premium is refunded on a pro rata basis.

The insurer may cancel for nonpayment with shorter notice than for other reasons.

Nonrenewal requires written notice within the statutory period before expiration.

Cancellation for underwriting reasons may require a longer notice period.

Mortgagees and loss payees must receive notice of cancellation or nonrenewal.

Investigate promptly, obtain statements, and preserve evidence.

Evaluate comparative fault and contributory negligence under Idaho law.

Set reserves based on exposure and update them as facts develop.

Communicate with claimants in good faith and avoid unreasonable delay.

Document all contacts and decisions in the claim file.

Advertisements must include the adjuster's license number where required.

Solicitation during a declared disaster may be restricted to protect consumers.

Marketing may not imply endorsement by the Department or government.

Testimonials must be truthful and not misleading.

Unsolicited contact must comply with Idaho consumer protection laws.

The Idaho Department of Insurance website provides licensing, CE, and consumer complaint resources.

The Department publishes a licensing guide and fee schedule.

Licensees can update information and renew online through the Department's portal.

The Department issues bulletins that clarify statutory requirements.

Consumers can verify licenses and check disciplinary history online.

ALE pays increased costs of temporary housing and meals while the home is uninhabitable.

ALE is subject to a time limit and a percentage of the dwelling limit.

Receipts are required to substantiate expenses.

ALE does not cover expenses the insured would have incurred anyway.

Fair rental value coverage applies when the insured rents out the damaged property.

Business income coverage pays lost profits and continuing expenses during restoration.

Extra expense pays costs to avoid or minimize business interruption.

A waiting period, often 72 hours, may apply before coverage begins.

Period of restoration ends when the property could reasonably be repaired.

Civil authority coverage may apply when access is prohibited by government order.

The insured may dispute a settlement through appraisal, mediation, or litigation.

The Department complaint process is separate from civil remedies.

Adjusters should cooperate with appraisal and provide documentation.

Settlement releases should be explained clearly before signing.

Legal advice should be recommended when the dispute involves coverage interpretation.

CE courses must be approved by the Department or an approved provider.

Course providers must meet content and instructor requirements.

Licensees should verify course approval before enrolling.

Duplicate or unapproved courses do not count toward CE.

Records of completion must be retained for audit.

Common exclusions include intentional acts, neglect, wear and tear, and earth movement.

Ordinance or law exclusions may bar code upgrade costs unless endorsed.

Water damage exclusions may distinguish between sudden discharge and repeated leakage.

Mold exclusions often have limited coverage with sublimits.

Business pursuits exclusions limit homeowners coverage for home-based businesses.

Measure and diagram affected areas to support scope and cost.

Use moisture readings and photographs to document hidden damage.

Distinguish covered damage from pre-existing conditions.

Obtain contractor estimates and compare line items.

Consider code upgrades and permit requirements.

Disclose any relationship with contractors, vendors, or insurers.

Do not accept referral fees from vendors without disclosure and legal authority.

Avoid representing family members or business associates without disclosure.

Document disclosures in the claim file.

Withdraw from a claim if a conflict cannot be managed.

Report administrative actions taken by other states within the required timeframe.

Report criminal convictions that affect licensure.

Report changes in business name or entity structure.

Failure to report can result in discipline.

Reports must be made in writing to the Department.

Rates must be adequate, not excessive, and not unfairly discriminatory.

The Department reviews rate filings for compliance.

Rating factors may include location, construction, and claims history.

Discounts must be filed and applied consistently.

Unfair discrimination in rating is prohibited.

Payment is due within the statutory period after agreement or appraisal.

Interest may accrue on overdue payments.

Partial payments should be documented and credited.

Payment should be made to the insured and lienholder as their interests appear.

Obtain releases for final payments.

Protect personal information from unauthorized access.

Use secure methods to transmit claim documents.

Limit access to claim files to authorized personnel.

Notify affected parties of a data breach as required by law.

Dispose of records securely.

Civil penalties may be imposed per violation.

The Department may issue cease-and-desist orders.

License revocation may follow repeated violations.

Restitution may be ordered for consumer harm.

Criminal referral may occur for fraud.

Renewal terms may change with notice.

Premium audits adjust premium based on actual exposure.

Audit disputes should be documented.

Nonrenewal requires statutory notice.

Renewal does not waive past breaches known to the insurer.

Flood coverage is typically separate through NFIP or private insurers.

Earthquake coverage requires a separate endorsement or policy.

Deductibles for these perils are often percentage-based.

Proof of loss requirements are strict.

Documentation should include water marks and structural damage.

Errors and omissions coverage protects adjusters from malpractice claims.

Maintain accurate records to defend against claims.

Notify your E&O carrier of potential claims.

Avoid giving legal advice.

Refer coverage disputes to counsel when appropriate.

Business entities providing adjusting services must be licensed if required by rule.

The entity must designate a licensed individual responsible for compliance.

Entity licenses must be renewed and updated.

Unlicensed entities may not solicit adjusting business.

Violations by an entity may affect individual licenses.

Fraud includes intentional misrepresentation of facts material to coverage.

Innocent misrepresentation may not void coverage unless material.

Concealment of material facts can void the policy.

Adjusters must report suspected fraud.

Fraud can result in criminal prosecution and license discipline.

Acknowledge claim communications promptly.

Provide status updates at reasonable intervals.

Explain coverage decisions in writing.

Respond to Department inquiries within deadlines.

Document all communications.

Investigate thoroughly before denying a claim.

Base offers on documented damage and policy terms.

Do not delay payment without reasonable basis.

Explain deductions and depreciation.

Provide written settlement breakdowns.

Nonresidents may apply through NIPR.

Reciprocity may waive exam requirements.

Fingerprints may still be required.

Nonresidents must comply with Idaho CE and reporting.

License status must remain active in the home state.

Unearned premium is refunded on a pro rata basis upon cancellation.

Short-rate cancellation may apply for insurer-initiated cancellation.

Premium finance arrangements may affect refunds.

Refunds should be processed promptly.

Document refund calculations.

Record date and time of each contact.

Include photographs and measurements.

Document coverage analysis and rationale.

Retain estimates and invoices.

Include settlement calculations and releases.

Explain the claims process and timelines.

Provide written estimates and settlement summaries.

Explain the insured's right to dispute.

Provide Department contact information.

Avoid technical jargon without explanation.

Verify license status through the Department's online search.

Check for disciplinary actions.

Confirm the license type and expiration date.

Report unlicensed activity to the Department.

Keep verification records.

"Occurrence" is defined in liability policies and may include continuous exposure.

"Property damage" includes physical injury to tangible property and loss of use.

"Bodily injury" includes sickness or disease sustained by a person.

"Insured" may include residents and family members.

"Personal property" excludes business property in some policies.

Denials must be in writing with reasons.

Cite policy provisions supporting the denial.

Explain appeal and dispute rights.

Retain denial documentation.

Cooperate with appraisal or mediation.

Negotiate in good faith.

Do not misrepresent facts or law.

Disclose material information.

Avoid pressure tactics.

Document negotiation history.

CE must be completed before renewal.

Audits may require certificates.

Late completion may result in fines.

Approved courses only.

Keep records for the audit period.

Required insurance = coinsurance percentage x property value.

Payment = (carried / required) x loss, capped at limit.

Underinsurance reduces payment.

Agreed value avoids coinsurance penalties.

Document valuation methods.

Measure all damaged areas.

Use consistent units.

Document materials and quantities.

Compare estimates.

Account for waste and overhead.

Respond promptly to complaints.

Provide requested documents.

Cooperate with Department investigations.

Document responses.

Remediate errors.

Complete CE.

Pay renewal fee.

Update contact information.

Report any changes.

Confirm active status.

Occurrence policies respond to injury during the policy period.

Claims-made policies respond to claims reported during the period.

Notice requirements must be met.

Tail coverage extends reporting.

Document trigger analysis.

Written settlement agreement.

Release signed by insured.

Payment records.

Lien resolution.

Final file summary.

Protect data.

Use approved estimating tools.

Verify accuracy of software outputs.

Avoid unauthorized access.

Document technology use.

Monitor Department bulletins.

Review statutory changes.

Update compliance procedures.

Train staff.

Document compliance efforts.

Read declarations and endorsements.

Identify exclusions.

Confirm limits and deductibles.

Note conditions.

Document coverage analysis.

Interview insured and witnesses.

Inspect damage.

Obtain records.

Analyze coverage.

Document findings.

Attend approved CE.

Stay current on law.

Participate in industry training.

Maintain records.

Apply ethical standards.

Application fee.

Renewal fee.

Late fee.

Fingerprint fee.

CE provider fees.

Report loss.

Investigate.

Evaluate coverage.

Estimate damages.

Settle and pay.

Policy documents.

Proof of loss.

Estimates.

Photographs.

Correspondence.

Unfair trade practices.

Claims practices rules.

Privacy laws.

Fraud reporting.

Complaint processes.

Investigation.

Notice.

Hearing.

Order.

Appeal.

Dwelling limit.

Personal property limit.

Liability limit.

Medical payments limit.

ALE limit.

Replacement cost.

Actual cash value.

Functional replacement cost.

Agreed value.

Market value.

Honesty.

Integrity.

Confidentiality.

Competence.

Fairness.

Age 18.

Exam.

Fingerprints.

Fees.

CE.

Indemnity.

Insurable interest.

Utmost good faith.

Subrogation.

Coinsurance.

Investigate.

Document.

Evaluate.

Communicate.

Settle.

Disclose conflicts.

Protect data.

Be truthful.

Follow law.

Document.

Insurance principles.

Property and casualty.

Claims.

Idaho law.

Ethics.

Declarations.

Insuring agreement.

Conditions.

Exclusions.

Endorsements.

Coverage.

Liability.

Damages.

Documentation.

Payment.

Disclosure.

Cancellation rights.

Complaints.

Privacy.

Fair dealing.