IL Public Adjuster case studies
IL Public Adjuster · Put your knowledge to work in context.
The Illinois Public Adjuster Exam is the licensing assessment tied to the credential that lets a professional represent policyholders - rather than insurers - when a first-party property claim is prepared, presented, and negotiated. It is aimed at people who intend to work for policyholders on a fee or percentage basis after a fire, storm, water, or other property loss: former contractors, restoration specialists, insurance producers moving into claims advocacy, and independent claims consultants. The IL Public Adjuster case studies are 5 cases and about 3,006 words.
1The Roofing Contractor Who Wants to "Handle the Claim"
On June 12 a hailstorm damages roofs across a Rockford subdivision. Within 36 hours a roofer, Summit Exteriors, has homeowner Dana sign a one-page "Contingency and Authorization" naming Summit as her "exclusive claims representative," authorizing it to "negotiate, adjust and settle" her hail claim, and setting its fee at 15% of "all insurance proceeds." Summit's owner holds no adjuster license of any kind.
630 words, about 3 min2Owner, Adjuster, and Rebuilder: The Affiliated Restoration Company
Marcus is a licensed Illinois public adjuster who also owns 49% of a restoration and reconstruction company. A fire at a 12-unit apartment building produces a likely loss of about 480,000.
596 words, about 3 min3Coinsurance Math on a Sprinkler-Pipe Loss
Precision Tool & Die owns a machining building insured under a commercial property form with a 1,000,000 building limit, an 80% coinsurance clause, a 10,000 deductible, and replacement cost coverage. A sprinkler pipe failure damages roof decking, ceiling grid, and two CNC machines.
540 words, about 3 min4The Restaurant That Reopened Late on Purpose
A pipe bursts above the dining room of a 90-seat restaurant on January 8, closing it. The business income form has a 72-hour waiting period, a 250,000 business income limit, and a 50,000 extra expense limit.
563 words, about 3 min5The Occupancy Question and the Pool Table
A public adjuster is retained on a 310,000 dwelling fire claim. In his recorded statement the insured said the house was occupied at the time of the fire.
677 words, about 3 min