LA Public Adjuster case studies
LA Public Adjuster · Put your knowledge to work in context.
The Louisiana Public Adjuster License Exam is the licensing assessment tied to the Louisiana Department of Insurance (LDI), the state agency that regulates insurance in Louisiana and publishes licensing information for producers and adjusters. A public adjuster works for the policyholder rather than the insurer, preparing, documenting, and negotiating first-party property claims. Candidates typically include claims professionals, contractors, and independent advocates moving into policyholder-side representation. The exam is expected to test five areas: Louisiana insurance law and regulations applicable to public adjusters; licensing, appointment, and regulatory requirements; property and casualty insurance principles and policy coverage; claims handling, investigation, and damage evaluation; and ethical practices, contract requirements, and prohibited conduct. The LA Public Adjuster case studies are 5 cases and about 2,586 words.
1Curbside Contract After a Named Storm
Thirty-six hours after a named hurricane makes landfall in Terrebonne Parish, a public adjuster licensed only in Texas knocks on Dana's door. The street is still under a boil-water advisory and the roof is covered with a blue tarp.
552 words, about 3 min2Wind, Water, and the Causation Question
A homeowners policy on a 300,000 dwelling in Lafourche Parish has a 5% hurricane deductible, replacement cost coverage, and a flood exclusion. Hurricane winds peel back shingles over the kitchen; rain enters and damages ceilings and cabinets.
542 words, about 3 min3The Contractor Connection
A Louisiana-licensed public adjuster, Marcus, owns 40% of a restoration company. After a kitchen fire at a restaurant, Marcus presents a single package: a public adjuster contract at 10% of the insurer's settlement, plus a restoration contract at 15% overhead and profit through his company.
531 words, about 3 min4Coinsurance and Business Income at the Bakery
A bakery fire causes 600,000 of replacement-cost damage to a building with a replacement cost of 2,000,000. The policy has a 1,200,000 building limit, an 80% coinsurance clause, and a 10,000 deductible.
475 words, about 2 min5The Property Manager's Signature
A public adjuster signs a 15% contract with the on-site property manager of a 12-unit commercial building. The owner lives in Texas and has not signed.
486 words, about 2 min