MA Public Adjuster case studies
MA Public Adjuster · Put your knowledge to work in context.
The Massachusetts Public Adjuster License Exam is the state licensing assessment for people who want to represent policyholders - not insurers - in negotiating and documenting property and casualty claims in Massachusetts. Candidates typically include former insurance-company staff adjusters, independent adjusters moving to the policyholder side, contractors and restoration professionals, and career changers entering claims advocacy. The MA Public Adjuster case studies are 5 cases and about 3,607 words.
1Finished-Basement Pipe Break: Covered Water, Excluded Mold, and the Mitigation Gap
Your client owns a two-family in Worcester insured on an HO-3 with 500,000 dwelling coverage. While the owners are in Florida for four weeks, the washing-machine supply line bursts; a neighbor discovers six inches of standing water in the finished basement.
780 words, about 4 min2Door-to-Door Contract After a Kitchen Fire: License, Fee, and Cancellation
A public adjuster knocks on the door of a Springfield homeowner four hours after a kitchen fire. The adjuster’s card shows a name and cell number but no Massachusetts public adjuster license number.
756 words, about 4 min3Restaurant Fire: Inventory Proof, Business Income, and Fraud Red Flags
fire heavily damages the kitchen of a New Bedford restaurant. The owner reports 145,000 in food, liquor, and small-equipment inventory and 60,000 in business-interruption loss.
691 words, about 3 min4Roof Replacement: ACV, Recoverable Depreciation, and Matching
A Cape Cod homeowner files a wind claim after a nor'easter. The roof is 22-year-old three-tab asphalt, 28 squares total; the insurer agrees wind damaged 12 squares and writes an RCV estimate of 18,400 with 9,900 ACV and 8,500 depreciation.
691 words, about 3 min5Referral Fee and the Low Settlement Offer: Fiduciary Duty and Coercion
A public adjuster represents a homeowner with a 130,000 fire loss. The insurer offers 52,000, citing depreciation and alleged code-upgrade exclusions.
689 words, about 3 min