MT Public Adjuster case studies
MT Public Adjuster · Put your knowledge to work in context.
The Montana Public Adjuster License Exam is the licensing assessment a candidate must pass before acting as a public adjuster in Montana - that is, representing policyholders (rather than insurers) in negotiating, presenting, and settling first-party property claims. The credential is aimed at people who want to work directly for insureds: former company adjusters, contractors and restoration specialists moving into claims advocacy, and independent claims professionals building a Montana practice. The MT Public Adjuster case studies are 5 cases and about 2,118 words.
1Fire Total Loss and the Montana Valued Policy Law
A Montana homeowner's 1948 ranch house is destroyed by fire in February. The dwelling limit is 250,000; the policy has a 2,000 deductible, replacement cost on the dwelling, no extended replacement cost, and a standard mortgage clause naming First Mountain Bank.
464 words, about 2 min2Commercial Coinsurance and Business Income Proof
A Missoula restaurant suffers a broken supply-line leak over a weekend. The commercial property policy has a building limit of 500,000, an 80% coinsurance clause, replacement cost, a 10,000 deductible, and no agreed-value endorsement.
401 words, about 2 min3Late Hail Notice and a Request to Change the Storm Date
A Billings homeowner reports a hail claim on August 12 for a storm that occurred on April 3. The roof is 17 years old, and the insurer's inspection finds granule loss and bruising on the south slope but also pre-existing mechanical damage and worn shingles.
407 words, about 2 min4Public Adjuster Contract, Referral Fee, and Pressure Tactics
Two days after a windstorm tears off part of a Havre apartment building roof, a public adjuster knocks on the owner's door at 10:30 p.m. The owner is 78, has no heat on the second floor, and is worried about tenants.
436 words, about 2 min5Dog-Bite Liability Claim Outside the Public Adjuster License
A Bozeman homeowner calls a Montana-licensed public adjuster after his dog bites a delivery driver. The driver's attorney demands 95,000, claiming lost wages and a scar.
410 words, about 2 min