NE Public Adjuster case studies
NE Public Adjuster · Put your knowledge to work in context.
The Nebraska Public Adjuster License is a state credential administered through the Nebraska Department of Insurance (DOI) that allows a licensed individual to represent policyholders - rather than insurers - in negotiating, presenting, and settling first-party property claims. It is aimed at professionals who want to work on the policyholder side of claims: former staff adjusters, independent adjusters seeking to broaden their practice, contractors and restoration specialists who regularly encounter covered losses, and claims consultants building a client-facing practice. The NE Public Adjuster case studies are 5 cases and about 2,520 words.
1Unlicensed Claim Consultant in Kearney
Dana is a retired roofing contractor in Kearney, Nebraska. She advertises insurance claim consulting on social media and charges homeowners 12% of any increase she obtains over the insurer's initial offer.
421 words, about 2 min2Driveway Contract With Assignment and No Rescission Notice
A homeowner in Omaha signs a public adjuster contract in her driveway two days after a windstorm. The adjuster's tablet shows an 18% contingency fee, a 750 administrative fee due at signing, an assignment of all insurance proceeds to the adjuster, and a power of attorney to endorse checks.
541 words, about 3 min3Coinsurance, Code Upgrades, and Business Income at a Grain Elevator
A Nebraska grain elevator has a commercial property policy with a 900,000 blanket building limit, an 80% coinsurance clause, replacement cost coverage, a 10,000 deductible, and a business income limit of 500,000 with a 72-hour waiting period. The building's replacement cost is 1,500,000; actual cash value is 900,000.
509 words, about 3 min4Water Loss Bid With Matching, Mold, and Unsupported Overhead
A landlord in Lincoln reports a burst supply line in a duplex. The insurer's adjuster scopes 22,000 for drywall, flooring, cabinets, and paint, using 3-foot flood cuts and replacing only the affected laminate in the kitchen.
538 words, about 3 min5Referral Fees, Commingled Funds, and Padded Contents
A public adjuster in Omaha signs a homeowner after a kitchen fire. The contract gives the adjuster 15% of the gross settlement.
511 words, about 3 min