NH Public Adjuster case studies
NH Public Adjuster · Put your knowledge to work in context.
The New Hampshire Public Adjuster credential is a state-issued license for professionals who represent policyholders-not insurers-when negotiating property and casualty claims. Candidates typically enter from claims, restoration, construction estimating, or real estate backgrounds, and they need a working command of policy language, damage valuation, and the regulatory boundaries that separate public adjusting from company adjusting. The NH Public Adjuster case studies are 5 cases and about 3,090 words.
1Betterments, Insurable Interest, and Two Policies on One Fire Loss
A bakery leases 2,500 square feet in a mixed-use building. The lease says the tenant must insure and restore its 180,000 build-out, and that improvements become the landlord's property when installed.
628 words, about 3 min2Coinsurance Penalty on a Commercial Building
A mixed-use building has a commercial property policy with an 80% coinsurance clause, a 900,000 limit, and a 10,000 deductible. At policy inception the owner reported a replacement cost value of 1.5 million, but the building's market value is only about 900,000.
635 words, about 3 min3Storm-Chasing Contract and a Contractor Rebate
After a declared windstorm, a New Hampshire-licensed public adjuster meets a homeowner at 9:15 p.m. at her kitchen table.
617 words, about 3 min4Out-of-State Adjuster, Unlicensed Assistant, and Disaster Advertising
After a tornado, a public adjuster licensed only in Maine opens a temporary office and advertises: 'Maine license honored in New Hampshire - no NH license needed for storm claims.' He says he handles only first-party claims, which he believes are exempt from New Hampshire licensing. His unlicensed college student inspects roofs, tells homeowners what their policies 'should pay,' and collects signed representation agreements.
587 words, about 3 min5Matching Siding and the Replacement Cost Holdback
Hail damages vinyl siding on the front and one side of a colonial-style house. The siding is discontinued and no matching profile can be found.
623 words, about 3 min