NJ Public Adjuster case studies
NJ Public Adjuster · Put your knowledge to work in context.
The New Jersey Public Adjuster License is a state credential for professionals who represent policyholders-rather than insurers-in preparing, presenting, and negotiating property and casualty claims. Candidates typically include independent adjusters, claims consultants, contractors moving into claims advocacy, and insurance staff seeking to work on the policyholder side. The NJ Public Adjuster case studies are 5 cases and about 3,460 words.
1Underinsured Dwelling, Proportional Settlement, and a Demand for a $200,000 Proof of Loss
Your client owns a 1962 split-level in Middletown. The HO-3 shows a 450,000 dwelling limit; your replacement-cost estimate for the dwelling is 600,000.
688 words, about 3 min2Restaurant Water Loss: Examination Under Oath, Sworn Proof of Loss, and a Lien-Threatening Mitigation Vendor
Your client operates a 60-seat BYOB restaurant in Neptune City. On February 2 a pipe in the second-floor apartment above the dining room burst; water ran for an estimated nine hours before the tenant called.
732 words, about 4 min3Unlicensed 'Marketing' Contractor, Defective Contracts, and a Vendor Compensation Clause
Marcus owns Garden State Claims, a licensed New Jersey public adjusting firm in Toms River. To grow volume he contracts with Dale, a retired roofing contractor with no adjuster license, and pays Dale 25% of every fee collected on claims Dale brings in.
695 words, about 3 min4Spousal Contractor Conflict, a Request to Blend an Unreported Prior Loss, and a Carrier Adjuster's Offer
Your firm is retained on a 310,000 hail claim for a 22-unit apartment building in Vineland. Your fee is 12% of the amount recovered.
675 words, about 3 min5Appraisal or Suit: A Twelve-Month Deadline, Coinsurance Risk, and a Carrier That Never Denied Coverage
On March 3, 2024, a three-alarm fire destroyed the production area of a precision machine shop in Paterson. The policy has a 1.5 million building limit on a replacement-cost basis with a coinsurance clause, 600,000 on equipment, and business income for a 12-month period of restoration.
670 words, about 3 min