NM Public Adjuster case studies
NM Public Adjuster · Put your knowledge to work in context.
A New Mexico public adjuster license authorizes you to represent policyholders - not insurers - in negotiating and settling first-party property claims. You may prepare inventories, document damage, estimate repair costs, and negotiate with the insurer's adjuster for a fee paid by the insured. The NM Public Adjuster case studies are 5 cases and about 3,662 words.
1The Fire-Scene Contingency Agreement
on a Sunday, a public adjuster licensed in New Mexico arrives at a house fire in Albuquerque before the fire department has cleared the scene. The homeowner is standing on the lawn with her two children.
778 words, about 4 min2Matching Siding, Discontinued Product, and the Ordinance Limit
A 12-year-old single-family home in Las Cruces suffers hail damage to the south and west elevations. The insurer's field adjuster writes an estimate for 9 squares of vinyl siding, 4 window screens, and 2 downspouts, totaling 6,840 actual cash value.
771 words, about 4 min3The Restaurant Liability Demand and the 'All Claims' Contract
A public adjuster licensed in New Mexico signs a contract with the owner of a Santa Fe restaurant after a water loss. The contract's scope says 'all claims arising from the loss, including third-party claims.' Two weeks later, a customer who slipped on wet flooring during the cleanup sends a demand for 48,000 in medical bills and lost wages.
672 words, about 3 min4The Spouse-Owned Restoration Company and the Advance Payment
A public adjuster represents a homeowner in a 180,000 kitchen fire claim. The adjuster's spouse owns a restoration company that is on the insurer's preferred-vendor list.
736 words, about 4 min5The Missing Inventory Records, the Proof of Loss, and the Moved Equipment
A commercial building in Roswell is damaged by fire. The insured carries a 250,000 contents limit and a 1.2 million building limit with replacement cost.
705 words, about 4 min