PA Public Adjuster case studies
PA Public Adjuster · Put your knowledge to work in context.
The Pennsylvania public adjuster credential is issued by the Pennsylvania Insurance Department - the agency that, in its own words, "protects and assists consumers, licenses insurance professionals and companies, and regulates the insurance marketplace." A public adjuster works for the policyholder rather than the insurer, preparing, documenting, and negotiating a first-party property claim, so the licensing exam tests both general insurance fundamentals and the state-specific rules that govern that advocacy relationship. The controlling statute is Act 21 of 2012 – The Public Adjuster Law, which the Department lists among Pennsylvania's insurance laws, regulations, and notices. The PA Public Adjuster case studies are 5 cases and about 2,846 words.
1Coinsurance, ACV Holdback, and Business Income After a Restaurant Fire
Maria owns a 2,400 sq ft restaurant insured under a commercial property policy with a 900,000 building limit, 80% coinsurance, a 10,000 deductible, and replacement cost coverage. A kitchen fire on March 4 damages the roof structure, electrical panels, and dining room.
614 words, about 3 min2Unlicensed Storm Solicitor and a Defective Public Adjuster Contract
After a June hailstorm, Derek visits homeowners in a storm-damaged neighborhood and offers to handle their insurance paperwork for a 15% fee. His business card reads Storm Claim Consultants, his shirt carries a logo resembling a national insurer’s, and he tells 78-year-old Ruth that he is licensed by the state and that she must sign tonight or lose her claim.
576 words, about 3 min3Public Adjuster Ownership of a Mitigation Vendor and an Undisclosed Referral Fee
Daniel holds a public adjuster license and owns 60% of DryFast, a water-mitigation company. On a 280,000 commercial water loss at a dental office, Daniel’s public adjuster agreement sets a 10% contingency fee.
516 words, about 3 min4Sudden Pipe Failure, a Seepage Exclusion, and Mold Before Reinspection
A homeowners policy excludes constant or repeated seepage over a period of weeks, months, or years. On January 12, the insured reports water in a finished basement and mold on drywall.
556 words, about 3 min5Hail-Damaged Discontinued Shingles, Matching, and Code-Upgrade Supplement
A 22-year-old asphalt shingle roof on a 3,200 sq ft ranch has hail hits on 14 shingles on the south slope. The insurer’s scope pays to replace 14 shingles and says the rest is wear and tear.
584 words, about 3 min