Public Adjusters in Indiana

Yes. Indiana authorizes licensing of public adjusters under Indiana Code § 27-1-27. Licensed public adjusters represent policyholders during claim negotiations.

A public adjuster in Indiana works exclusively for the insured (you). They will inspect and document property damage, interpret your insurance policy’s coverages and exclusions, prepare your claim submission, and negotiate with the insurer on your behalf.

• Be at least 18 years old and of good reputation.
• Submit a license application to the Indiana Department of Insurance (IDOI).
• Pass the public adjuster exam.
• File a surety bond (typically around $10,000) as required for public adjuster licensing.

• The contract should clearly state the adjuster’s service, fee structure, and scope of work.
• Adjusters must report administrative or criminal actions against them to the commissioner within 30 days.

No. There is no specific statutory cap on the fee percentage an Indiana public adjuster may charge. However, fees must still be reasonable and disclosed in writing.

• Your property loss is large, complex, or has layers (e.g., business interruption, fire plus water damage).
• You feel the insurer’s initial offer is too low or you’re overwhelmed by claim documentation.
• You want a professional advocate to navigate the claim process and maximize your settlement.

• Windstorm, hail, and thunderstorm damage
• Fire and smoke damage
• Water intrusion, flooding, and roof collapse
• Tornado or severe storm structural damage