Public Adjusters in Montana

Yes. Montana law states that someone must hold an adjuster license issued by the Montana Commissioner of Securities and Insurance before acting as an adjuster, including a public adjuster. You cannot legally adjust claims in the state without a license.

A public adjuster represents you — the policyholder — in preparing, presenting, and negotiating a first-party property insurance claim. They help interpret your policy, document damages, prepare estimates, and communicate with your insurer to pursue a full and fair settlement. This is exactly how industry associations like NAPIA define the role of a public adjuster.

• You must submit an application to the Montana Commissioner of Securities and Insurance.
• Be at least 18 years old, of good character, and trustworthy per statute.
• Complete background checks.
• Pass an adjuster licensing exam as prescribed.
• File a $5,000 surety bond with your application.

• Serving only the insured’s interests with objectivity and loyalty.
• Not soliciting business during a loss-producing event.
• Not permitting unlicensed personnel to perform adjuster work.
• Not acquiring property interests without written permission.

Montana does not specify a fee cap in the statutes, but any compensation terms must be clearly disclosed in a written contract before services begin. Always request a detailed contract outlining fees, services, and cancellation terms.

• You’ve sustained substantial property damage (large storm, water loss, wildfire smoke).
• The insurer’s initial offer seems low or incomplete.
• You want a professional advocate to handle documentation and negotiation for you.

Yes. Montana issues non-resident public adjuster licenses. Non-resident applicants must files the same required documents, including the $5,000 surety bond — and meet Montana’s eligibility requirements.