Public Adjusters in Nebraska

A public adjuster is a licensed insurance professional who represents the policyholder — not the insurance company — in preparing, presenting, and negotiating a first-party insurance claim. They provide expertise in documenting damages and interpreting coverage.

Yes. Nebraska requires anyone acting as a public adjuster to hold an active Nebraska Public Adjuster License issued by the Nebraska Department of Insurance (DOI). Acting without a license is prohibited.

• Apply through the Nebraska DOI or via NIPR.
• Provide proof of a $20,000 surety bond (required for both resident and non-resident adjusters).
• Meet Nebraska’s eligibility standards (e.g., at least 18 years of age, good character).
• Complete any required exam or credential steps specified by the DOI.

A public adjuster is hired and paid by you, the policyholder, and the fee must be listed in your written contract with the adjuster.

In the case of a catastrophic disaster, Nebraska law specifically limits the fee a public adjuster can charge to no more than ten percent (10%) of the insurance settlement or proceeds.

• Public adjuster: Works for you (the policyholder), reviewing damage, coverage and negotiating your claim.
• Company adjuster: Works for the insurer, and typically handles evaluation and settlement on the company’s behalf.

Nebraska law requires that public adjusters serve the insured with objectivity and loyalty and prohibits business practices such as unlicensed representatives conducting business for which a license is required. They also must avoid conflicts of interest in referrals and compensation outside of the contract with the insured.

Yes. Nebraska issues non-resident public adjuster licenses. Non-residents must meet Nebraska’s licensing requirements, including proof of bond, and meet the DOI’s eligibility standards.

• The damage to your property is substantial or complex.
• Your insurer’s initial offer seems low.
• You want expert help with documentation, coverage interpretation, and negotiations.