Public Adjusters in Nevada

A public adjuster is a licensed insurance professional who represents the policyholder in property insurance claims. Their role is to interpret your policy, document damage, prepare the claim, and negotiate with your insurer on your behalf. Unlike an insurer’s adjuster, they work solely for you, not the insurance company.

Yes. Nevada law prohibits anyone from acting as an adjuster — including public adjusters — without first holding the appropriate license issued by the Nevada Division of Insurance. Acting without a license is a misdemeanor and may lead to penalties.

• Review and interpret your insurance policy.
• Document and estimate property damage.
• Prepare and submit your claim to the insurer.
• Negotiate the settlement to help ensure you receive all benefits due under your policy.

• Be at least 18 years old and of good reputation.
• Submit a completed application to the Nevada Division of Insurance.
• Pass the Nevada state exam for adjusters.
• Submit fingerprints and meet background check requirements.
• Be competent, trustworthy, and financially responsible.

No. Nevada law prohibits an individual from being licensed as both a public adjuster and an independent adjuster at the same time. This ensures clarity around whose interests an adjuster represents.

No. Nevada does not impose a specific statutory fee cap on what a public adjuster can charge. However, compensation terms must be disclosed in writing in your contract.

• The services the adjuster will provide.
• The fee or compensation structure.
• Terms of cancellation or revocation.
• The adjuster’s Nevada license number and contact information.

• Your property has significant or complex damage.
• You disagree with the insurer’s initial settlement offer.
• You want professional help navigating documentation and negotiations.
• You want to ensure no covered loss is overlooked.