Public Adjusters in South Carolina

A public adjuster is a licensed professional who represents you, the policyholder, when handling a first-party property insurance claim. They inspect and document damage, prepare claim submissions, and negotiate with your insurance company to help you pursue a fair settlement.

Yes. Under South Carolina law, any individual commonly called a public adjuster who adjusts losses for an insured must hold a public adjuster license issued by the South Carolina Department of Insurance. Acting without a license is considered unauthorized insurance business.

• Be at least 18 years old and of good moral character.
• Pass the written examination required for public adjusters, which is the same as the adjuster exam prescribed by the director.
• Submit your licensing application to the South Carolina Department of Insurance via NIPR.
• Pay the biennial license fee (typically $80) and provide any required background documentation.

• Interpret your policy and determine what is covered.
• Thoroughly document property damage and prepare estimates.
• Submit detailed claim documentation to your insurer.
• Communicate and negotiate with the insurance company on your behalf.

Yes. Non-resident public adjusters can apply for a South Carolina license, but they must meet licensing requirements similar to resident adjusters. If their home state does not license public adjusters, reciprocity typically isn’t automatic unless they pass the South Carolina exam.

• Services to be provided
• Fee or compensation terms
• Your right to cancel the contract within a specified period
• Clear disclosure that the adjuster is hired by you, not the insurer

• You’ve experienced significant or complex property damage.
• The insurer’s initial offer seems insufficient.
• You want professional documentation and negotiation help.