Field notes
Operational notes from the public adjuster desk
Benchmarks, workflows, and reference material for property-claims professionals. No slogan-y SaaS posts. Every number cites a source.
Reference
Examination Under Oath: A Public Adjuster's Preparation Reference
An EUO notice doesn't mean a claim is dying — but walking in without a clean file and a prepared client can end it. Here's what public adjusters need to know before the court reporter arrives.
9 min read
Comparison
claimOS vs ClaimCenter: When Carriers Are on Guidewire and Public Adjusters Aren't
Guidewire ClaimCenter powers 550+ carriers worldwide. Here's what that means for public adjusters — and why having your own purpose-built system matters more when the carrier's stack is sophisticated.
8 min read
Workflow
How a Public Adjuster Documents a Hail Roof So It Survives Re-Inspection
Two roofs, one hailstorm, an $18,000 gap in the payout. What separates a paid hail replacement from a cosmetic denial is the test square, the storm record, and the policy language — here is how to put each in the file.
6 min read
Industry data
Average Settlement Time by Peril: Hail, Wind, Water, and Fire — A 2026 Benchmark
There is no clean average-days-to-settle figure by peril. What there is: a predictable map of where hail, wind, water, and fire each hide their delay — and a statutory clock that runs the same for all of them.
7 min read
Trend analysis
AI in Property Claims: Where Carrier Automation Helps Public Adjusters and Where It Hurts
Carriers now triage, score, and assemble property estimates with AI before a human opens the file. Where that automation is accurate, where it underpays, and how a public adjuster pushes back.
8 min read
State legal
Florida Property Insurance Claim Deadlines and Bad-Faith Protections: 2026 Field Guide
A working calendar for Florida property losses after SB 2-A and HB 837: the one-year notice rule, the 7/30/60 carrier deadlines, § 627.70152 pre-suit notice, and how the bad-faith landscape changed.
8 min read
Reference
Letter of Representation for Public Adjusters: What It Says, Why It Matters, and a Working Template
The LOR is the smallest document on a property claim file and one of the most consequential. What goes in it, how state law treats it, where it breaks down, and a working template a firm can adapt the same day.
8 min read
Comparison
claimOS vs Symbility: Field-Tested Differences for Public Adjusters
Symbility (now Cotality) prices the scope. For a public adjusting firm that leaves intake, evidence, drafting, supplements, and the client file unmanaged. A field comparison of where each tool fits.
7 min read
Workflow
Fire Claim Scope Workflow: From Site Walk to Sworn Proof of Loss
How a public adjuster works a fire file in sequence — the site walk, the five-layer scope, the contents inventory, and the sworn proof of loss that becomes the number you can't walk back.
7 min read
Industry data
Hail Claim Density Map 2026: A Public Adjuster's State-by-State Volume Forecast
Where 2026's hail claim volume is concentrating, read off State Farm's $5.6B payout map, and what the state-by-state movement means for a public adjusting firm's calendar.
7 min read
Trend analysis
The 2026 Florida Carrier Behavior Report: How Settlement Tactics Shifted After Tort Reform
How Florida's SB 2-A and HB 837 reshaped property-claim carrier behavior — denial rates, DOAH arbitration, the 90-day bad-faith safe harbor, and what the 2026 file looks like for public adjusters.
6 min read