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Commonwealth of Virginia

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Frequently asked questions for property insurance claims adjusting in Virginia

What is the difference between an Insurance Adjuster, Public Adjuster and Independent Adjuster?

An Insurance Adjuster is assigned to your claim by your insurer, is paid for, and works on behalf of the insurer in the settlement of a claim.   A Public adjuster is hired by the property owner and works only on behalf of the insured.  An independent adjuster is hired by the insurer to assist the insurance company in the settlement of the claim.

What types of  adjusters are licensed in the Commonwealth of Virginia ?

Chapter 18 Title 38.2 of the Code of Virginia establishes licensing, bonding, testing, education, and continuing education requirements for only Public Adjusters or Firms engaged in the representation of effecting the settlement of a claim on behalf of the insured.  There are no licensing, education, or surety requirements for insurance adjusters or independent adjusters.

How Does the State Corporation Commission Define Public Adjusting?

38.2-1845.1 of the Code of Virginia  defines public adjusting  as an individual or business that receives compensation for, "soliciting, investigating, negotiating, adjusting, or providing advice to an insured in relation to first party claims arising under insurance contracts that insure the real or personal property of an insured for the purpose of effecting the settlement of a claim on behalf of the insured. Public adjusting includes advertising or representing oneself as a public adjuster.

Are there state required contractual requirements between and insured and public adjuster?

38.2-1845.13 of the Code of Virginia requires public adjuster contracts in the Commonwealth of Virginia contain  twelve distinct items.  Additionally, a letter of notification, and employment disclosure must be delivered to the insured.







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Virginia Public Adjuster Towns and Cities Serviced

Abbs Valley, Abingdon,  Accomac, Adwolf, Afton,  Alberta, Aldie, Alexandria, Allison Gap, Allisonia, Altavista, Amherst, Annandale, Apple Mountain,  Lake Appomattox, Arcola, Arlington, Arrington, Ashburn, Atkins, Atlantic, Augusta Springs,  Austinville, Bailey's Crossroads, Barboursville, Baskerville, Bassett, Bastian, Basye, Bayside, Baywood, Bealeton, Bedford, Belle Haven, Bellwood. Belmont,  Belmont Estates, Belspring, BelviewBenns, Church, Bensley, Berryville, Bethel Manor, Big Island, Big Rock, Big Stone Gap, Big Stone Gap East, Blacksburg, Blackstone, Blairs, BlandBloxom, Blue Ridge, Blue Ridge Shores, Bluekeld, Bobtown, Boissevain, Bon Air, Boones Mill, Boston, Boswell's Corner, Bowling Green, Boyce, Boydton, Boykins, Bracey, Braddock, Brambleton, Branchville, Brandermill, Brandy Station, Breaks, Bridgewater, Brightwood, Bristol, Broadlands, Broadway, Brodnax, Brookneal, Brucetown, Buchanan, Buckhall, Buena Vista, Bull Run, Burke, Burke Centre, Burkeville, Callaghan, Calverton Camp,  Barrett, Camptown, Cana, Cape Charles, Capron, Captains Cove, Carrollton, Carrsville, Cascades, Castlewood, Catlett, Cats Bridge, Cave Spring, Cedar Bluf, fCentral Garage, Centreville, Chamberlayne, Chantilly, Charles City, Charlottesville, Chase City, Chase Crossing, Chatham, Chatmoss, Cheriton, Cherry Hill, Chesapeake, Chester, Chester Gap, Chilhowie, Chincoteague, Christiansburg, Clarksville, Claypool Hill, Cleveland, Clifton, Clifton Forge, Cliftondale Park, Clinchco, Clinchport, Clintwood, Clover, Cloverdale, Cluster Springs, Coeburn, Collinsville, Colonial, Beach, Colonial Heights, Columbia, Concord, Countryside, Courtland, Covington, Craigsville, Crewe, Crimora, Crosspointe, Crozet, Culpeper, Cumberland, Dahlgren, Dale City, Daleville, Damascus, Dante, Danville, Dayton, Deerkeld, Deltaville, Dendron, Difficult Run, Dillwyn, Dinwiddie, Disputanta, Dooms, Doran, Drakes Branch, Dranesville, Draper, Dryden, Dublin, Dufkeld, Dulles Town Center, Dumbarton, Dumfries, Dunbar, Dungannon, Dunn Loring, Eagle Rock, Earlysville, East,  Lexington, East Stone Gap, East Highland Park, Eastville, Ebomy, Edinburg, Eggleston, Elliston, Emory, Emporia, Enon, Esmont, Ettrick, Ewing, Exmore, Fair Lakes, Fair Oaks, Fairfax, Fairfax Station, Fairkeld, Fairlawn, Fairview, Fairview Beach, Falls Mills, Falls Church, Falmouth, Fancy Gap, Farmville, Ferrum, Fieldale, Fincastle, Fishersville, Flint,  Hill, Floris, Floyd, ForestFort,  Belvoir, Fort Chiswell, Fort Lee, Fort Hunt, Franconia, Franklin, Franklin Farm, Fredericksburg, Free Union, Fries, Front Royal, Gainesville, Galax, Gargatha, Gasburg, Gate City, Glade Spring, Glasgow, Glen Lyn, Glen Wilton, Glen Allen, Gloucester Point, Goochland, Gordonsville, Gore, Goshen, Gratton, Great Falls Crossing, Great Falls, Greenbackville, Greenbriar, Greenbush, Greenville, Gretna, Grottoes, Groveton, Grundy, Gwynn, Halifax, Hallwood, Hamilton, Hampden Sydney, Hampton, Hanover, Harborton, Harrisonburg, Harriston, Haykeld, Haymarket, Haysi, Heathsville, Henry Fork, Herndon, Highland Springs, Hillsboro, Hillsville, Hilltown, Hiltons,  Hiwassee, Hollins, Hollymead, Hopewell, Horntown, Horse Pasture, Hot Springs, Huntington, Hurt, Hutchison, Hybla Valley, Idylwood, Independence, Independent Hill, Innovation, Innsbrook, Iron Gate, Irvington, Ivanhoe, IvorIvy, Jarratt, Jewell Ridge, Jolivue, Jonesville, Keezletown, Keller, Kenbridge, Keokee, Keswick, Keysville, Kincora, King George, King William, Kings Park, Kings Park West, Kingstowne, La Crosse, Lafayette, Lake Barcroft, Lake Caroline, Lake Holiday, Lake Land'Or, Lake Monticello, Lake of the Woods, Lake Wilderness, Lake Ridge, Lakeside, Lancaster, Lansdowne, Laurel, Laurel Hill, Laurel Park, Lawrenceville, Laymantown, Lebanon, Lee Mont, Leesburg, Leesylvania, Lexington, Lincolnia, Linton Hall, Linville, Long Branch, Lorton, Loudoun Valley Estates, Louisa, Lovettsville, Lovingston, Low Moor, Lowes Island, Lunenburg, Luray, Lynchburg, Lyndhurst, Madison, Madison Heights, Makemie ParkMallow, Manassas, Manassas Park, Manchester, Mantua, Mappsville, Mapsburg, Marion, Marshall, Martinsville, Mason Neck, Massanetta Springs, Massanutten, Mathews, Matoaca, Maurertown, McDowell, McGaheysville, McKenney, McLean, McMullin, McNair, Meadowbrook, Meadows of Dan, Meadowview, Mechanicsburg, Mechanicsville, Melfa, Mendota, Merrikeld, Merrimac, Metompkin, Middleburg, Middletown, Midland, Midlothian, Millboro, Modest Town, Moneta, Montclair, Monterey, Montrose, Montross, Montvale, Moorekeld, Motley, Mount Clifton, Mount Crawford, Mount Hermon, Mount Jackson, Mount Sidney, Mount Vernon, Mountain Road, Narrows, Nassawadox, Nathalie, Navy, Nellysford, Nelsonia, New Baltimore, New Castle, New Church, New Hope, New Kent, New River, Newington, Newington Forest, Newport News, Newsoms, Nickelsville, Nokesville, Norfolk, North Garden, North Shore, North Springfeld, Norton, Oak Grove, Oak Hall, Oak Leve, Oakton, Onancock, One Loudoun, Onley, Opal, Orange, Osaka, Painter, Palmyra, Pamplin City, Pantops, Paris, Parksley, Parrott, Passapatanzy, Pastoria, Patrick Springs, Pearisburg, Pembroke, Penhook, Pennington Gap, Petersburg, Phenix, Pimmit Hills, Piney Mountain, Plum Creek, Pocahontas, Poquoson, Port Republic, Port Royal, Portsmouth, Potomac Mills, Pound, Pounding Mill, Powhatan, Prices Fork, Prince George, Pulaski, Pungoteague, Purcellville, Quantico, Quinby, Radford, Raven, Ravensworth, Rectortown, Remington, Reston, Rich Creek, Richlands, Richmond, Ridgeway, Riner, Rio,  Rivanna, Riverdale, Riverview, Roanoke, Rockwood, Rocky Gap, Rocky Mount, Rose Hill, Round Hill, Ruckersville, Rural Retreat, Rushmere, Rustburg, Salem, Saltville, Saluda, Sandston, Sandy Level, Sanford, Savage Town, Savageville, Saxis, Schooner Bay, Schuyler, Scotland, Scottsburg, Scottsville, Sedley, Selma, Seven Corners, Seven Mile Ford, Shawneeland, Shawsville, Shenandoah, Shenandoah Farms, Shenandoah Retreat, Shenandoah Shores, Sherando, Shipman, Short Pump, Singers Glen, Skylan Estates, Smithkeld, Snowville, South Boston, South Hill, South Run, South Riding, Southampton Meadows, Southern Gateway, Southside Chesconessex, Sperryville, Springkeld, St. Charles, St. Paul, Stanardsville, Stanley, Stanleytown, Staunton, Stephens City, Sterling, Stevens Creek, Stewartsville, Stickleyville, Stone Ridge, StonegaStony Creek, Strasburg, Stuart, Stuarts Draft, Sudley, Suffolk, Sugar Grove, Sugarland Run, Sully,  Square, Surry, Sussex, Tacoma, Tangier, Tappahannock, Tasley, Tazewell, Temperanceville, Templeton, The Plains, Thynedale, Timberlake, Toms Brook, Triangle, Troutdale, Troutville, Tuckahoe, Twin Lakes, Tysons Corner, Union Hall, Union Level, Union Mill, Urbanna, Vansant, Verona, Victoria, Vienna, Villa Heights, Vinton, Virgilina, Virginia Beach, Wachapreague, Wakekeld, Wakekeld, Warrenton, Warsaw, Washington, Waterford, Wattsville, Waverly, Waynesboro, Weber City, Weems, West Point, West Falls Church, West Springkeld, Westlake Corner, Weyers Cave, White Stone, Whitesville, Williamsburg, Willis Wharf, Winchester, Windsor, Wintergreen, Wise, Wolf Trap, Woodbridge, Woodburn, Woodlake, Woodlawn, Woodlawn, Woodstock, Wyndham, Wytheville, Yogaville, Yorktown, Yipperville.