For public adjusters
Your licence is a dated document in a named state, your first contact with a client produces five specific documents, and your fee is a percentage somebody could be asked to justify. CRM For Claims holds all three as fields with rules on them — the licence expires on the date it says, and the contract packet will not send without one.
The short version
Most software sold to this industry is built around a contractor who wins a job and then does the work. A public adjusting firm has a different shape: the representation itself is the product, the file is opened by a signed contract rather than an accepted estimate, and three of the things that can end a firm — an expired licence, a contract signed at the wrong hour, a fee above what was agreed — are all matters of record rather than matters of effort.
So the parts of this system a PA firm uses most are not the ones a roofer would name. They are the licence block on each user, the Letter of Representation packet, the fee percentage on the claim, and the report that counts contracts by the date they were signed. Everything else — the stages, the folders, the calendar — works the same for everybody.
Licences
Public Adjuster License is its own block on a user’s record, with its own permission, beside their general information and their files.
A licence is not a text box on a profile. It is a record, and adding one asks for all of this:
| On the licence | Why it is asked for |
|---|---|
| State and licence number | One record per state, so an adjuster licensed in four of them carries four licences on the same account rather than one number that is only right in one place. |
| Issue and expiration date | Both are required. The expiration date is what decides whether the licence still counts, and it is re-checked every time somebody opens the console — not once a night. |
| The licence document | A PDF or an image of the licence itself, required to save. A licence with no document attached cannot be added at all, so the file is never the thing somebody meant to upload later. |
The list splits itself in two. Active licences sit in one group and expired ones in another, and a licence moves between them on its own date — there is no status somebody has to remember to change. Inside the list each expiration date is coloured: green while there is time, orange once it is within thirty days, red once it has passed. That thirty-day amber is the whole renewal reminder, and it is on the screen the office already opens rather than in an email somebody archives.
The same licence number cannot be added twice with the same issue and expiration dates, so a renewal is a new record with new dates rather than an edit that quietly rewrites the history of what you held last year.
Letter of representation
A new client does not produce one document, it produces a packet, and the system knows the packet by name. These five are offered as their own set, with their length stated so the person uploading knows whether a page is missing:
| Document | Length |
|---|---|
| Public Adjuster Contract | 2 pages |
| Full Financial Interest Disclosure | 2 pages |
| Third Party Authorization | 1 page |
| Consumer Rights Notice | 1 page |
| Inspection and Consulting Agreement | 2 pages |
Pick one of them and it stops being offered for the rest of that upload, so a file cannot end up holding two different documents both called the Public Adjuster Contract. The signed copies land together in a folder named Letter of Representation Documents (LOR) rather than wherever the person filing them happened to be, which is what makes the packet reviewable later by somebody who was not there. Folders and who can open them are covered under claim document management.
Choosing the Public Adjuster Contract is also what opens the claim fields that depend on it — the signing date and the fee — so those are asked for exactly when there is a contract to take them from.
Signing
When these documents are generated and sent for signature rather than uploaded as scans, two settings ride along on the template. Both exist because of how this particular contract is regulated, and both are switches you can see and change.
A template can be marked as requiring a public adjuster licence — the Public Adjuster Contract and the Full Financial Interest Disclosure arrive with it set. Press Send with no active licence on your own record and the send stops with a message saying a licence is required and that yours is missing or expired. An expired licence is treated as no licence, because that is what it is.
The same two documents arrive with a signing window of 8:00 to 20:00. Open the signing link outside those hours and the page says the document cannot be signed now instead of taking a signature and timestamping it at midnight. The hours are per template, so a document with no such restriction simply does not carry one.
One honest detail about the first rule: the licence check stops the send in the interface, at the moment you press the button. The licence itself is looked up when the document is put together, and only a licence that has not expired is found — so what actually reaches the page is either a current licence number or nothing.
The claim
Underneath the packet is the claim record: the policy number, the claim number, and these.
| Field | How it behaves |
|---|---|
| Claim status | Claim Needs to be Filed, Filed, Approved, Denied or Closed. Five states, written the way a file actually moves, rather than a sales stage borrowed from a deal pipeline. |
| Type of loss | Hail / Wind, Wind, Water, Fire/Smoke, Ice Damming, or a type you type in yourself. It is a field on the claim, which is what makes “every hail file we opened” a question the system can answer. |
| Date of loss | Chosen from your list of storm events rather than typed per file, so forty claims from one hailstorm all point at the same dated event instead of forty slightly different dates. |
| Public adjuster fee | A percentage held on the claim, required, and capped at the percentage on the signed contract — the box refuses a higher number. |
The fee is the one worth pausing on. It is stored as a percentage on the claim, it is required, and the field will not take a number higher than the one on the signed contract — type a bigger one and it is pulled back down. From there it is a figure the money side uses rather than a note: when a carrier payment is split, the fee percentage is applied and the resulting memo spells out the arithmetic, the original invoice amount and what is left. How the money on a claim is invoiced and tracked is on the invoicing page.
Reporting
For a firm whose product is representation, the number that matters is how many contracts were signed, and it is the number most easily made meaningless by counting it three different ways. Signed public adjuster contracts are counted in three places — the Master Report, the Sales Report for one person, and Sales Dpt. Performance for the whole team — and all three use one rule. A contract belongs to the period it was signed in, so a contract signed this year counts this year even if the project was opened last year. A contract uploaded without a signing date belongs to no period, including All, rather than being guessed into one.
Pick the same period in all three and the totals match. That is the point of the rule, and the reporting page goes through the rest of the reports and the date each one counts on.
Your office
The licence block is its own permission on a user’s record, separate from their general information, their files and their login. Somebody who administers files does not automatically get to read everyone’s licence documents, and the same applies in reverse. Three access levels and 367 individual rights are described under roles and permissions.
On price: plans start at $59 a month for Essentials, which includes the company account and the first admin user, with each additional user at $39 a month. Essentials is described on the pricing page as the plan for new PA licence holders and solo operators, and it carries claim pipelines, project records, document storage and team permissions. The generated, e-signed document packet and the Documents Hub are part of Professional at $99 a month — so a one-person firm filing scanned contracts starts on Essentials, and a firm sending contracts out for signature needs Professional.
Honest limits
If you are on the other side of this — a contractor deciding what to hand over when a public adjuster takes a file on — we wrote that up separately in handing a claim to a public adjuster or attorney. And if you are weighing this against a general-purpose CRM or a broad construction platform, the comparison page is honest about where each one fits.
FAQ
Straight answers about who we serve, what we automate, and how to get started.
Both use it, and the parts that differ are the ones a public adjuster cares about: a public adjuster licence record on every user, the five-document letter of representation packet, a fee percentage held on the claim and capped at the signed contract, and reports that count signed contracts by their signing date.
Yes. Licences are individual records on a user, each with its own state, licence number, issue date, expiration date and an attached copy of the licence itself. An adjuster licensed in four states holds four records, and each one expires on its own date.
The expiration date turns orange once it is within thirty days and red once it has passed, and the licence moves itself from the active group to the expired group on its own date. That check runs whenever the console is opened rather than on a nightly schedule.
The send stops. Templates can be marked as requiring an active public adjuster licence, and the Public Adjuster Contract and Full Financial Interest Disclosure come with that set. Pressing Send without a current licence brings up a message saying a licence is required and that yours is missing or expired.
Yes, and two documents already are. A template can carry a signing window, and the Public Adjuster Contract and Full Financial Interest Disclosure arrive set to 8:00 to 20:00. Outside those hours the signing page refuses instead of accepting a signature. The window is editable per template.
Public Adjuster Contract, Full Financial Interest Disclosure, Third Party Authorization, Consumer Rights Notice and Inspection and Consulting Agreement. Each can be filed once per upload set, and the signed copies go into a folder called Letter of Representation Documents (LOR).
As a required percentage on the claim, capped at the percentage on the signed contract — a higher number is refused. It is then used when a payment is split, and the expense memo records the original invoice amount, the percentage deducted and what remains.
No. It holds the number, the state, the dates and the document you attached, and it enforces the expiration date you entered. It does not query a state licensing database, so a licence suspended between renewals would still look active until somebody updates the record.
Essentials is $59 a month and includes the company account and the first admin user, with additional users at $39 a month each. Sending contracts out for electronic signature needs Professional at $99 a month, which adds the Documents Hub and e-signatures.
