Can a public adjuster restrict an insurer's access to the insured property?

A public adjuster cannot restrict an insurer's access to the insured property because they are required to provide access at reasonable times. This obligation is rooted in the principle of cooperation during the claims process, where both the insured and the insurer have responsibilities to gather information regarding the loss.

When an insurer needs to inspect the property to evaluate the claim, the insured's right to aid in the process keeps the relationship between the insurer and the insured transparent and equitable. By ensuring access to the property, the public adjuster helps facilitate a thorough investigation, which can ultimately lead to a fair resolution of the claim. This cooperation is foundational in the insurance claim process because it helps to ensure all parties are working with the same information and reduces unnecessary disputes or delays.

Additionally, while it is important for both the adjuster and the insurer to respect the homeowner's privacy and property, this must be balanced with the insurer's rights to conduct necessary assessments in a timely manner, further emphasizing the need for reasonable access.