Continental Adjusters

What Continental Adjusters does

Continental Adjusters LLC is a U.S.-licensed public insurance adjusting firm founded in 1999 and headquartered in McKinney, Texas, with additional offices in Monroe, Georgia; Walnut Creek, California; and Cleveland, Ohio. The firm represents policyholders (not insurance carriers) in property and business-interruption claims arising from catastrophes such as hurricanes, hailstorms, tornadoes, fires, floods, and freeze events, and is licensed to operate in more than 40 states with additional international claim capability (documented in the Cayman Islands and Mexico). The firm operates on a contingency-based fee model, charging a percentage of the claim settlement (typically 5% to 20% depending on claim size and complexity) only when additional recovery is achieved for the client.

The company's service portfolio spans four lines: core Public Adjuster Services (damage assessment, documentation, policy interpretation, and settlement negotiation), Forensic Accounting Services (business interruption calculations and lost income determinations), Expert Witness Services (testimony in claim-dispute proceedings), and Umpire and Appraisals Services (neutral dispute resolution under the policy appraisal clause). Customer evidence shows it concentrates on commercial property owners and property management firms across hospitality, multi-family residential, retail, education, and government segments, with case-study outcomes including settlement uplifts of 60-72% above initial insurer offers (e.g., $64M vs $40M on a Hurricane Laura shopping center claim, $11.5M vs $6.7M on a tornado office-park claim, and a $2M recovery vs $200K initial expectation on the Bethany Square Apartments receivership).

The firm pursues a direct-to-policyholder go-to-market motion, supported by a content-marketing presence of more than 60 blog articles and 40+ state-specific landing pages, six industry/trade association memberships (NAPIA, PHADA, TAPIA, TAA, AAG Dallas, ICSC), and a published cumulative track record of over $4 billion in client settlements since inception. It is privately held as an LLC with no disclosed parent company, no funding rounds, and headcount reported in the 11-50 range.

Name

Continental Adjusters

Legal name

Continental Adjusters LLC

Website

https://continentaladjusters.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Continental Adjusters is a U.S.-licensed public insurance adjusting firm (founded 1999, McKinney, TX) that represents commercial property policyholders in catastrophe and complex insurance claims on a contingency fee basis across 40+ states.

Ownership category

akta.pro rank

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Contingency-Based Public Adjusting Fees: The company operates on a contingency fee model, receiving a small percentage of the claim settlement amount only if additional recovery is achieved. This aligns the company's incentives with the policyholder's interests. The fee structure is described as ranging from 5% to 20% depending on claim size and complexity.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Continental Adjusters LLC provides public insurance adjusting services, representing policyholders in the preparation, documentation, and negotiation of property and business interruption insurance claims. Adjacent services include forensic accounting for loss calculations, expert witness testimony, and umpire/appraisal services to resolve valuation disputes between policyholders and insurers.

Product overview

Continental Adjusters LLC operates as a public adjusting firm offering a portfolio of professional services centered on insurance claim advocacy for policyholders. The core service is Public Adjuster Services, which provides comprehensive representation including damage assessment, documentation, policy interpretation, and settlement negotiation. This core offering is supported by three specialized service lines: Forensic Accounting Services (for financial analysis and business interruption calculations), Expert Witness Services (for legal proceedings), and Umpire and Appraisals Services (for dispute resolution through the appraisal process). The company serves commercial and residential property owners across 40+ states and internationally, handling claims related to hurricanes, fires, floods, hailstorms, tornadoes, wind damage, and other covered perils.

Differentiator

Problem solved

Functional benefit

Products and services

• Public Adjuster Services Professional public adjusting services that represent policyholders (not insurance companies) to assess damages, document losses, interpret policy language, and negotiate settlements after property damage events such as hurricanes, fires, floods, hailstorms, and tornadoes. Serves commercial property owners, property management companies, and government/education entities.
• Forensic Accounting Services Specialized accounting services that analyze and document financial aspects of insurance claims, including business interruption calculations, lost income determinations, and complex financial documentation to support claim recovery. Used in conjunction with property damage claims to substantiate economic losses.
• Expert Witness Services Professional testimony and expert witness services for legal proceedings involving insurance claim disputes, providing authoritative opinions on insurance claim valuation, causation, and industry standards. Typically engaged in litigated or disputed insurance matters.
• Umpire and Appraisals Services Neutral appraisal and umpire services to resolve disputes between policyholders and insurance companies regarding claim valuations, following the appraisal clause process outlined in insurance policies. Used when parties cannot agree on loss amount.

Quantifiable outcome

• $4 billion in settlements collected for clients
• +5 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered minor.

• PHADA (Public Insurance Adjusters Association)minorOthersIndustry association for public insurance adjusters providing professional development, networking, and advocacy for the public adjusting profession.
• TAPIA (Texas Association of Professional Insurance Adjusters)minorOthersState-level professional association for insurance adjusters in Texas, providing certification and industry standards.
• NAPIA (National Association of Public Insurance Adjusters)minorOthersNational organization representing and certifying public insurance adjusters across the United States.
• AAG DallasminorOthersProfessional association providing supplier directory for adjusters and related professionals in the Dallas area.
• TAA (Texas Association of Adjusters)minorOthersTexas-based association for insurance adjusters providing professional standards and networking.
• ICSC (International Council of Shopping Centers)minorOthersGlobal trade association for the shopping center industry, providing networking and professional development for retail real estate professionals.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Eagleridge Adjusters: Eagleridge Adjusters is a public adjusting firm serving commercial and residential policyholders with a focus on catastrophe and large-loss claims. It competes directly with Continental Adjusters on commercial property portfolios and hurricane/wind claims.
• Public Adjusters International: Public Adjusters International is a national public adjusting network representing policyholders on commercial and residential claims. It overlaps with Continental Adjusters in core service offering, contingency fee model, and large-loss claim expertise.
• Insurance Claim Recovery Support: Insurance Claim Recovery Support is a public adjusting firm representing policyholders on commercial and residential property claims. It offers a contingency-based model similar to Continental Adjusters and competes in the same large-loss and denied-claim segments.
• Tutwiler & Associates: Tutwiler & Associates is a large national public insurance adjusting firm representing policyholders on commercial property claims. It competes directly with Continental Adjusters for hurricane, fire, and large-loss engagements across the southern US and beyond.
• Greenspan Adjusters International: Greenspan Adjusters International is a long-established public adjusting firm specializing in large commercial property losses, including catastrophe claims. It directly competes with Continental Adjusters in representing policyholders against insurers on complex settlements.
• The Morgan Company Adjusters: The Morgan Company Adjusters is a public adjusting firm handling commercial property claims for policyholders, including business interruption and large-loss work. It is comparable to Continental Adjusters in service mix and target customer base.
• Citizens Adjustment Services: Citizens Adjustment Services is a public insurance adjuster handling residential and commercial claims nationwide. It offers a similar contingency-based representation model for policyholders and competes with Continental Adjusters for mid- to large-loss engagements.

Broad incumbents

• Crawford & Company: Crawford & Company is a global independent provider of claims management and adjusting services. Although it primarily serves insurers and corporations rather than individual policyholders, its catastrophe response capabilities and technology investments set competitive benchmarks for public adjusting firms such as Continental Adjusters.
• Sedgwick: Sedgwick is a global claims management provider that handles property, casualty, and catastrophe claims at scale, primarily on behalf of insurers and employers. While it serves carriers rather than policyholders, its scale and technology investments define the competitive landscape for independent public adjusters like Continental Adjusters.
• Hub International: Hub International is a large insurance brokerage that helps commercial clients structure property and casualty coverage. While not a public adjuster, it competes for the same commercial property client's insurance-related spend and may also refer or steer policyholders toward public adjusting services.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/contadjusters
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/continental-adjusters-inc.

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Continental Adjusters