Learn About The Public Claims Adjusters Network (PCAN) Membership For Public Adjusters

What Is The Public Claims Adjusters Network (PCAN)?

The Public Claims Adjusters Network (PCAN) is a national network of pre-vetted, licensed, and verified public adjusters who specialize in residential and commercial property damage insurance claims. Our member adjusters cover over 30 different claim types and are located in 40+ states.

PCAN operates through our education-focused platform for policyholders, PublicClaimsAdjusters.io, which provides educational resources and answers to the most frequently asked questions policyholders have after disaster strikes.

We aim to help educate policyholders on their rights, and spread awareness of the numerous benefits for policyholders in working with a licensed public adjuster when it comes to their damage claims.

With less than 5% of all policyholders even knowing what a public adjuster is, let alone that they are legally entitled to hire one in nearly all States, we hope to spread awareness of the numerous benefits working with a licensed public adjuster can bring to policyholders nationwide.

Membership Requirements Every Public Adjuster Must Pass To Apply To The Public Claims Adjusters (PCAN) Network:

*We have lowered our minimum time in business to 3+ years (formerly 5+ years) to accommodate for the fact that many former insurance adjusters are transitioning to becoming public adjusters, and most have many years in the adjusting industry that they are carrying over. If a public adjuster applies for membership in the network, and they have 7+ years experience as an insurance adjuster (considered a Senior Level Adjuster by the industry) they will also be permitted entry to the network based on the seniority of their previous experience (assuming they pass the rest of the application & audit process).

**In states requiring apprenticeship, public adjusters may apply for membership after their apprenticeship period, provided they have a professional letter of reference from the firm under which they completed their apprenticeship, if that firm is already a PCAN network member in good standing.

PCAN For Public Adjusters

For public adjusters, we are able to provide a solution to the #1 problem the industry faces today … quality leads!

With 95% of public adjusters stating the biggest issue they face is connecting with new clients due to lack of knowledge of the public adjusting industry, and the incredible restrictions placed on public adjusters and their ability to market or advertise, PCAN is able to solve that problem.

Through PCAN’s education-focused platform, we are able to educate policyholders on public adjusting and the benefits a public adjuster provides to the policyholder. PCAN does not solicit leads, and is legally compliant. Policyholders request to be contacted by our network members due to the requirements & vetting process PCAN requires to be a member, and stay a member.

PCAN is completely free to policy holders, and does not charge adjuster members a percentage of their fee should a policy holder choose to retain them. Member fees are based purely on the lead, and are not determined by the claim size or amount.

Additionally, PCAN does not have preferred members. After a public adjuster has been accepted into our network, all adjusters are given equal & equitable access to requests by policyholders for contact. Adjusters are able to review the policyholders request, determine if they are a suitable match for that policyholder, and if so, contact them.

All policyholder contact requests are provided on a first come, first served basis. This means that once a policyholder request has been accepted by a PCAN verified public adjuster member, the request is removed from the system.

This means that policyholders are only contacted by one public adjuster per request, and are not bombarded by numerous adjusters. It also means that adjuster members are not competing against each other for the same policyholder request.

This process keeps the process clean, fair, and respectful for all parties involved.

About PCAN Leads:

PCAN generates leads via warm inbound traffic from search engines and other social search platforms through SEO and educational content. Leads generated for the PCAN members are non-solicited, and PCAN is very transparent to both policyholders and member adjusters about how our platform and Network work.

Leads are equally available to all members (within their chosen geographic areas and claim types). For example, a member adjuster in Arizona who specializes in water damage claims will not see leads for Nevada fire damage claims. But all Arizona adjusters who specialize in water damage claims will have equal access to the water damage claim leads (direct requests for contact and consultation from the policy holder).

We do not designate who gets what lead, we do not have “preferred” partners, and we do not offer “partner” discounts or preferments. Additionally, PCAN adjusters are charged on a per-lead basis, only for the specific leads they decide they are a good match for. PCAN does not take a commission from the claim or the adjuster fee. Our leads are not solicitations for or referrals to a specific firm for any client. Our leads are not solicitations for or referrals to a specific firm for any client. PCAN fees are displayed for network members upfront.

Policyholders requesting to be contacted by a PCAN adjuster are doing so because they have found our content, found value in it, viewed our requirements for network membership and realized that not only have we provided the educational content they needed, but have also created a vigorous vetting process to ensure they are only contacted the best public adjusters, with the best reputations and ability to fulfill on their contracts in their specific geographic area.

Based on the value they have found in our platform and network membership requirements, they have decided to trust us with their business, and request to be contacted.

In the spirit of full transparency, we are even including the “business” details of how our business operates and generates revenue right here on our about page for policyholders to view, further demonstrating our dedication to transparency and compliance.

Once PCAN has vetted, verified, and audited a potential member and accepted them into the network, they are given equal access to our backend system. We do not control who claims a lead, and do not direct leads to any particular adjuster.

As part of the application process, all public adjuster members understand that PCAN is not a “just take anything” network. We expect our public adjuster members to respect the policyholders and their fellow adjusters and only take the leads they feel they can serve to the best of their ability. Just because you “can” take a lead doesn’t mean you should. Our network is built on mutual trust and working with your fellow adjusters for one-single-purpose: THE POLICYHOLDER.

If a network member sees a lead, and believes they cannot service that lead to their fullest capability (for example, an already heavy claim load, lack of resources or manpower, etc.), our members are expected to deny that lead so that another adjuster who can service the policyholder to their fullest capability can take it.

PCAN runs random policyholder follow-ups to ensure policyholders are happy with their adjuster and feel their adjuster is providing the stellar service that PCAN members are expected to provide.

Suppose a policyholder is not happy with their PCAN member adjuster. In that case, they may request a different member adjuster, and we will assist the policyholder by providing information on terminating their contract with the adjuster they are not happy with.

Should this occur, it will be counted as a strike against the member adjuster. If a member adjuster receives three (3) or more strikes in a 12-month period, that member adjuster, AND THEIR PARENT FIRM AND ALL OTHER ADJUSTERS OF THAT FIRM, will be banned from the Network.

PCAN requires all adjusters to act professionally, transparently, and with a policyholder-first mentality. If a member adjuster cannot meet these expectations, they do not need to be a network member. The reputation of the few can affect the reputation of the many, and as such, we take membership in the network extremely seriously.

Code Of Conduct & Professional Ethics For All Network Members

The following Rules of Professional Conduct and Ethics are applicable to all members of the Public Claims Adjusters Network. Any member adjusters found in violation of these terms is subject to immediate expulsion & will be permanently banned from the network:

View Code Of Conduct & Professional Ethics

The members shall conduct themselves in a spirit of fairness and justice to their clients, the Insurance Companies, and the public.
Members shall refrain from improper solicitation.
No misrepresentation of any kind shall be made to an assured or to the Insurance Companies.
Commission rates shall be fair and equitable, and strictly in accordance with the prevailing custom in the locality, and must, where laws or regulations of insurance departments exist, comply fully with such laws or regulations.
Members shall conduct themselves so as to command respect and confidence. They shall work in harmony with one another, with their clients, and the Insurance Companies’ representatives, so as to foster a cordial and harmonious relationship with all branches of the insurance business, and with the general public.
Members must be fitted, by knowledge and experience, for the work they undertake. They must not endanger the interests of the public adjusting profession, or risk injustice to assureds or to the Insurance Companies, by attempting to handle losses or claims for which they are not qualified, and for which they cannot find competent technical assistance.
Members shall not engage in the unauthorized practice of law.
Public adjuster members shall not act as a contractor in the mitigation, repair, restoration of, or act as a salvor of damaged property (as related to First Party Property Insurance Losses).
Members shall be cooperative and assist one another in every possible way.
Members shall not disseminate or use any form of agreement, advertising, or any printed matter that is harmful to the profession of public adjusting, or which does not comply with the rules and regulations of the Insurance Department of the state in which such member is professionally engaged, or which might subject public adjusting and public adjusters to criticism or disrespect.
Members will communicate clearly, friendly, and professionally with all policyholders on the status of their claims throughout the process. Members commit to clearly explaining to their clients the claim process and expected timing of claim events, to ensure clients are provided with realistic expectations of the claim process and timing.
Members commit to updating their clients every ten (10) days (or sooner) during the claim process, in order to maintain open lines of communication with the client, and ensure the client’s mental and emotional health during their time of crisis is also made a priority.
Members commit to maintaining all CE requirements & credits (if required) in their respective markets
Last Updated: September 1st, 2024

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