Emergency Adjuster

The South Carolina Department of Insurance coordinates recovery efforts with the state's Adjutant General's Emergency Preparedness Program. If South Carolina incurs damages from a natural disaster requiring the entry of unlicensed non-resident emergency adjusters, the following emergency adjuster procedures must be followed before deploying emergency adjusters into our state.

The director of insurance, pursuant to South Carolina Code Annotated, Regulation 69-1, must first determine that the potential for an emergency situation exists.

Appointment & Application
Once the director of insurance has declared an emergency, insurers may immediately appoint emergency adjusters without them first being authorized by the department. Before appointing emergency adjusters, however, insurers must first utilize licensed resident and non-resident South Carolina adjusters to their fullest extent in handling catastrophe claims.

Insurers are allowed up to 48 hours after an emergency adjuster has been appointed to complete the Emergency Adjuster Appointment Application and file it with the department. The completed application can be faxed or mailed to the department. 
The initial emergency adjuster appointment may not exceed 120 days from the date of the initial appointment. After 120 days has lapsed, insurers must obtain written authorization from the Department of Insurance before an appointed emergency adjuster can continue to adjust South Carolina catastrophe claims.