Contractors in the Mountain West often encounter property owners struggling with insurance claims after fire, storm, or water damage. While it may feel natural to step in and assist with the claims process, crossing into insurance advocacy without a public adjusting license can put both contractors and clients at serious risk.

This guide explains the clear legal boundaries between licensed contractors and public adjusters, outlining what contractors can and cannot do during an insurance claim. From state-specific licensing rules in Montana, Idaho, and Utah to the gray areas that often cause trouble, you’ll learn how to stay compliant while still supporting policyholders.

By focusing on construction expertise, providing accurate damage assessments, and collaborating with licensed public adjusters when needed, contractors can protect their businesses and ensure clients receive fair claim outcomes and quality repairs.