How much does a public adjuster cost?
No upfront fees, ever. Public adjusters are paid on contingency: the fee comes out of what they recover for you, and only if they recover.
What does a public adjuster charge?
Public adjusters work on contingency: there's no upfront cost, and the fee comes out of what they actually recover for you, only after the carrier pays. If nothing is recovered, no fee is owed. The fee for your claim is set out in the written contingency agreement you review before signing.
Contingency, not hourly: you pay from the recovery
A public adjuster's fee is contingency-based. You pay nothing to start, nothing for the inspection, and nothing during the claim. The fee comes out of what the adjuster recovers for you, and only after the carrier pays. That structure aligns the adjuster's incentive with yours: a bigger, fairer settlement is the only way the fee is earned.
No upfront or hourly charges
Public adjusters are state-licensed and regulated: in Florida under Fla. Stat. § 626.854, and in South Carolina under the South Carolina Department of Insurance (S.C. Code Ann. Title 38, Chapter 92). Their fees are contingency-based: paid only from amounts recovered after the contract is signed, with no upfront or hourly charges.
This is general information, not legal advice. The exact fee for your claim and how it applies are set out in your written contingency agreement, which we review with you before you sign.
No recovery, no fee, and a right to cancel
Two consumer protections are worth knowing. First, because the fee is contingency-based, if we don't recover money for you, you don't owe a fee. Second, you have the right to cancel a public adjuster contract without penalty within a short window after signing: 10 days in Florida (30 days during a declared state of emergency) and five business days in South Carolina. You're never locked in.
When a public adjuster is worth the fee
The honest answer: it depends on the claim. A public adjuster earns the fee when a complete, properly documented scope recovers materially more than the carrier's first offer, enough to leave you ahead even after the contingency fee. That's most common on larger, complex, denied, or underpaid losses, where the gap between a first offer and what the policy owes is widest.
On a small claim that was already paid in full, it may not be worth it, and we'll tell you so. Because there's no upfront cost and a short cancellation window after signing, a free review is a low-risk way to find out where your claim stands.
Results vary by claim; past results do not guarantee future outcomes.
Keep reading
Was your claim denied or underpaid? See denied-claim recovery and supplement claims. Or browse frequently asked questions about the claims process.
Public adjuster cost FAQ
Find out what your claim is really worth.
Free review, no upfront fees, and a right to cancel after signing. No risk to see where you stand.