When to Hire a Public Adjuster

A public adjuster works for you (not the insurance company) to document and negotiate your claim.

They typically charge 10–15% of the settlement amount.

Public adjusters are most valuable for: large property damage claims ($50,000+), complex claims with disputed coverage, claims where the insurer's initial offer seems low, and situations where you don't have time to manage the claim yourself. Studies show public adjusters often increase settlements by 20–50% on large claims, making their fee worthwhile. They are licensed by state insurance departments..