It is generally accepted that public adjusters charge between 10% and 20% of the total settlement of an insurance claim, depending on the size of the claim. However, it is important to be aware of potential scams and to ensure that the public adjuster you hire is honest and competent. The compensation for a public adjuster can range from 3% to 30% of the total insurance settlement, depending on the size of the claim. If you are looking for a public adjuster, you can contact a state organization such as the California Association of Public Insurance Adjusters, the Florida Association of Public Insurance Adjusters, or the Texas Association of Public Insurance Adjusters.
Allclaims Pro Public Adjusting can also provide assistance with filing an insurance claim or managing the claims process. Public adjusters review each case individually to determine how much time and resources they should dedicate to it. Your insurance company will also send its own appraiser, but you can also hire a public insurance appraiser to assess the loss of property on your behalf and help you file insurance claims. A public adjuster can help you with the claims process and ensure that your payment is fair and accurately reflects the damages and your coverage.
They can also point out money in claims that you may not have been aware of. It is important to remember that landlords are not usually experts in insurance, so hiring a public adjuster may be necessary. On average, a public adjuster will charge fees equivalent to 10% of the claim payment. They must be licensed in each state in which they practice their profession and must participate in continuing education courses to retain their license.
A public adjuster typically handles the entirety of a claim on behalf of their clients, including communication with the insurer, but some policyholders may want to participate in some measure. When deciding whether or not to hire a public adjuster, consider the amount of damages and your specific situation with respect to trust needed to process the claim independently. A public adjuster can help reopen a claim with the insurer and file a supplementary claim for additional payments. They can also file and negotiate claims for damage caused by floods, fires, smoke, wind and hurricanes, as well as for damage caused by other hazards and even for loss of business income if caused by property damage. Unlike an insurance company's appraiser, a public adjuster advocates exclusively for the insured.
The National Association of Public Insurance Adjusters (NAPIA) has an online directory of public adjusters, although membership does not guarantee that someone is qualified or licensed for your claim.
