How Much Do Public Adjusters Make Per Claim in Florida? (What to Know Before You Hire One)

Introduction

Hiring a public adjuster in Florida can be a smart move when dealing with complex property insurance claims. But many homeowners wonder: How much do public adjusters make per claim in Florida? Understanding how these professionals are compensated is key to making informed financial decisions during the claims process. This article breaks down how much public adjusters earn, how their fees work, and what you should consider before signing a contract.

What Is a Public Adjuster?

A public adjuster is a licensed insurance professional who represents policyholders, not insurance companies. Their job is to help homeowners and business owners get fair settlements for property damage claims. Unlike company adjusters or independent adjusters hired by insurers, public adjusters work on your behalf.

In Florida, they often assist with claims for hurricane damage, water leaks, mold, fire, and other common perils. Because they are experts in policy interpretation and damage valuation, many people choose to hire them after experiencing large or denied losses.

How Public Adjusters Are Paid in Florida

Public adjusters in Florida are typically paid a percentage of the final claim payout. This fee is known as a contingency fee, meaning they only get paid if you receive a settlement.

According to Florida law, the maximum fee a public adjuster can charge is:

• 10% of the claim amount for claims related to declared emergencies (e.g., hurricanes) for the first year after the event.

• 20% of the claim amount for non-emergency claims or claims filed more than a year after a disaster.

For example, if you receive a $50,000 settlement on a standard claim, the public adjuster may earn up to $10,000 if the fee is 20%.

For official regulations, see the Florida Statutes on Public Adjusters.

What Affects a Public Adjuster’s Earnings Per Claim?

Several factors influence how much a public adjuster earns per claim in Florida:

1. Size of the Claim:

Larger claims generally result in higher fees since they are based on a percentage of the payout.

2. Complexity of the Claim:

Complex claims, such as those involving multiple types of damage or disputes with the insurer, may require more work and justify a higher percentage fee.

3. Time and Effort Required:

If a claim is straightforward, it may be settled quickly. But claims that require negotiations, documentation, or legal support can take longer and increase the value of the adjuster's service.

4. Emergency Declarations:

As mentioned, Florida law caps fees at 10% during declared emergencies for the first year, which may limit what adjusters earn in hurricane-related claims.

Are Public Adjuster Fees Worth It?

Many policyholders wonder if paying a public adjuster is worth the cost. The answer often depends on the outcome they help secure. A skilled adjuster may increase your payout significantly, even after deducting their fee. This is especially true if the insurer initially underpaid or denied your claim.

In some cases, hiring a public adjuster can mean the difference between receiving enough money to repair your home or struggling with out-of-pocket expenses.

Can You Negotiate the Fee?

Yes, you can negotiate a public adjuster’s fee. While Florida law sets a cap, it does not require public adjusters to charge the maximum amount. Some may agree to a lower rate, especially if the claim is large or expected to be resolved quickly.

Make sure to get the fee agreement in writing and understand whether the percentage applies to the total claim payout or just the additional amount the adjuster recovers.

How Louis Law Group Can Help

While public adjusters play a vital role in the claims process, legal issues sometimes arise—especially if your claim is denied or delayed. That’s where Louis Law Group steps in. We help Floridians navigate insurance claim disputes and ensure their rights are protected. If you’re unsure whether a public adjuster’s fees are fair or whether you’ve been treated justly by your insurer, we can review your situation and offer guidance.

Whether you're working with a public adjuster or not, having legal support can strengthen your position in negotiations or litigation. Louis Law Group is here to advocate for you when insurance issues become legal battles.

Potential Drawbacks to Consider

While public adjusters can add tremendous value, there are a few potential drawbacks:

• Cost: Paying a percentage of your settlement reduces the amount you receive.

• Scams or Unethical Behavior: Not all public adjusters operate with integrity. Always check for licensing and read reviews.

• Delays: Sometimes involving a third party can slow down the claim resolution process, especially if there are disputes with the insurer.

Frequently Asked Questions

How do I know if a public adjuster’s fee is fair?

Compare fee quotes from different adjusters and review the contract carefully. Make sure the fee aligns with the complexity and size of your claim.

Can I hire both a lawyer and a public adjuster?

Yes, but it’s best to clarify roles early. Lawyers may be needed for legal issues, while adjusters handle claim valuation. In many cases, the two work together.

Do public adjusters help with denied claims?

Yes. Public adjusters can help reopen and fight denied claims. However, if the issue escalates, you may also need legal representation.

What’s the average fee charged by public adjusters in Florida?

Most public adjusters charge between 10% to 20% of the claim amount, depending on when and how the claim is filed.

Are public adjuster fees refundable if I cancel the contract?

Florida law gives you a right to cancel within three business days. After that, refunds depend on the contract terms and work already performed.

Conclusion

Understanding how much public adjusters make per claim in Florida helps you make smart choices when filing insurance claims. While the typical fee ranges from 10% to 20% of the claim amount, the value they provide can be substantial—especially when dealing with complex or underpaid claims.

If you’re unsure about hiring a public adjuster or want to understand your rights under Florida law, Louis Law Group can help. We provide legal support to homeowners who need more than just an adjuster’s help—we ensure fair treatment and fight for what you’re owed.

Have you reviewed your public adjuster contract and fully understood what it means for your insurance claim?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.