How Much Do Public Adjusters Make Per Claim in Texas? (What Homeowners Should Know)

Introduction

When your property is damaged and you file an insurance claim, it can be overwhelming to deal with your insurance company alone. That’s why many Texas homeowners turn to public adjusters. These professionals negotiate with your insurer on your behalf to help you get a fair settlement. But before hiring one, it’s important to understand how they’re paid. So, how much do public adjusters make per claim in Texas?

In this guide, we’ll break down what public adjusters typically charge, how their fees work, and what factors influence how much they make. We’ll also cover what to watch out for and how to protect your interests during the claims process.

What Does a Public Adjuster Do?

A public adjuster is a licensed professional who helps policyholders file and negotiate insurance claims. Unlike insurance company adjusters—who work for the insurer—a public adjuster works for you, the policyholder. They assess damage, gather documentation, interpret your insurance policy, and negotiate with your insurer for a better settlement.

This can be especially valuable after storms, fires, pipe leaks, or other major property damage events in Texas, where claims can get complicated fast.

How Public Adjusters Are Paid in Texas

In Texas, public adjusters are typically paid on a contingency fee basis. This means they only get paid if you receive a settlement. Their fee is usually a percentage of the final payout amount.

The most common fee structure is:

• 10% to 20% of the total claim settlement, depending on the size and complexity of the claim.

Let’s say your insurance claim settles for $40,000, and your public adjuster charges 15%. That would be a $6,000 fee.

This system incentivizes the public adjuster to get you a higher settlement because their pay increases with the payout.

For more on Texas public adjuster regulations, see the Texas Department of Insurance.

Texas Law on Public Adjuster Fees

Unlike some states that cap public adjuster fees by law, Texas does not impose a strict percentage limit. However, adjusters must disclose their fee percentage in a written contract signed before they begin work.

To protect consumers, the law requires that:

• Public adjusters in Texas must be licensed by the Texas Department of Insurance.

• The contract must clearly explain fee amounts and payment terms.

• You have the right to cancel the contract within 72 hours without penalty.

Make sure you always review and understand the contract before signing. You can verify a license at the TDI License Lookup Tool.

Factors That Influence How Much a Public Adjuster Makes in Texas

The earnings of a public adjuster on any given claim depend on several key factors:

1. Claim Size:

The larger the claim amount, the more the adjuster earns. A 10% fee on a $100,000 claim is significantly more than 10% of a $10,000 claim.

2. Claim Complexity:

If the claim involves multiple types of damage (e.g., water + mold + fire), more work is needed, which may justify a higher fee.

3. Claim Disputes:

If your insurer denies or underpays a claim, the public adjuster might need to negotiate harder or appeal decisions, adding to their workload.

4. Emergency Situations:

In some disaster situations, demand for adjusters rises, and some may charge higher fees. But transparency is required in all cases.

Is Hiring a Public Adjuster in Texas Worth the Cost?

Whether hiring a public adjuster is “worth it” depends on how much they improve your claim outcome.

Pros:

• They know insurance policies inside and out.

• They handle the paperwork and negotiation for you.

• They may secure significantly higher settlements than you could on your own.

Cons:

• Their fee reduces your final payout.

• Not every adjuster is equally skilled—results vary.

• There’s no guarantee of success.

In many cases, the payout difference makes their fee worthwhile. But always weigh the cost-benefit and vet your adjuster’s experience.

Can You Negotiate the Adjuster’s Fee?

Yes, you can negotiate the fee. Most public adjusters will consider a lower percentage, especially for larger claims. Don’t hesitate to ask for a written quote from several adjusters before choosing one.

Also, be cautious of anyone charging more than 20%, as this could be excessive—even if technically allowed under Texas law.

How Louis Law Group Can Help

While public adjusters are helpful in many situations, there are times when legal support is needed—especially if your claim is wrongfully denied or delayed.

That’s where Louis Law Group comes in. Our team helps Texas homeowners resolve complex insurance disputes and ensures your rights are protected. We review claim documentation, help you understand your options, and pursue legal action when necessary.

Whether you’re dealing with a denied claim or feel a public adjuster isn’t acting in your best interest, we’re here to support you. Our experience with Texas insurance law helps you avoid common pitfalls and reach the compensation you deserve.

Warning Signs to Watch For Public Adjuster in Texas

Not all public adjusters are created equal. Here are a few red flags:

• No license: Always verify credentials with the TDI License Lookup Tool.

• No written contract: Never agree to services without a signed agreement.

• High-pressure tactics: Reputable professionals don’t force you into quick decisions.

• Unclear fee terms: Always know how much they’ll charge and when they’ll be paid.

Protect yourself by doing your research and asking questions before hiring.

Frequently Asked Questions

How much do public adjusters typically charge in Texas?

Most charge between 10% and 20% of the total claim settlement, depending on complexity and amount recovered.

Can a public adjuster help with a denied claim?

Yes. They can review your claim, find errors, and request a reopening or appeal. However, if legal issues arise, you may need an attorney’s help.

Are public adjuster fees negotiable in Texas?

Yes. Texas law allows for flexible fee agreements. Always get multiple quotes and ensure all terms are in writing.

How do I find a licensed public adjuster in Texas?

Use the TDI License Lookup Tool to verify licenses before hiring.

Can I cancel a public adjuster contract?

Yes. Texas law gives you 72 hours to cancel after signing without penalty.

Conclusion

Public adjusters in Texas usually earn between 10% and 20% of your insurance claim settlement. While they can provide valuable support during a complex claim, it’s essential to understand their fee structure and ensure you’re working with a qualified, ethical professional.

If you’re navigating a difficult claim or need legal support in addition to adjuster help, Louis Law Group is here to guide you. We’ve helped Texas policyholders protect their rights and pursue fair settlements when insurers fall short.

Have you reviewed your public adjuster’s contract and fully understood how their fee impacts your final settlement?

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.