Public Adjuster Fee Calculator
Estimate the fee a public adjuster will charge to negotiate your insurance claim on your behalf. Fees are typically a percentage of the final claim settlement.
Typical range: 5%–20%. Some states cap this rate (e.g., Florida caps at 20% for non-catastrophe, 10% for catastrophe claims).
If your state imposes a maximum fee cap, enter it here. The calculator will apply it automatically.
Some adjusters charge only on the additional amount recovered above what the insurer already paid.
Formulas Used
1. Effective Fee Rate:
Effective Rate = min(Entered Rate, State Cap) — the state cap is applied if it is lower than the entered rate.
2. Fee Base:
Fee Base (Total) = Claim Settlement Amount
Fee Base (Additional Recovery) = Claim Settlement − Prior Insurance Payout
3. Adjuster Fee:
Adjuster Fee = Fee Base × (Effective Rate ÷ 100)
4. Net Payout to Policyholder:
Net Payout = Total Claim Settlement − Adjuster Fee
5. Fee as % of Total Claim:
Fee % of Total = (Adjuster Fee ÷ Total Claim Settlement) × 100
Assumptions & References
- Public adjusters are licensed professionals who negotiate insurance claims on behalf of policyholders in exchange for a percentage of the settlement.
- Typical fee rates range from 5% to 20% of the total claim settlement, depending on claim complexity, state, and adjuster experience.
- Florida (Fla. Stat. § 626.854): caps fees at 20% for standard claims and 10% for claims filed during a declared state of emergency (catastrophe claims).
- Texas (Tex. Ins. Code § 4102): caps public adjuster fees at 10% of the claim payment.
- New York (N.Y. Ins. Law § 2108): caps fees at 12.5% of the loss payment.
- California: no statutory cap, but fees are regulated and must be disclosed in writing per Cal. Ins. Code § 15027.
- Some adjusters charge only on the additional recovery above what the insurer initially offered — this calculator supports both billing methods.
- This calculator provides an estimate only. Actual fees depend on the signed contract between the policyholder and the public adjuster.
- Always verify your state's current regulations with your state Department of Insurance before signing any agreement.
- References: NAPIA (National Association of Public Insurance Adjusters) — napia.com; NAIC Consumer Guide to Public Adjusters.