Guide
Is a Public Adjuster Worth It? The Florida Fee-Cap Math
A public adjuster is worth it when the added recovery beats their capped, contingent fee. Here is the Florida fee-cap math and how to run it.
A public adjuster is worth it when the extra recovery they negotiate is larger than their fee, and in Florida that fee is capped by statute, so the math is knowable up front. Under Fla. Stat. 626.854(11), a public adjuster may charge no more than 20% of the claim payment, and no more than 10% on claims from the first year of a declared state of emergency. The fee is contingent, so if they recover nothing extra, you pay nothing.
How the fee-cap math works
Because the fee comes out of the settlement, the question is whether the public adjuster lifts the payment by more than their percentage. A simple, illustrative example (not a promised result): if a carrier offers $20,000 and a public adjuster negotiates the claim up to $32,000, the statutory 20% fee on that payment is $6,400, and you still come out $5,600 ahead of the original offer, plus a fully documented claim.
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When is it not worth it?
If the carrier has already paid the full, correct amount, there is no gap for a public adjuster to close, so the fee would not be justified. The same is true for a very small claim near your deductible. A free claim review will tell you whether a meaningful gap exists before you commit to anything.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.