top of page
  • Writer's pictureMaria Shalack

Understanding Adjuster Fees: How Much Does a Public Adjuster Charge in Florida?


How Much Does a Public Adjuster Charge?
How Much Does a Public Adjuster Charge?


Navigating the complex world of insurance claims can be daunting, especially following significant property damage due to unforeseen circumstances. This is where the invaluable services of a public adjuster come in. If you're in Florida, you might be wondering, How much does a public adjuster charge? To simplify the intricacies of this topic, let's dive right into the specifics of what you can expect.


A professional public adjuster plays an essential role in processing insurance claims, providing professional services to help policyholders recover their entitled compensation from insurance companies. The Florida Department of Financial Services (DFS) regulates the fees charged by public adjusters to maintain transparency and protect the policyholder's interest.


For claims under a State of Emergency, such as hurricanes or major catastrophes (such as Hurricane Ian claims), public adjusters charge 10% of the recovery, but only for the first year following the event date. This is a beneficial provision for those affected by such emergencies, given the large-scale damage they often cause and the large deductibles applied during a hurricane.


However, the question, "How much does a public adjuster charge in Florida?" gets a different answer after the first year. Beyond the initial year after (1yr from the declaration of a state of emergency), the fee rises to 20% of the recovered amount.


For other claims, such as those related to mold and water damage, fire incidents, burglary, or lightning strikes, Florida Public Adjusters can charge 20% of the recovery amount. If the Public Adjuster signs the client after a payment has been made, the 20% applies above the amount the insurance already paid. This fee structure gives policyholders the advantage of only paying the public adjuster once they have received their insurance payout.


It's important to note that, in Florida, public adjusters must disclose their fee structure upfront in the agreement with the policyholder. They are required to furnish a copy of the agreement to the insurance company. What this means is that they can only collect their fees after the payment is issued by the insurance company, ensuring a level of protection for policyholders.


Furthermore, in Florida, a public adjuster must be licensed and bonded, reinforcing the level of professionalism and protection for the clients they serve. The DFS plays a vital role in regulating these aspects, making sure that you, the policyholder, are adequately protected and represented.


Certainly, understanding the fee structure of public adjusters in Florida is essential, as it directly impacts the recovery of your insurance claim. But, the benefits of hiring a public adjuster extend far beyond their cost. It is well-known that Public Adjusters get more money on the claim because of their expertise in policy language, construction materials, and estimating. Curious to know more about these benefits? We invite you to explore our comprehensive guide, "Benefits of Hiring a Public Adjuster for Your Insurance Claim." This informative resource delves deeper into public adjusters' vital role and how they can help maximize your insurance claim's outcome. Navigate the complex world of insurance claims with confidence. Visit our page today and make an informed decision about your next steps.


A&H Public Adjusters Corp

Our team at A&H Public Adjusters Corp understands that every claim is unique and has its own set of challenges. Our licensed Florida public adjusters are committed to providing personalized support to alleviate the stress of the claims process, ensuring that you receive a fair settlement for your property damage. Learn more about the advantages of working with our public adjusters by scheduling a free consultation with our experts.


93 views

Recent Posts

See All
bottom of page