Public adjusters charge 10-15% of your settlement—often $3,000 to $15,000. Here's an objective comparison so you can decide what's right for your claim.
On a $75,000 settlement increase, a public adjuster at 12% takes $9,000. That's $9,000 you could keep with the right documentation tools.
Public adjusters are licensed professionals who represent policyholders in insurance claims. They inspect damage, document scope, gather estimates, compare carrier valuations to contractor estimates, and negotiate with the insurance company on your behalf. They typically charge a percentage of the settlement (10-15% in most states).
Fees vary by state. Some states cap public adjuster fees; others do not. Here's what you pay at different settlement levels:
10% fee: $4,000. 15% fee: $6,000
10% fee: $8,000. 15% fee: $12,000
10% fee: $15,000. 15% fee: $22,500
Many public adjusters charge on the entire settlement, not just the increase they secure. If the carrier offered $30,000 and the adjuster negotiates to $75,000, some contracts require 12% of $75,000 ($9,000), not 12% of the $45,000 increase.
Claim Command Pro is a SaaS platform that provides the core tools public adjusters use: line-by-line estimate comparison, professional demand letter templates, documentation checklists, and negotiation guidance. You do the legwork with the same methodologies professionals use.
Compare carrier estimates to contractor estimates line by line to find missing scope and pricing gaps
Demand letters, proof of loss, and supplement requests written to industry standards
Pay once for tools and templates—keep 100% of any settlement increase
Consider a public adjuster when: Your claim exceeds $100,000 and is highly complex, you have no time to gather documentation, or the carrier appears to be acting in bad faith and you want professional representation.
Consider Claim Command Pro when: Your claim is typical residential (roof, water, fire, wind), you're willing to assemble documentation and submit it yourself, and you want to keep the full settlement rather than paying 10-15% to a third party.
Most policyholders who use professional documentation tools recover $15,000-$50,000 more than initial offers—the same range many public adjusters achieve. The difference is you keep all of it.
Get the same documentation tools professionals use—without the 10-15% fee. Most users recover $15,000-$50,000 more.
Start Your Claim ReviewPublic adjusters typically charge 10-15% of your final settlement. On a $50,000 claim, that's $5,000-$7,500. On a $150,000 claim, you pay $15,000-$22,500.
Yes. Most claims can be successfully negotiated with proper documentation: line-by-line estimate comparisons, contractor estimates, market rate proof, and professional demand letters.
Consider a public adjuster for very large or complex claims ($100K+), when you lack time to handle documentation, or when the carrier is acting in bad faith.
Estimate comparison tools, professional demand letter templates, documentation checklists, and negotiation guidance—the same core methodologies. You retain control and keep 100% of any increase.
Some will negotiate, especially on larger claims. Typical ranges are 8-15%. Compare that to fixed-fee tools that cost a fraction.