A Guide to Public Adjuster Fees and Contracts in Florida

Navigating the process of dealing with insurance claims for property damage can be overwhelming for homeowners. That’s where public adjusters come in – professionals who work on behalf of policyholders to help them get the maximum compensation they deserve. However, understanding the fees and contracts associated with hiring a public adjuster in Florida is crucial for homeowners to make informed decisions. In this blog post, we will guide you through everything you need about public adjuster fees and contracts in Florida, ensuring you know how to protect your rights and interests during the claims process. To learn more about a Public Adjuster and how they can Help You. What is the difference between a Public Adjuster and an Independent Adjuster, and what is the difference between a Public Adjuster and an Attorney? Which One Should You Hire for Your Insurance Claim? Follow the links provided.

The role of public adjusters in insurance claims

Public adjusters are crucial in helping homeowners navigate the complex world of insurance claims. When facing property damage or loss, such as fire, storm, or water damage, a public adjuster can advocate for the homeowner. Unlike insurance company adjusters who work for the insurance company, public adjusters work on behalf of the policyholder to ensure a fair and accurate assessment of the damages. They assess the extent of the loss, document the damages, gather necessary evidence, and negotiate with the insurance company to maximize the claim settlement. Their expertise and knowledge of insurance policies and regulations can significantly benefit homeowners in getting the compensation they deserve. It’s important to note that public adjusters work on a contingency fee basis, meaning they only get paid a percentage of the final settlement. The contingency fee structure ensures that they have a vested interest in securing the best possible outcome for the homeowner.

Public Adjuster Fees in Florida

The State’s Department of Financial Services regulates public adjuster fees in Florida. Public adjusters are allowed to charge a fee of up to 20% of the insurance claim settlement amount for claims related to hurricanes, tropical storms, or other catastrophic events. The State has previously capped the fee for catastrophe claims at 10% within the first year following the catastrophe. Homeowners must understand that Public Adjusters charge fees on new money achieved by the additional money they achieve, not the total claim amount. In addition to their commission, public adjusters may also charge for out-of-pocket expenses incurred during the claims process, such as inspection fees or document fees. The public adjusters should also outline fees in the contract between them and the homeowner. The Public Adjuster should review the contract with the homeowner. Hence, the homeowner understands the terms before signing and asks any questions they may have regarding fees and expenses.


In Florida, public adjusters are regulated and licensed by the Department of Financial Services. When it comes to fees and contracts, there are specific regulations in place to protect homeowners. Public adjusters can charge a fee for their services, typically a percentage of the insurance claim payout. However, this fee can be within certain limits set by the State. It is essential for homeowners to carefully review the fee structure outlined in the contract before signing.

Additionally, the contract should specify the services the public adjuster will provide and any additional incurring costs. Homeowners should also know they can cancel the contract within a specific timeframe if they change their mind or decide to handle the claim themselves. By familiarizing themselves with these regulations, homeowners can make informed decisions when hiring a public adjuster in Florida.

How do you choose a public adjuster in Florida?

Choosing a public adjuster in Florida can be essential to ensure you receive the best representation for your insurance claim. Here are some tips to help you make the right choice:

1. Research and verify credentials: Look for licensed, experienced Public adjusters in Florida handling claims similar to yours. Check if they are members of professional organizations such as the Florida Association of Public Insurance Adjusters.

2. Read reviews and testimonials: Look for reviews and testimonials from previous clients to get a sense of their reputation and the quality of their services. Testimonials can give you an idea of their track record and customer satisfaction.

3. Consider their expertise: Find out if the public adjuster has expertise in handling claims specific to your situation, such as hurricane or water damage. Specialized knowledge can be crucial in maximizing your claim.

4. Understand their fee structure: Discuss the fee structure upfront. Ensure you clearly understand how the Public Adjusters calculate their fees. Florida law limits public adjusters’ fees, so ensure that the costs are fair and reasonable.

5. Evaluate communication and responsiveness: Pay attention to how the public adjuster communicates with you and how responsive they are to your inquiries. Effective communication and responsiveness are critical factors in a successful partnership.

Remember to trust your instincts and choose a public adjuster who makes you feel comfortable and confident in their ability to handle your claim effectively.

For the official regulations regarding Public Adjusters – Public Adjusters (myfloridacfo.com), follow the Florida Department of Financial Services link.

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