Question 1

How much does a public adjuster cost?

Accepted Answer

Our fee is contingent on additional recovery and is set by written contract within statutory limits. Texas: capped at 10% of the amount of insurance settlement on a claim that arises from a Governor-declared catastrophe (Tex. Ins. Code §4102.104); non-catastrophe fees are negotiated by contract. Florida: capped at 10% during the first year following a declared state of emergency, and 20% otherwise (Fla. Stat. §626.854(11)). If we do not recover additional money for you, we charge nothing.

Question 2

Does hiring a public adjuster slow down my claim?

Accepted Answer

No. In most cases it accelerates resolution because the carrier now has a single competent point of contact, complete documentation, and a properly drafted proof of loss. Texas Insurance Code §542 prompt-pay deadlines continue to run while we represent you.

Question 3

Can the carrier blacklist me for hiring a public adjuster?

Accepted Answer

No. Hiring a public adjuster is a statutory right under Tex. Ins. Code Ch. 4102 and Fla. Stat. §626.854. Retaliation by the carrier is prohibited and would be reportable to TDI / OIR.

Question 4

What if I have already started talking to the carrier myself?

Accepted Answer

No problem - many of our clients come to us mid-claim. We pick up the file at whatever stage you are in: pre-inspection, post-estimate, post-denial, or post-supplement. We request the existing claim file and policy documents from the carrier and re-document anything that needs re-documenting.

Question 5

Can you take my case if I am already represented by an attorney?

Accepted Answer

Generally yes, with the attorney's coordination. Attorneys handle the legal claims; we handle the underlying property-damage scope and amount. The two roles are complementary.

Question 6

Do you take small claims, or only catastrophic ones?

Accepted Answer

We take claims of all sizes within our service area, but we are honest about whether representation will pay for itself. For a $30,000+ claim, a denied claim, or any commercial/BI claim, professional representation almost always justifies the contingent fee.

Question 7

How long does the engagement last?

Accepted Answer

Until the claim is resolved - settlement, appraisal award, or referral to counsel. The contract terminates automatically when the loss is closed.

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