Partner with Dependable Claims Specialists

How Public Adjusters and Contractors Work Together

Public insurance adjusters and restoration contractors play distinct, complementary roles on a property loss. The public adjuster represents the policyholder in measuring, valuing, and negotiating the claim with the insurance carrier. The contractor performs the physical mitigation, repair, or reconstruction work the policyholder hires them to do. Each is independent, paid by the policyholder out of the insurance proceeds for the work each one performs, and accountable to the policyholder — not to each other.

Texas Insurance Code Chapter 4102 and Florida Statute §626.854 together with Florida Administrative Code 69B-220 set out clear boundaries for this relationship. A public adjuster may not split fees with a contractor, may not pay or receive referral compensation tied to claim work, and may not solicit policyholders on behalf of a contractor. Conversely, contractors should not adjust insurance claims, draft proofs of loss, or negotiate the amount of loss — those activities require a public adjuster license. Our professional partnerships are limited to legitimate, transparent collaboration on the policyholder's behalf, with the policyholder remaining the principal at all times.

For contractors who serve insurance-related work, knowing how a properly-documented Xactimate scope is built — and matching their estimate methodology to the carrier's region price list, rebuild specifications, and code-upgrade requirements — usually leads to faster, cleaner project payment. We are happy to share that knowledge with the trades we encounter on claims, even outside any formal network relationship.