Public Adjuster – What Does it Cost

Understanding How Public Adjusters Charge for Their Services

Public adjusters use different fee structures depending on their business model and state regulations. Before hiring a public adjuster, we recommend contacting your state’s Department of Insurance to understand any fee regulations in your area.

• • Contingency Fee – By far this is the most common way that a Public Adjuster charges. Public Adjusters typically charge a percentage based on the settlement amount they recover for you, usually between 5% and 15%. The key benefit: if they don’t secure a recovery, you don’t pay a fee. This structure aligns the adjuster’s interests with yours—they only get paid when you do.
  • Hourly Rate – Some public adjusters charge by the hour, though this is less typical because claim resolution timelines can be unpredictable. What might initially seem straightforward can become complex once a claim is opened or reopened. Rates vary based on:
    • Type of loss
    • Location of the property
    • Insurance policy details
    • The adjuster’s experience level
  • Flat Fee – This approach is uncommon but might be used for specific scenarios, particularly very large losses with straightforward claim processes. The adjuster quotes a single price for handling the entire claim regardless of how long it takes.

Need Professional Public Adjuster Services?

If you’re facing property damage in Pennsylvania, Ohio, West Virginia, or Maryland, our experienced team at Stephen Hnat & Associates can help. We specialize in both residential and commercial claims.

How we deliver value:

• • Maximize your insurance settlement
  • Speed up the restoration process
  • Reduce your stress and frustration

Contact Us Today

Don’t navigate the claims process alone. Reach out now to discuss how our public adjusters can advocate for your best interests.