When disaster strikes your home or business, filing an insurance claim can be overwhelming. Between understanding policy details, documenting losses, and negotiating with insurance companies, the process is time-consuming and often frustrating. This is where a public adjuster can be a game-changer. But how much does hiring a public adjuster cost, and is it worth the investment?

At All Service Adjusting in Miami, FL, we help homeowners and business owners maximize their insurance claims. Here’s what you need to know about the cost of hiring a public adjuster and why it can be a smart financial decision.

How Much Does a Public Adjuster Cost?

Public adjusters typically work on a contingency fee basis, meaning they only get paid if you receive a settlement. Their fee is usually a percentage of the insurance payout, typically ranging from 5% to 20% depending on:

• The size and complexity of the claim
• The insurance policy coverage
• State regulations (Florida law caps public adjuster fees at 10% for hurricane-related claims during the first year)



Unlike insurance company adjusters, who are paid to minimize payouts, public adjusters work exclusively for you to secure the highest possible settlement.

Is Hiring a Public Adjuster Worth It?

1. Higher Settlements Than Insurance Company Offers

Studies have shown that policyholders who hire a public adjuster receive significantly higher settlements than those who handle claims on their own. Insurance companies often lowball initial offers, knowing that many property owners lack the expertise to dispute them. A public adjuster:

• Conducts a thorough assessment of damages
• Identifies hidden losses the insurer may overlook
• Uses industry knowledge to negotiate a fair payout

In many cases, the increase in settlement amount far outweighs the adjuster's fee.

2. Saves Time and Reduces Stress

Filing an insurance claim requires extensive paperwork, phone calls, and back-and-forth negotiations with the insurance company. A public adjuster:

• Handles all documentation and claim submissions
• Communicates with the insurance company on your behalf
• Expedites the process to avoid unnecessary delays

This allows homeowners and business owners to focus on repairs and recovery instead of dealing with insurance bureaucracy.

3. Prevents Costly Mistakes

Insurance claims are complex, and even small mistakes can result in delays, denials, or lower payouts. A public adjuster ensures:

• All damages are properly documented
• The claim meets all policy requirements
• The insurance company doesn’t take advantage of loopholes to reduce your settlement

This expertise helps maximize your claim and ensures you get what you're rightfully owed.

4. No Upfront Costs

Since public adjusters work on a contingency basis, you don’t have to pay anything upfront. They only get paid when you do, meaning they are highly motivated to secure the highest possible settlement.

When Should You Hire a Public Adjuster?

Hiring a public adjuster is especially beneficial when:

• Your insurance claim is large or complex (e.g., fire, flood, hurricane damage)
• The insurance company offers a lower settlement than expected
• You feel the claim process is dragging on with unnecessary delays
• Your claim has been partially or fully denied
• You don’t have the time or expertise to handle negotiations

If you’re facing any of these situations, a public adjuster can help you get the compensation you deserve.

Why Choose All Service Adjusting in Miami, FL?

At All Service Adjusting, we have years of experience helping Miami homeowners and businesses recover from property damage. Our team:

• Works exclusively for policyholders, not insurance companies
• Has a proven track record of maximizing settlements
• Handles claims from start to finish, saving you time and stress

If you're dealing with property damage and an insurance claim, hiring a public adjuster could be the best financial decision you make.

Get a Free Consultation Today

Wondering if hiring a public adjuster is worth it for your claim? Contact All Service Adjusting in Miami, FL, today for a free claim evaluation and let us help you maximize your settlement.