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How much does a Public Adjuster Charge in Florida?

In Florida, the state regulates the fees that a public adjuster can charge. According to Florida law, public adjusters can charge up to 20% of the insurance claim settlement amount for claims related to natural disasters, and up to 10% for non-natural disaster claims.

However, public adjusters and policyholders may also agree to different fees in writing before the public adjuster begins their work. It's important to note that public adjusters should never charge upfront fees, as it's against Florida law.

Additionally, some public adjusters may offer free consultations or work on a contingency basis, where they only get paid if the claim is successful. The best way to determine the exact fee for a public adjuster in Florida is to speak with them directly and ask for their fee structure.

Then, another question would be, do someone has to pay additional fees to public adjusters for any claims that may require extra effort in Florida?

In Florida, public adjusters are not allowed to charge additional fees beyond the percentage permitted by state law to settle insurance claims. This means that if a claim requires extra effort or time to settle, the public adjuster cannot charge additional fees beyond the maximum percentage allowed by law.

However, it's important to note that some public adjusters may try to negotiate a higher fee with their clients before starting work on the claim. This is not allowed under Florida law, and you should be wary of any public adjuster who tries to charge more than the legal limit.

If you have concerns about the fees charged by a public adjuster or believe they may be acting improperly, you can file a complaint with the Florida Department of Financial Services. They will investigate the matter and take appropriate action if necessary.

This law is identical for all the 50 cities under Florida, i.e Maimi, Maimi Beach, Fort Lauderdale & 47 others. It's important to note that while the fees charged by public adjusters are regulated by the state, there may be differences in the quality of services offered by different public adjusters. This is why it's essential to do your research and choose a reputable public adjuster with a good track record and experience in handling claims similar to yours, as I mentioned in my earlier response.

When selecting a public adjuster, it's essential to consider several factors beyond just the fees they charge. Here are some tips to help you select the best public adjuster for your needs:

  • Check their credentials: Make sure the public adjuster is licensed by the state of Florida and has a good reputation. You can verify their license and check for any complaints or disciplinary actions against them by contacting the Florida Department of Financial Services.

  • Look for experience: Choose a public adjuster who has experience in handling claims similar to yours. Ask for references and check their online reviews to understand their track record.

  • Consider their communication skills: You want a public adjuster who is responsive and communicates clearly with you throughout the claims process. Choose someone who is easy to reach and who keeps you informed every step of the way.

  • Review their fee structure: As I mentioned earlier, public adjusters in Florida are regulated by the state and can charge up to a certain percentage of the insurance claim settlement amount. However, you should also consider other factors like whether they charge upfront fees, offer free consultations, or work on a contingency basis.

  • Trust your gut: Finally, trust your instincts when selecting a public adjuster. Choose someone you feel comfortable working with and who you believe has your best interests at heart.

Overall, it's essential to research and compares different public adjusters before making a final decision. By considering the factors above and asking the right questions, you can find a public adjuster like Santospa Public Adjusters who may be the best fit for your needs.

Santospa Public Adjusters appears to take a total five-point client-focused approach to delivering the right results for policyholders. Here are some of the ways we ensure that our clients receive the best possible outcomes for their insurance claims:

  • Thorough analysis: Being reliable Public Adjusters, we conduct a detailed analysis of our client's insurance policies and claims to ensure that they fully understand the policy terms and the scope of the damage. This allows us to provide accurate and informed guidance to our clients.

  • Aggressive negotiation: We are aggressive negotiators and will not settle for less than what our clients are entitled to. We work to maximize our clients' settlements and ensure they receive fair compensation for their losses.

  • Regular updates: Being responsible Public Adjuster, we provide regular updates to our clients on the progress of their claims. This allows our clients to stay informed and engaged in the claims process.

  • Assertive communication: We emphasize the commitment to strong communication with our clients. We ensure that we respond to your calls and emails promptly and keep our clients informed every step of the way.

  • Attention to detail: Santospa Public Adjusters pays close attention to detail in every aspect of the claims process. This ensures that all aspects of the claim are thoroughly addressed and that our clients receive the best possible outcome.

Santospa Public Adjusters have a client-focused approach and a commitment to providing the best possible outcomes for our client's insurance claims.


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