10/15/2025
Subject: Do Public Adjusters Really Get Better Results? Here's What the Data Says
If you're dealing with a property insurance claim, one of the biggest decisions you'll face is whether to handle it on your own—or hire a licensed Public Adjuster (PA) to represent you. Understandably, many policyholders wonder: "Is it really worth it?"
The short answer? Yes. On average, policyholders who hire a Public Adjuster receive significantly higher settlements—even after accounting for the adjuster's fee.
Here's What the Numbers Show:
• A study by Florida’s Office of Program Policy Analysis & Government Accountability (OPPAGA) found that policyholders who hired a public adjuster received, on average, 574% more on non-catastrophe claims and 747% more on catastrophe claims than those who did not.
• Nationwide data and case studies from states like California indicate that settlements can be two to three times higher with PA involvement.
• Even for smaller or simpler claims, public adjusters often increase settlement amounts by 20% to 40%.
These results are due to one key factor: a Public Adjuster works for you—not the insurance company. We’re licensed professionals trained to understand policy language, assess damage accurately, and negotiate for the maximum amount you’re owed.
Why Public Adjusters Typically Get Better Results:
• Expert Damage Documentation: We identify and include damage that’s often overlooked by insurance company adjusters or untrained contractors.
• Detailed Estimates: PAs write their own, thorough line-item estimates using industry-standard software like Xactimate—so nothing is missed.
• Strong Policy Knowledge: We understand what your policy actually covers and ensure no part of your coverage is left on the table.
• Professional Negotiation: Public Adjusters negotiate every day. We know the tactics used by insurers and how to push back effectively.
• Time Savings & Less Stress: We handle the paperwork, inspections, and communication—so you can focus on getting back to normal.
What to Keep in Mind
While Public Adjusters typically work on a contingency fee basis (a percentage of your final settlement), most clients still end up with more money in their pocket than if they had handled the claim alone. However, not all PAs operate the same—so it’s important to choose one who writes their own estimates and is hands-on throughout the process.
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In Conclusion
If you're facing a property loss, don’t leave your settlement to chance. A licensed, experienced Public Adjuster can help ensure your claim is fully documented, professionally negotiated, and maximized under your policy. In most cases, the results speak for themselves.
If you’d like to discuss your situation or learn more about how we work, I’d be happy to offer a free consultation.
