Most public adjusters charge a percentage of the claim payment. Several states cap that percentage, some only after a declared catastrophe, and in many states the fee can apply to the whole settlement, not just the increase. Read the contract’s fee wording before you sign.
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Most public adjusters charge a percentage of the claim payment. Several states cap that percentage, some only after a declared catastrophe, and in many states the fee can apply to the whole settlement, not just the increase. Read the contract’s fee wording before you sign.
Most charge a percentage of what the insurer pays. Some states also allow flat or hourly fees. Whatever the method, the fee should be written into the contract you sign.
In many states the percentage can apply to the whole settlement, not only the extra money the public adjuster gets you. The Texas Department of Insurance gives this example: the insurer wants to pay $100,000, you dispute $20,000, and the public adjuster could charge $10,000, because the 10% fee can be based on the total. TDI also suggests asking for the fee as a dollar amount instead of a percentage.
Fee caps vary by state. This table covers only states where we read the rule at an official source on October 28, 2026. For any other state, check with your state’s department of insurance.
| State | Fee limit | Official source |
|---|---|---|
| Texas | 10% of the settlement | TDI: Public adjusters; Tex. Ins. Code 4102.104 |
| Kansas | 10% of any settlement; no fee before settlement | K.S.A. 40-5513 (Kansas fee cap) |
| South Carolina | 10% of any settlement; no fee before settlement | S.C. Code Title 38, Chapter 92 (public adjusters) (in force May 19, 2026) |
| Georgia | 33.3% of the settlement | Georgia HB 254 (2021), as signed; Georgia OCI Bulletin 23-EX-1: consumer warning on public adjusters |
| North Carolina | 10%, during a catastrophic incident | N.C. Gen. Stat. 58-33A-60 (fees) |
| Nebraska | Under 10%, for a catastrophic disaster | Neb. Rev. Stat. 44-9218 (fees) |
| New Mexico | 10%, in a catastrophic disaster | 13.4.8 NMAC (New Mexico public adjusters) |
| Oklahoma | 10% including expenses, for governmental entities under the Governmental Tort Claims Act (since Nov 1, 2025) | Oklahoma Insurance Department Bulletin 2025-07 |
| Missouri | No fee cap in the statute; get the percentage in writing | RSMo Chapter 325 (Missouri public adjusters) |
Tennessee, Ohio, Arizona and other states have their own rules that are not summarized here. In Oklahoma, other fee limits may apply after a declared catastrophe; ask the Oklahoma Insurance Department.
Some states bar a percentage fee if the insurer pays or commits in writing to pay the policy limit soon after the loss is reported: within 72 hours in North Carolina (N.C. Gen. Stat. 58-33A-65 (contracts and disclosures)), and within 5 business days in South Carolina (S.C. Code Title 38, Chapter 92 (public adjusters)). If that happens, ask about the rules in your state before agreeing to a percentage.
Our fee varies based on the state, size of loss, and type of loss. We do not charge a fee on your deductible. We explain our fee during a free consultation before you commit to anything. More answers on our FAQ.
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Last checked: October 28, 2026. This is general information, not legal advice.
Usually a percentage of the claim payment. Several states cap it: for example 10% in Texas, Kansas and South Carolina, and 33.3% in Georgia. Some states cap it only after a catastrophe.
In many states it can be on the whole settlement. Texas regulators give an example of a $10,000 fee on a $100,000 payment where only $20,000 was disputed. Read your contract’s fee wording.
No. We do not charge a fee on your deductible.
Talk with a Mission PLC public adjuster about your loss. The consultation is free.
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