Do I need a public adjuster?
Six questions. You get a straight answer and the reasons for it. We do not earn anything from which way it comes out.
How the quiz decides
It weighs the things that change whether a percentage fee pays for itself: the size of the claim, the gap between the insurer's number and the repair cost, how complicated the loss is, and how much of the work you can do. It is a rule of thumb written by this site, not a legal or financial opinion.
Whatever the result, two steps are free: ask the insurer in writing to explain its figure, and look up your state's rules.
Other free tools
Is my insurer taking too long?
See the deadlines your state sets for your insurer, and how many days have passed.
Check the clock Fee CalculatorIs a public adjuster worth the fee?
Work out how much a public adjuster would have to add before you come out ahead.
Run the numbers Contract CheckWhat must the contract say?
A checklist of what your state says a public adjuster contract must contain.
Check a contract