Free tool · Sugar Land Public Adjuster
Public Adjuster Fee Calculator
Texas caps public adjuster fees at 10% of the settlement. See your fee, your net recovery, and the break-even point before you hire anyone.
How public adjuster fees work in Texas
Public adjusters are licensed by the Texas Department of Insurance and are paid a contingency fee—a percentage of what the insurer pays on the claim. By law that fee cannot exceed 10% of the settlement. You owe nothing upfront and nothing if there is no recovery.
The math only works if representation increases the settlement by more than the fee. That is why we review the claim for free first. Read the full breakdown in How Much Does a Public Adjuster Cost in Texas?
Frequently asked questions
What is the maximum public adjuster fee in Texas?
Texas law caps a public adjuster’s compensation at 10% of the amount of the insurance settlement on the claim (Texas Insurance Code §4102.104). There are no upfront fees—the fee comes out of the recovery.
Does the fee apply to money the insurer already offered?
That depends on the contract you sign, so ask before you sign. Some adjusters charge only on the amount above the offer already on the table when they are hired. Use the “fee basis” setting to compare both.
When is hiring a public adjuster not worth it?
If the damage is barely above your deductible, or the insurer’s offer already matches a reliable contractor estimate, the fee may outweigh the benefit. We will tell you honestly if that is your situation.
These tools give planning estimates only. They are not legal advice, an appraisal or a guarantee of what any insurer will pay. Your policy language controls. For a free review of your actual claim, call or text +1 (832) 503-5866.
Property damage? The clock is already ticking.
Start with a free consultation and protect your claim before mistakes cost you money.