When disaster strikes—whether it’s a burst pipe, house fire, or storm damage—the last thing you want to worry about is battling with your insurance company. That’s where public adjusters come in. These licensed professionals work on your behalf, not the insurance company’s, to help ensure your claim is properly handled and you receive a fair payout. But a question we hear often, especially here in Pennsylvania, is: how much does it cost to hire a public adjuster?
Whether you’re dealing with water damage in your basement or a fire that’s left part of your home unlivable, having someone in your corner can make all the difference. Let’s break it all down—simply, clearly, and with your best outcome in mind.
How Much Does It Cost to Hire a Public Adjuster in PA?
So, how much does it cost to hire a public adjuster? Most public adjusters charge a contingency fee, which means their payment is a percentage of the final insurance settlement you receive. In Pennsylvania, that percentage typically ranges from 5% to 20% depending on the complexity and size of the claim.
For example, if your settlement is $40,000 and your public adjuster charges 10%, their fee would be $4,000—only payable once the claim is resolved. This fee structure is often reassuring to homeowners because it means the adjuster is motivated to help you secure the best possible outcome.
In some cases, particularly with high-value claims or commercial properties, fees may be negotiable. It’s also worth noting that public adjusters cannot charge fees that are excessive or unreasonable—this is regulated under Pennsylvania state law to protect consumers like you.
Factors That Influence a Public Adjuster Cost
Several variables can affect how much it costs to hire a public adjuster in Pennsylvania:
- Claim Size: Larger claims often come with slightly lower fee percentages, while smaller claims may be charged at a higher rate due to the time involved.
- Complexity of the Loss: Fire damage or water damage that affects multiple areas of the home often requires more work than a simple roof leak, which can impact cost.
- Documentation Needed: If your claim lacks complete records or requires extensive estimates and photos, expect more involvement—and therefore potentially a higher fee.
- Urgency and Timing: If you bring in a public adjuster late in the process, when mistakes have already been made or deadlines are approaching, additional effort may increase the fee.
Again, if you’re wondering how much does it cost to hire a public adjuster, remember that the rate reflects not just paperwork—but the time, expertise, and negotiation skills it takes to get your claim right.
Is Hiring a Public Adjuster Worth It?
In many cases, the answer is yes—especially if you’re dealing with a significant or complicated loss. Public adjusters are skilled at identifying damage that insurance company adjusters might overlook, properly valuing that damage, and ensuring every covered item is included in the claim.
That added value can often more than make up for the fee you’re paying. Let’s say your insurance company initially offers $25,000, but your public adjuster helps secure $50,000. Even with a 10% fee ($5,000), you come out well ahead.
For homeowners in Pennsylvania, especially in areas affected by seasonal storms or freezing temperatures, the peace of mind that comes from knowing your claim is handled properly is priceless.
Still wondering how much does it cost to hire a public adjuster versus handling the claim yourself? Think of it this way: if it helps you recover faster, avoid legal missteps, and get what you’re owed—it’s not just a cost; it’s a smart investment.
Pennsylvania-Specific Regulations and Averages
In Pennsylvania, public adjusters are licensed by the Pennsylvania Insurance Department, and they are legally required to provide a written contract that clearly outlines their fees. This protects you from surprise charges or unclear expectations.
Most public adjusters in the state fall within the national average of 10% to 15%, but Pennsylvania has unique considerations. For instance, homes in older cities like Philadelphia may involve historical materials, which can add complexity—and adjuster time.
If you live in suburban or rural areas like Bucks, Montgomery, or Chester Counties, regional pricing may be more competitive, but the service quality can vary. That’s why it’s important to hire a licensed, local professional who understands both the landscape and the insurance carriers common in Pennsylvania.
Whether you’re dealing with a pipe burst in Doylestown or storm damage in Newtown, knowing how much does it cost to hire a public adjuster in your region helps you make the right call when it matters most.
Do Insurance Companies Cover the Cost of a Public Adjuster?
One question we often hear in Pennsylvania is whether insurance policies cover the cost of hiring a public adjuster. The short answer is: not usually. Most standard homeowners and commercial insurance policies do not reimburse fees paid to public adjusters.
However, this doesn’t mean you’re at a disadvantage. In fact, hiring a public adjuster can help level the playing field. That advocacy often results in settlements significantly higher than what the insurer originally offered.
So while your policy may not cover the fee directly, the potential increase in your claim amount often makes it a cost-effective decision. If you’re still weighing your options and asking yourself, how much does it cost to hire a public adjuster, the better question may be: what’s the cost of going without one?
When Should You Hire a Public Adjuster?
Timing matters when filing a claim. Hiring a public adjuster right after the damage occurs is ideal because they can document everything accurately before any repairs begin. This ensures that your claim reflects the full extent of the loss—not just what remains visible later.
Here are a few situations where hiring a public adjuster early can make a big difference:
- You’ve experienced major damage from fire, storm, or flood.
- Your insurance company is delaying or underpaying your claim.
- You’re feeling overwhelmed or unsure how to navigate the process.
- Your claim involves multiple structures, contents, or types of loss.
If any of those apply to you, now’s the time to consult an expert. Knowing how much does it cost to hire a public adjuster is important—but knowing when to bring one in can be just as critical.
How Alliance Adjustment Group Supports You
At Alliance Adjustment Group, we believe every policyholder deserves to be treated fairly—and that includes transparency about cost. We don’t get paid unless you do, and we provide a clear, written b agreement before any work begins.
Our team serves homeowners and business owners across Pennsylvania with personalized attention and deep industry knowledge. We’ve helped clients recover from fires, floods, mold, storm damage, and more—and we’ve earned their trust by fighting hard for the settlements they deserved.
If you’re facing property damage and need expert support, reach out to Alliance Adjustment Group today. We offer consultations so you can understand your options—no pressure, no obligation, just honest guidance.
Disclaimer:
The information provided on this website is for general informational purposes only and does not constitute legal advice.
While we strive to provide accurate and up-to-date information, insurance policies and regulations can vary. It is important to consult with your specific insurance provider or a qualified professional for advice tailored to your individual circumstances.