Experienced Public Adjusters · Florida property claims
Public Adjuster Earnings, Fees and Professional Roles
There is no single reliable annual income figure for every public adjuster. A firm’s gross fees, an employee’s compensation and an owner’s take-home income are different things.
Reviewed November 3, 2026. General information; the policy, dates and circumstances of your loss matter.
What affects a public adjuster’s earnings?
Workload, experience, employment terms, the time required for each file and business expenses all matter. Gross claim fees do not equal personal income. A large loss can also require substantial investigation, specialist documentation and a lengthy claim process. This page does not offer a salary guarantee or advertise an available position.
What a property owner should ask about fees
Review the written public adjusting agreement before signing. Ask which services are included, how compensation is calculated, how previous payments are treated and whether separately authorized expenses may arise. Florida regulates public adjuster compensation and contracts; the maximum permitted percentage is not an automatic charge in every case. Read section 626.854.
Our initial claim conversation is free. Representation is a separate service governed by a written agreement. The size or value of a home alone does not establish coverage, the value of the damage or the appropriate fee.
A public adjuster and an attorney do different work
When engaged, a public adjuster helps document and present the property claim, including supported differences in estimates and valuation. A public adjuster may not give legal advice. A Florida attorney advises on legal disputes, litigation, releases and disputed deadlines. Choose the professional assistance the issue requires; one role does not replace the other.
Older attorney-fee statements need care
Florida’s December 2022 SB 2-A changed the former one-way attorney-fee framework for property insurance litigation. It is inaccurate to say that an insurer always pays the policyholder’s attorney simply because an additional dollar is recovered, or that attorneys therefore lack an incentive to represent clients properly. Applicable policy dates, law, fee agreements and the procedural history matter. Ask an attorney to explain the potential fees, costs and any available fee recovery for the actual dispute. Read the Senate’s historical reform summary.
Florida licensing guide · Check an adjuster’s license · Property claim services.
Start with a clear next step.
Tell us where the property is, what happened and where the claim stands. Luxury homes and complex losses are our focus; all property owners are welcome to ask whether we can help.
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(888) 881-8416
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Do not delay emergency assistance, reasonable mitigation or required notice while awaiting a consultation. Public adjusting representation requires a separate written agreement describing services and fees.
David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters, LLC: firm license W807213. We are not a law firm and do not guarantee coverage or a settlement result.