Public Adjuster Fee Calculator

ANA›Life Services Authority›National Calculator Authority›Public Adjuster Fee Calculator

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Public Adjuster Fee Calculator

Estimate the fee a public adjuster will charge to negotiate your insurance claim on your behalf. Fees are typically a percentage of the final claim settlement.

Total Claim Settlement Amount ($)

Public Adjuster Fee Rate (%)

Typical range: 5%–20%. Some states cap this rate (e.g., Florida caps at 20% for non-catastrophe, 10% for catastrophe claims).

State Fee Cap (%) (optional)

If your state imposes a maximum fee cap, enter it here. The calculator will apply it automatically.

Prior Insurance Payout Already Received ($) (optional)

Some adjusters charge only on the additional amount recovered above what the insurer already paid.

Fee Basis

Total settlement amount Additional recovery only (settlement minus prior payout)

Calculate Fee

function pubCalc() { var resultDiv = document.getElementById('pub-result'); resultDiv.style.display = 'none'; resultDiv.innerHTML = '';

var claimAmount = parseFloat(document.getElementById('pub-claim-amount').value); var feePct = parseFloat(document.getElementById('pub-fee-pct').value); var stateCap = parseFloat(document.getElementById('pub-state-cap').value); var existingPayout= parseFloat(document.getElementById('pub-existing-payout').value) || 0; var feeBasis = document.getElementById('pub-fee-basis').value;

// --- Validation --- var errors = []; if (isNaN(claimAmount) || claimAmount 50) errors.push('Please enter a fee rate between 0.1% and 50%.'); if (!isNaN(stateCap) && stateCap 50) errors.push('State fee cap seems unusually high (>50%). Please verify.'); if (existingPayout = claimAmount && !isNaN(claimAmount)) errors.push('Prior payout cannot equal or exceed the total settlement when using "additional recovery" basis.');

if (errors.length > 0) { resultDiv.style.display = 'block'; resultDiv.innerHTML = '' + errors.map(function(e){ return ''; }).join('') + ''; return; }

// --- Core Calculation ---

// Step 1: Determine effective fee rate (apply state cap if provided) var effectiveRate = feePct; var capApplied = false; if (!isNaN(stateCap) && stateCap > 0 && feePct > stateCap) { effectiveRate = stateCap; capApplied = true; }

// Step 2: Determine the base amount the fee is applied to var feeBase; if (feeBasis === 'additional') { feeBase = claimAmount - existingPayout; } else { feeBase = claimAmount; }

// Step 3: Calculate adjuster fee // Fee = feeBase × (effectiveRate / 100) var adjusterFee = feeBase * (effectiveRate / 100);

// Step 4: Net payout to policyholder var netPayout = claimAmount - adjusterFee;

// Step 5: Effective fee as % of total claim (for transparency) var effectiveFeeOfTotal = (adjusterFee / claimAmount) * 100;

// --- Format helpers --- function fmt(n) { return '$' + n.toFixed(2).replace(/\B(?=(\d{3})+(?!\d))/g, ','); } function fmtPct(n) { return n.toFixed(2) + '%'; }

// --- Build output ---
var capNote = capApplied
? 'State Cap Applied' + fmtPct(stateCap) + ' (your entered rate of ' + fmtPct(feePct) + ' was reduced)'
'';
var basisNote = feeBasis === 'additional'
? 'Fee Base (Additional Recovery)' + fmt(feeBase) + ' (' + fmt(claimAmount) + ' − ' + fmt(existingPayout) + ')'
'Fee Base (Total Settlement)' + fmt(feeBase) + '';

var html = '### ✓ Public Adjuster Fee Estimate ' + '' + 'Total Claim Settlement' + fmt(claimAmount) + '' + (existingPayout > 0 ? 'Prior Insurance Payout' + fmt(existingPayout) + '' : '') + basisNote + 'Entered Fee Rate' + fmtPct(feePct) + '' + capNote + 'Effective Fee Rate Applied' + fmtPct(effectiveRate) + '' + 'Estimated Adjuster Fee' + fmt(adjusterFee) + '' + 'Fee as % of Total Claim' + fmtPct(effectiveFeeOfTotal) + '' + 'Net Payout to You' + fmt(netPayout) + '' + '';

// Tiered context note var contextNote = ''; if (effectiveRate

#### Formulas Used

1. Effective Fee Rate: Effective Rate = min(Entered Rate, State Cap) — the state cap is applied if it is lower than the entered rate.

2. Fee Base: Fee Base (Total) = Claim Settlement Amount Fee Base (Additional Recovery) = Claim Settlement − Prior Insurance Payout

3. Adjuster Fee: Adjuster Fee = Fee Base × (Effective Rate ÷ 100)

4. Net Payout to Policyholder: Net Payout = Total Claim Settlement − Adjuster Fee

5. Fee as % of Total Claim: Fee % of Total = (Adjuster Fee ÷ Total Claim Settlement) × 100

#### Assumptions & References

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References

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