Public adjuster fee calculator

How public adjuster fees work in Texas

Public adjusters are licensed by the Texas Department of Insurance under Insurance Code Chapter 4102. Section 4102.104 lets a license holder be paid by the hour, by flat rate, by a percentage of what the insurer pays, or another method — but the total commission may not exceed 10 percent of the amount of the insurance settlement on the claim.

• The 72-hour policy-limits exception. If, within 72 hours after the loss is reported, the insurer pays or commits in writing to pay the policy limit under §862.053 (total loss of real property by fire), a percentage fee isn’t allowed; the adjuster is limited to reasonable compensation for time and expenses.
• You stay on the check. Every claim payment must name the insured as a payee and require the insured’s endorsement; a public adjuster may not endorse a check on your behalf (§4102.104(c)–(e)).
• No repair work. A public adjuster may not take part in repairing the property on a claim they adjust or take money from contractors who get that work (§4102.158).

Enforce Interest’s fee is contingency-based and within the statutory cap; the review is free and there is no fee if nothing is recovered. Ask any adjuster for the fee in writing before you sign.