How Much Does a Public Adjuster Cost?

No Upfront Cost

Public adjusters work on a contingency fee basis. That means you pay nothing upfront — the adjuster only gets paid if they successfully recover additional funds on your claim.

How the Fee Works

The fee is typically a percentage of the claim settlement. In Arizona, this percentage is regulated and varies by the complexity and size of the claim. The fee is agreed upon before any work begins and is clearly outlined in a written contract.

What You Get for the Fee

• •Thorough property damage inspection
• •Policy review and coverage analysis
• •Detailed claim documentation and estimate preparation
• •Direct negotiation with your insurance company
• •Supplemental claim filing if needed
• •Ongoing communication and claim management

Is It Worth It?

Studies have shown that claims handled by public adjusters typically result in higher settlements than claims handled by homeowners alone. The increase often significantly exceeds the adjuster's fee.

More importantly, a public adjuster handles the complexity so you don't have to. For homeowners dealing with a stressful loss, having an experienced professional manage the claim can be invaluable.

Free Consultation First

At ADVOIQ, we start with a free 30-minute consultation before anything is signed. We'll review your situation, discuss your concerns, and give you an honest assessment of whether we can add value. If it doesn't make sense to work together, we'll point you in the right direction — no charge, no obligation.