Public adjuster fee cap by state

“Twenty percent of the amount of insurance claim payments or settlements, exclusive of attorney fees and costs, paid to the insured by the insurer for claims that are not based on events that are the subject of a declaration of a state of emergency by the Governor.”

Source: Fla. Stat. § 626.854(11)(b)(2) (fetched 2026-09-17)

“The total commission received may not exceed 10 percent of the amount of the insurance settlement on the claim.”

Source: Tex. Ins. Code § 4102.104(a) (fetched 2026-09-17)

“A public adjuster may not charge the insured an unreasonable fee, and the total commission received shall not exceed 33.3 percent of the amount of the insurance settlement of the claim.”

Source: O.C.G.A. § 33-23-43.3(a) (fetched current as of March 28, 2024)

“the maximum fees to be charged, which fees shall be reasonably related to services rendered.”

Source: N.J.A.C. 11:1-37.13(b)(3)(ii) (fetched 2026-08-31)

“A public adjuster shall not solicit for or enter into any contract or arrangement between an insured and a public adjuster which provides for payment of a fee to the public adjuster which is contingent upon, or calculated as a percentage of, the amount of any claim or claims paid to or on behalf of an insured by the insurer and any such contract shall be against public policy and is null and void.”

Source: La. R.S. 22:1703(A) (fetched 2026-09-17)

“No public adjuster shall charge a fee in excess of 12.5 percent of the recovery for services rendered by the adjuster, with respect to a claim, except a public adjuster may charge a fee of up to 20 percent on a supplemental claim if the aggregate fee charged is less than or equal to 12.5 percent of the full claim payment.”

Source: 11 NYCRR 25.7(a) (fetched 2026-09-17)

“A public adjuster may only receive compensation, payment, commission, fee or other thing of value of no more than ten percent (10%) of any insurance settlement or the proceeds of any claim investigated.”

Source: 19 Miss. Code R. 1-36.10(A) (fetched 2026-09-17)