Is hiring a public adjuster worth it on your claim?
Enter your carrier's offer and your contractor's estimate. The calculator shows the gap, the maximum fee at your state's cap, and what you'd net at different recovery levels. Sometimes the answer is no — and that's useful to know before you sign.
Settlement gap$30,000
Max fee in Florida20%
If a PA recovers this much of the gap:
25% → $7,500 recovered+$6,000 net
50% → $15,000 recovered+$12,000 net
100% → $30,000 recovered+$24,000 net
Break-even recovery$6,000 of the $30,000 gap
Maximums, not quotes — many adjusters charge less. Fee basis varies by contract (whole settlement vs. new money). This is arithmetic, not advice. Fee caps by state →