Where roles split
- Public adjuster: scope, valuation, documentation, negotiation with the carrier
- Attorney: coverage disputes, litigation, bad-faith claims, statutory-compliance matters
How the fees work
Fees are not double-dipped. The PA fee comes out of the claim recovery; the attorney fee typically comes from a separate statutory or contractual source (fee shifting was narrowed in 2022 but still exists in limited circumstances).
When to bring both in
- Coverage is disputed (carrier says loss is excluded)
- Bad-faith conduct has occurred
- Litigation is likely