How much does a public adjuster charge in Florida?

Florida public adjuster fees are contingency-based and capped by Florida Statute 626.854, with a separate reduced cap for claims arising from declared emergencies (such as hurricanes) during the first year after the declaration. You pay nothing up front, and nothing if there is no recovery.

How fees are structured

Under Fla. Stat. 626.854:

A statutory cap applies to all Florida public adjuster fees
A separate, lower cap applies to claims arising from declared emergencies during the first year after the declaration
The fee cannot be increased because of litigation
A written contract is required, with the fee disclosed in advance
You have a 10-day right to cancel after signing, without penalty

What a "declared emergency" means

When the President or Governor of Florida declares an emergency (most commonly for hurricanes), the lower statutory cap applies to all claims arising from that event for one year after the declaration. Recent examples include Hurricane Ian (2022), Hurricane Idalia (2023), Hurricane Helene (2024), and Hurricane Milton (2024).

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How fees are calculated

Fees are calculated on the recovery amount: the dollar figure the carrier pays. If no money is recovered, no fee is owed. You pay nothing up front. You pay nothing out of pocket.

What we'll tell you up front

Before you sign anything, we will explain the specific fee that applies to your claim and put it in writing. The fee always sits within the statutory cap.

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What you don't pay

No up-front retainer
No hourly fees
No out-of-pocket expenses
No charge for the free initial claim review