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Texas Department of Insurance
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Public adjusters: What to know before you hire one to help with your claim


Hiring a public adjuster is one of your options if your homeowners claim is denied or you think your insurance company should pay more for repairs.

Man taking photos of a damaged roof
  1. The adjuster’s role

    You can hire a public adjuster to negotiate with your insurance company to settle your claim. Public adjusters understand the claims process and are licensed by TDI. If you hire a public adjuster, your insurance company may no longer be allowed to talk to you about your claim. See a sample contract (PDF).

  2. The adjuster’s cost

    Public adjusters charge up to 10% of your final settlement amount. If your insurance company doesn’t increase its offer after you hire the public adjuster, you’ll still have to pay the adjuster. And you still have to pay your deductible.

  3. Before you sign a contract

    • Call our Help Line at 800-252-3439 to see if a public adjuster is licensed.
    • Ask the public adjuster how much they charge. You can try to negotiate a lower fee.
    • Make sure the contract answers these questions:
      • Will you inspect my damaged property?
      • Will you talk to my insurance company and ask for a larger amount?
      • How long will it take you to settle my claim?

    If you change your mind, you have 72 hours after you’ve signed a contract to cancel it.

    Under Texas law, public adjusters who work on your claim can’t act as your contractor, and contractors can’t advertise that they’ll handle your insurance claim.

  4. Still not happy with your claim?

    Learn more about your options if you’re not happy with the outcome of your claim.

    If you’re having issues with your public adjuster, you have the right to sue. You can use these resources to find legal help.



Questions? Call us at 800-252-3439.

Last updated: 10/5/2023