How Much Does a Public Adjuster Cost in Florida and New Jersey?
Homeland Public Adjusters · Last reviewed: October 2026
One of the first questions most property owners ask is how much a public adjuster costs. The honest answer is that it depends on which state your property is in — Florida and New Jersey regulate public adjuster fees in very different ways.
Florida: a fixed percentage cap set by statute
Florida law sets hard percentage caps on what a public adjuster can charge, under Fla. Stat. §626.854(11). The cap is based on the amount the insurer actually pays or agrees to pay the policyholder, exclusive of attorney (lawyer) fees and costs — not on the total value of the loss.
20% is the standard cap for claims that are not based on a declared state of emergency (§626.854(11)(b)2).
10% applies for one year after a declared state of emergency, for claims arising from the event the Governor declared (§626.854(11)(b)1). After that one-year window, the standard 20% cap applies instead.
Two narrower caps also apply in specific situations: 1% where the insurer had already paid or committed to pay the full policy limit for certain coverage before the public adjuster contract covered that amount (§626.854(11)(b)3), and 0% where the insurer had already paid or agreed to pay before the public adjusting contract was even signed (§626.854(11)(b)4). A reopened or supplemental claim is capped at 20% of the additional amount recovered on that reopened claim (§626.854(11)(a)).
New Jersey: a reasonableness standard, not a fixed percentage
New Jersey does not set a fixed percentage cap on public adjuster fees. Instead, N.J.A.C. 11:1-37.13(b)(3)(ii) requires every written public adjuster contract to state the maximum fee to be charged, and that fee must be “reasonably related to services rendered.” The Department of Banking and Insurance (DOBI) has reminded public adjusters of this requirement directly, in Bulletin No. 12-16 (December 20, 2012), after fee complaints following Hurricane Sandy.
New Jersey regulation also protects against high-pressure, after-loss solicitation: a public adjuster may not solicit a loss adjustment, or sign a contract to negotiate or settle a claim, between 6:00 p.m. and 8:00 a.m. during the first 24 hours after a loss (N.J.A.C. 11:1-37.13(c), (d)).
Homeland's fee policy
Homeland Public Adjusters works on a No Recovery, No Fee basis in both states: if we don't recover money for you, there is no cost for our services. Our fee is explained in writing before you hire us, within whatever limits apply to your claim, so you know the terms up front. Hiring Homeland is always optional.
The same fee rules apply whether your claim is in Miami, Tampa or Newark.
Frequently asked questions
What is the maximum public adjuster fee in Florida?
Does New Jersey cap public adjuster fees?
This article is for general information only and is not legal or insurance advice. Statutory and regulatory fee limits can change, and how they apply depends on the facts of your specific claim — always review your own contract or speak with a licensed public adjuster about your situation.
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Yeni Martinez
Alberto Enriquez
Yisel DieguezHomeland Public Adjusters represents policyholders, not insurers. Get a free review of your claim.
Get a Free Claim ReviewIf you already have an open claim, see What to Do in the First 24 Hours After Property Damage, or visit our Public Adjuster Near Me page to get connected with the Homeland adjuster covering your area.
