Does my insurance policy cover public adjuster fees?
LA CONSULTING
Original Content
Most insurance policies do not directly cover public adjuster fees, but this should not discourage you from hiring one. Public adjusters like LA Consulting work on contingency, meaning you never pay out of pocket upfront. Instead, we earn a percentage of the settlement we secure for you. While insurers rarely reimburse policyholders for hiring a public adjuster, the increase in settlement amount almost always far exceeds the cost of our fee. This makes hiring us a smart financial decision even without direct policy coverage.
Why insurers do not cover fees
Insurance companies are not required to pay for the services of a public adjuster, largely because we work in opposition to them. Our role is to challenge their valuations and negotiate higher settlements, which naturally increases their payout obligation. As a result, insurers avoid including such fees in their policies. This does not reduce the value of hiring us—it simply reflects the fact that our advocacy is on your side, not theirs.
How contingency fees make it risk-free
Even though policies do not cover our fee, you never face upfront costs. Our contingency-based model ensures that our compensation comes only from the settlement we secure for you. If your insurer initially offers $15,000 and we negotiate $55,000, our fee is a percentage of the $55,000. Even after payment, you still walk away with significantly more than the original offer. This structure protects you financially while guaranteeing that our success is tied directly to yours.
This is why most clients see our services as a return on investment rather than an expense.
Examples of added value
In real cases, clients often see two to five times higher settlements after involving LA Consulting. For example, a business owner initially offered $30,000 received $120,000 after our negotiations. Even after our fee, the client gained nearly triple the funds compared to accepting the insurer’s first offer. These examples prove that while policies may not pay for adjuster fees, the results we achieve more than justify the cost.
Our expertise consistently turns undervalued claims into full and fair recoveries.
Transparency about costs
From your first consultation, we explain exactly how our fee structure works. There are no hidden charges, no surprise bills, and no upfront retainers. You know from day one that we only get paid when you do. This transparency builds trust and ensures that you feel comfortable moving forward. We want you to focus on recovery while we handle negotiations without worrying about financial risk.
Our process is designed to be clear, fair, and client-friendly.
The bottom line
No, your insurance policy will not directly cover public adjuster fees, but this does not reduce the value of hiring LA Consulting. Because we work on contingency, you never pay upfront and only owe a fee if we secure a higher settlement. In nearly every case, the increase in payout far outweighs the fee itself, making our services one of the most cost-effective ways to protect your financial interests after property damage.
