What is A Public Adjuster & Public Adjuster Salary

Public Adjuster Salary: What Is A Public Adjuster?

Do you want to know what is a Public Adjuster, and how much is a public adjuster’s salary? Well if yes, then stay here! Because we are going to explain this briefly in this article. 

According to iii.org, “A public adjuster is an independent insurance professional that a policyholder may hire to help settle an insurance claim on his/her behalf”. So basically, a public adjuster is like a freelance claims adjuster. As a public adjuster, you are not working for the insurance companies but you are working for the claimant or the homeowner, or the policyholder.

How Much Is A Public Adjuster Salary?

Essentially if you write a claim, which takes about an hour, you make $350. But if you move up and become a regional manager. You can get as much as $500 for a $5000 damage claim.

For instance, there are about 2 million homes in Metro Atlanta. Out of the 2 million, there is always one claim every three years. That means there are 750 properties that get damaged every year which need to be getting covered in their insurance. This is a big number of people who needs the help of public adjusters in order to file a claim from their insurance companies. So, there are a lot of chances to get claims jobs throughout the year. 

So, in a nutshell, a public adjuster’s salary is around $50,000 in one year! How does that sound? That sounds pretty amazing to me!


So, now the question is, how do I start?

First, remember that each state has specific qualifications. Georgia is one of the toughest states to get licensed because you have to take a 40-hour course. But, that’s not that bad because you learn everything that you need to know and it will prepare you for the job.

The cost of licensing: It costs a total of $500 in Georgia. In South Carolina, it costs $200. Once you get licensed in your state, you get a reciprocal license.

Reciprocal license: In Georgia, it is $80, in South Carolina, it is $200 and in Maryland, it is $52.

The process: Every state has its specific requirements and system. Not all states require the 40-hour course But you have to pass the exam. After that, some states require fingerprinting and background paperwork also.

After getting your license, you have to learn about writing paperwork, reading policies, taking pictures, and analyzing if the accident is sudden or intentional, and if the policy covers the damage or not. If you learn that properly, you will become an excellent adjuster!


For instance, a settlement fee or damage cost for fire damage is $350,000. The parent company got 12% which is $42,000. Claims writer gets 30% or $12,600 and the public adjuster gets 20% or $8,400 plus a 5% bonus. You can earn as much as $22, 000 for just one claim!

Only 9% of the claims nationwide are represented by public adjusters. So, you have tremendous opportunities to make money.

Being a public adjuster, you can earn more than being hired by insurance companies. You can earn $500 from one claim. And the benefit is that you can go out on any day of the week. You are not bounded or not pressured and you don’t have to give any commission to someone since you are working as a public adjuster. That means more flexibility and freedom for you!

Every home in three years gets damaged and you get the opportunity to have that claim. So, you are going to have lots of chances to get claims even up to more than 600 claims a year which means more chances of earning money.

NOTE: There is one more thing,  only 10% of the damaged property owners will go to the insurance company to file the claim and the rest don’t do that. So, as a public adjuster, you have to educate people about that and you have to teach them that it is for their benefit. You are not only making money but also helping out people when they suffer an accident. 

I hope this helped you a lot and was able to provide information about being a public adjuster and a public adjuster’s salary. If you want to learn more, click the link below:

In this video, public adjuster John Mesko will share his knowledge and practical experience about being a public adjuster. Go and watch the video till the end. You will surely get some great insights here.

Scroll to Top