Public Adjuster Fees in Indiana
LicensedHow much does a public adjuster charge in Indiana? Here is what you need to know about typical fee ranges, statutory caps during declared disasters, disclosure requirements, and your right to cancel.
Fee Summary for Indiana
- Typical Fee Range
- 10%-15% of the claim settlement
- Disaster / CAT Fee Cap
- No statutory disaster fee cap
- Fee Type
- Contingency-based — you pay nothing upfront
- Fee Disclosure
- Required in written contract
- Cancellation Window
- 3-day right to cancel
No statutory percentage cap. Written contract must disclose fee arrangements.
Fee Rules in Indiana
Fee Disclosure Requirement
Indiana requires public adjusters to disclose their fees in a written contract before any work begins. Any adjuster unwilling to put fees in writing is a red flag.
Right to Cancel
You have a 3-day right to cancel your public adjuster contract in Indiana without penalty. Keep this in mind if you feel pressured to sign quickly.
When Fees Cross the Line
Not all fee practices are legitimate. Here are the red flags that signal a problematic public adjuster.
Red Flags
- ✕ Adjuster will not disclose fees upfront or put them in writing
- ✕ Fees above state statutory caps — especially during declared disasters
- ✕ Hidden costs bundled into the contract after the fee is quoted
- ✕ High-pressure tactics urging you to sign immediately with no time to review
- ✕ Verbal-only fee agreements with no written contract
What Is Normal
- ✓ A written contract specifying the exact percentage fee before work begins
- ✓ Fees in the 10–20% range for most standard claims
- ✓ Payment only after your claim is settled — not upfront
- ✓ Adjuster who welcomes questions and gives you time to review the contract
Understanding Public Adjuster Fee Structures
Contingency Fees (Most Common)
The vast majority of public adjusters work on contingency — typically 10–20% of the final claim settlement. You pay nothing upfront and nothing if the claim is denied. The adjuster is only paid from the proceeds of your settlement, which aligns their incentives with yours.
Hourly Fees (Less Common)
A small number of public adjusters charge hourly rates. This is more common on large commercial claims or in states where contingency arrangements are restricted. If an adjuster proposes hourly billing, confirm the estimated total before agreeing.
How PA Fees Compare to Attorney Fees
Insurance attorneys working on contingency typically charge 33–40% of the recovery. Public adjusters, who specialize in claims documentation and negotiation (not litigation), usually charge significantly less. However, for disputed or denied claims that may require litigation, an attorney may be the more appropriate choice.