Public adjuster software that tracks the scope, the supplement and the fee on every claim
A public adjuster is a licensed representative who works for the policyholder rather than the insurer: documenting the loss, preparing the scope and estimate, and negotiating the claim for a fee that is usually a percentage of the settlement. Florida caps that fee at 20 percent, falling to 10 percent for claims from a declared state of emergency in the first year, and Texas caps it at 10 percent. NOAA has recorded 403 US billion dollar disasters since 1980. Neurobird tracks the file, the supplements and the fee.
Neurobird Public Adjuster Claims in short
- Hold the contract, the fee basis and the applicable state cap on every claim from day one
- Track scope, supplements and carrier responses as one running position rather than an email thread
- Diary statutory deadlines including proof of loss and appraisal demands per state
- 20% Florida's cap on public adjuster compensation for a standard claim, one of the clearest statutory fee limits in the country. Florida Department of Financial Services
- 10% The reduced Florida cap for claims arising from an event that is the subject of a declared state of emergency, applying during the first year. Florida Department of Financial Services
- Pricing runs 85 to 320 US dollars per month across 3 tiers. Early access is free.
What public adjusting firms actually deal with
Why it stays broken
Public adjusting sits between estimating software, legal case management and a CRM, and fits none of them. So the file is an estimating export, an email folder and a calendar reminder held together by 1 person.
A firm carrying 140 open files with an average supplement position it cannot see is guessing at its own revenue.
A public adjuster must be licensed by DFS; ask for their license number, which you may compare to their government-issued photo ID (such as a driver license).
How public adjusting is actually regulated
Useful if you are opening a firm or licensing in a new state. Each source links out.
Florida's cap on public adjuster compensation for a standard claim, one of the clearest statutory fee limits in the country.
Florida Department of Financial ServicesThe reduced Florida cap for claims arising from an event that is the subject of a declared state of emergency, applying during the first year.
Florida Department of Financial ServicesTexas caps public insurance adjuster compensation at a tenth of the claim settlement, which is why the same file pays differently across a state line.
Texas Department of InsuranceUS billion dollar weather and climate disasters since 1980, the events that generate most public adjusting work.
NOAA NCEI billion dollar disastersA national model act for public adjuster licensing exists precisely because state requirements diverged, and regulators still coordinate on it.
NAIC Public Adjuster Licensing Working GroupNeurobird Public Adjuster Claims Revenue Recovery Platform
Make the claim file the unit of work: contract, fee basis, scope, supplements, deadlines and carrier correspondence in one place, with the state rules attached.
- 1Hold the contract, the fee basis and the applicable state cap on every claim from day one
- 2Track scope, supplements and carrier responses as one running position rather than an email thread
- 3Diary statutory deadlines including proof of loss and appraisal demands per state
- 4Report outstanding claim value and fee position across the firm without asking each adjuster
What changes with Neurobird Public Adjuster Claims?
The same work, read left to right: how it runs today, and how it runs once the record is in one place.
| Today | With Neurobird Public Adjuster Claims |
|---|---|
| The contract fee is a percentage and the caps differ by state and by whether the loss came from a declared emergency, so 2 files on the same street can carry different fees | Hold the contract, the fee basis and the applicable state cap on every claim from day one |
| Supplements are the real work and they live in email, so nobody can say how much of a claim is still outstanding | Track scope, supplements and carrier responses as one running position rather than an email thread |
| Deadlines are statutory, and a missed proof of loss date costs the client the claim and the firm the fee | Diary statutory deadlines including proof of loss and appraisal demands per state |
Who is this for?
Same claim, three different firms.
You are the firm
Every deadline is yours. You need a diary that does not depend on you remembering to set it.
You run several adjusters
You need one view of outstanding claim value and fee position without calling each adjuster for a number.
You follow the storms
Fee caps, licences and deadlines all change at the state line. You need those rules held by the system rather than by habit.
How does Neurobird Public Adjuster Claims work?
Capture the contract and the cap
Fee percentage, state, emergency status and the applicable cap are recorded at signing, so the fee is never calculated wrong at settlement.
Run scope and supplements as one position
Original scope, each supplement and each carrier response roll into a single outstanding figure per claim and per firm.
Diary the deadlines that end claims
Proof of loss, notice and appraisal windows are diaried by state and policy form, with reminders that reach more than 1 person.
The claim file, as your adjuster would work it
A working preview. Tick an item to add it to the claim position.
| Line item | Amount | |
|---|---|---|
| Carrier reinspection scheduled | $1,840 | |
| Supplement filed, roof decking | $620 | |
| Hurricane claim, scope 218 line items | $3,275 | |
| Proof of loss due in 60 days | $455 |
Click recover to add a missed line to the invoice.
Public adjuster claims software questions, answered
Key terms
- What is a public adjuster?
- A public adjuster is a licensed representative who works for the policyholder rather than the insurer: inspecting and documenting the loss, preparing the scope and estimate, and negotiating the claim in exchange for a fee, normally a percentage of the settlement. It is a regulated occupation with state licensing, contract requirements and fee caps.
- What are the fee caps?
- They are set by state. Florida caps public adjuster compensation at 20 percent of the claim payment, dropping to 10 percent for claims arising from events that are the subject of a declared state of emergency during the first year. Texas caps it at 10 percent of the claim settlement.
Why do supplements matter so much?
Because the first settlement is rarely the final number. Concealed damage, code upgrades and revised scope come later as supplements, and firms that track only the original claim value have no idea what is genuinely outstanding across the book.
What deadlines actually bite?
Proof of loss requirements, notice periods and appraisal demand windows, all of which vary by state and policy form. Missing one is the failure mode that ends both the client's claim and the firm's fee.
Does this replace estimating software?
No. Scopes stay in whatever estimating platform you use. This holds the claim file: the contract and fee basis, the supplement position, the deadline diary and the firm level view of what is outstanding.
Why we are building this
Public adjusting is a regulated advocacy business that runs on documentation. The scope is done properly, the supplements are chased, and the file itself lives in an email folder.
That is why firms rarely know their real outstanding position, and why a missed proof of loss date is a recurring rather than a rare failure.
We would rather build this with adjusters who carry files. Tell us how your practice runs, and where we have got it wrong.
Where the requirement comes from
State regulators and the national coordination body on public adjuster licensing.
- Florida DFS, public adjusters Consumer facing rules on public adjuster contracts, fees and the caps that apply after a declared emergency.
- Florida DFS, agent and adjuster licensing Licence types, application routes and requirements for adjusters and adjusting firms.
- Texas Department of Insurance, public insurance adjuster How to obtain a Texas public insurance adjuster licence and the conditions attached to it.
- NAIC Public Adjuster Licensing Working Group Where state regulators coordinate public adjuster licensing standards and the model act.
How much does Neurobird Public Adjuster Claims cost?
Priced per adjuster because the work follows the licence holder. Claims, supplements and documents are unlimited.
- Claim file records
- Contract and fee basis
- Supplement tracking
- Deadline diary
- Email support
- Everything in Solo adjuster
- State fee cap rules
- Outstanding position reporting
- Carrier correspondence log
- Named contact
- Everything in Firm
- Per state deadline templates
- Licence and appointment tracking
- Referral source reporting
- Onboarding included
Get free early access
If you adjust for policyholders, tell us how supplements and deadlines are tracked across your files today.
Straight answer on where this is: In development. Early access gets the working preview, a say in what ships first, and early access pricing. It does not get you a login today.
Prefer email? Write to office@neurobird.com and a person will reply. No autoresponder.