# Public adjuster software that tracks the scope, the supplement and the fee on every claim

![Public adjuster photographing storm damage to a residential roof while writing a claim scope, used to illustrate policyholder claim representation](https://neurobird.com/publicadjuster/publicadjuster-hero.webp)
*The first settlement is almost never the final number.*

> 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.

- URL: https://neurobird.com/publicadjuster/
- Product: Neurobird Public Adjuster Claims Revenue Recovery Platform
- Niche: public adjuster claims
- Buyer: public adjusting firms
- Status: in development, open for early access
- Updated: 2026-08-22

## What Neurobird Public Adjuster Claims does

- 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
- Report outstanding claim value and fee position across the firm without asking each adjuster

## How it works

1. **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.
2. **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.
3. **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.

## From the source material

> 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).

Source: Florida DFS, public adjusters, https://myfloridacfo.com/division/consumers/storm/public-adjusters

## Industry context

- **20%** Florida's cap on public adjuster compensation for a standard claim, one of the clearest statutory fee limits in the country. (source: Florida Department of Financial Services, https://myfloridacfo.com/division/consumers/storm/public-adjusters)
- **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. (source: Florida Department of Financial Services, https://myfloridacfo.com/division/consumers/storm/public-adjusters)
- **10%** Texas caps public insurance adjuster compensation at a tenth of the claim settlement, which is why the same file pays differently across a state line. (source: Texas Department of Insurance, https://tdi.texas.gov/agent/adjuster-public-insurance-apply.html)
- **403** US billion dollar weather and climate disasters since 1980, the events that generate most public adjusting work. (source: NOAA NCEI billion dollar disasters, https://www.ncei.noaa.gov/access/billions/)
- **1 model act** A national model act for public adjuster licensing exists precisely because state requirements diverged, and regulators still coordinate on it. (source: NAIC Public Adjuster Licensing Working Group, https://content.naic.org/committees/d/public-adjuster-licensing-wg)

## Pricing

- Solo adjuster: $85 per adjuster, per month
- Firm: $190 per adjuster, per month
- Multi state: $320 per adjuster, per month

## Questions

### 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.

## Sources

- [Florida DFS, public adjusters](https://myfloridacfo.com/division/consumers/storm/public-adjusters)
- [Florida DFS, agent and adjuster licensing](https://www.myfloridacfo.com/division/agents/licensing/agents-and-adjusters)
- [Texas Department of Insurance, public insurance adjuster](https://tdi.texas.gov/agent/adjuster-public-insurance-apply.html)
- [NAIC Public Adjuster Licensing Working Group](https://content.naic.org/committees/d/public-adjuster-licensing-wg)

## Contact

- office@neurobird.com
- https://neurobird.com/