How do public adjuster fee caps compare by state?
Caps range from 10% to 20% where percentages exist at all. Two states restrict the method or timing instead of setting a number. Every row below links to a state page quoting its statute verbatim.
| State | Cap | Statute |
|---|---|---|
| Florida | 20%, 10% after emergency | Fla. Stat. 626.854 |
| Texas | 10% of settlement | Tex. Ins. Code 4102.104 |
| North Carolina | 10% | N.C. Gen. Stat. 58-33A-60 |
| California | No statutory cap | Cal. Ins. Code 15027 |
| Louisiana | Fee method restricted | La. R.S. 22:1703 |
| Colorado | No upfront payment | Colo. Rev. Stat. 10-2-417(4) |
Which state allows the highest fee?
Florida at 20% outside emergencies, with the deductible excluded from the base. Emergency declarations cut it to 10% for the following year.
20% Florida allows up to 20% outside emergencies under Fla. Stat. 626.854. (Fla. Stat. 626.854, via AdjusterAlly Florida page, current. Source)
10% The year after a governor declared emergency, Florida caps fees at 10%. (Fla. Stat. 626.854, via AdjusterAlly Florida page, current. Source)
$0 on deductible Florida excludes the deductible from the fee base and requires separate agreement for living expense compensation. (Fla. Stat. 626.854(11), via AdjusterAlly Florida page, current. Source)
Which states cap fees at 10%?
Texas and North Carolina. Texas adds a 72 hour policy limit rule that can bar percentage fees entirely, and North Carolina requires the exact percentage in a written contract you can rescind within three business days.
10% Texas generally limits total commission to 10% of the insurance settlement. (Tex. Ins. Code 4102.104(a), via AdjusterAlly Texas page, current. Source)
0% if limits fast When policy limits are paid or committed within 72 hours of reporting, percentage compensation is prohibited. (Tex. Ins. Code 4102.104(b), via AdjusterAlly Texas page, current. Source)
10% North Carolina caps fees at 10% with a written contract stating the exact percentage. (N.C. Gen. Stat. 58-33A-60, via AdjusterAlly NC page, current. Source)
Which states have no percentage cap?
California sets no percentage cap and regulates solicitation instead. Louisiana bars percentage of payment fees and demands full written terms. No cap does not mean no rules.
No cap California sets no percentage cap; the statute restricts solicitation instead. (Cal. Ins. Code 15027, via AdjusterAlly California page, current. Source)
No % of payment Louisiana prohibits fees contingent on or calculated as a percentage of the claim payment. (La. R.S. 22:1703, via AdjusterAlly Louisiana page, current. Source)
Can an adjuster charge before my claim settles?
Not in Colorado, where any fee, retainer, or deposit before settlement is banned. Everywhere else, get the full arrangement in writing before work starts.
$0 upfront Colorado bans any fee, retainer, compensation, deposit, or thing of value before settlement. (Colo. Rev. Stat. 10-2-417(4), via AdjusterAlly Colorado page, current. Source)
When can adjusters contact me after a loss?
Curfews are real law. North Carolina bans all solicitation from 9 p.m. to 9 a.m. daily, California from 6 p.m. to 8 a.m. without request, and both bar contact during the loss event itself.
9p-9a ban North Carolina bans all adjuster solicitation between 9 p.m. and 9 a.m., every day. (N.C. Gen. Stat. 58-33A-80, via AdjusterAlly NC page, current. Source)
6p-8a ban California bars adjusters from initiating contact between 6 p.m. and 8 a.m. unless requested. (Cal. Ins. Code 15027, via AdjusterAlly California page, current. Source)
What does a cap mean in dollars?
Multiply, then ask what the percentage applies to. A 10% cap on a $50,000 settlement bounds the fee near $5,000 before expenses and contract terms, but some contracts charge against the total settlement rather than new money the adjuster recovered. The examples below are arithmetic illustrations, not quotes.
TODO: expand to all coming soon states next. Priority order: Georgia, South Carolina, Oklahoma, Pennsylvania, New Jersey, New York. Each needs statute verbatim plus checked date before it appears in the table above.
Methodology
Every figure traces to a state statute quoted verbatim on its AdjusterAlly state page with a sources checked date. Dollar examples are arithmetic illustrations. States without a verified row are listed as TODOs, never filled from secondary summaries. Last updated September 13, 2026. Next scheduled review January 2027.