For US public adjusting firms

AI for public adjusters that chases carriers, collects the claim file and keeps the pipeline full between storms.

Written for owners and licensed adjusters at US public adjusting firms, from the solo adjuster carrying forty open claims to the twelve-person firm that triples its file count after a hurricane. Most of what ranks for this query is either claims-management software or a blog post about AI replacing the carrier's adjuster. Neither answers the question a firm owner actually has, which is who does the chasing, the document collection and the business development while the licensed adjusters are on roofs and in appraisal.

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In short

AI for public adjusters pays back on the work around the claim, not on the claim judgment. A briefed agent chases carrier adjusters for acknowledgements, inspection dates and payment status, asks the insured for every missing document and logs what came back, builds referral lists of roofers, restoration contractors and property managers, and writes the Friday report of open claims by stage and expected fee. It drafts, you approve, and every message goes out under your license. WorkAgent does this for a flat $149 a month with no per-user fee.

Claim Titan: $82.50 a user a month billed yearly, $99 monthly; AI tools from $50 a month (vendor site)
ClaimWizard: $99 a month single user; Business from $250 a month with 3 licenses, $50 each after (vendor site)
Florida fee cap: 10% on declared-emergency claims in the first year, 20% otherwise (Fla. Stat. 626.854)
WorkAgent: $149 / month, flat, no per-user fee

What it handles

What a public adjusting firm actually hands over

The follow-up, paperwork and prospecting hours inside every claim that the contingency fee pays for only at settlement, and what a briefed agent takes off an adjuster's week.

Carrier follow-up and the claim diary

Every open file has a carrier adjuster who has not answered. The agent drafts the status request for each one in your wording, sends on your approval, logs the reply or the silence against the claim, and puts the files that have gone quiet past your threshold at the top of Monday's list. You stop discovering on day 40 that nobody heard back since day 12.

Document requests to the insured

Declarations page, the full policy, photos, receipts, contractor estimates, the mortgage company's details, proof of additional living expenses. The agent sends the insured a plain checklist of what is still missing, follows up on a schedule, files what arrives and tells you which claims are blocked on paperwork rather than on the carrier.

Estimate and payment reconciliation

Give it the carrier's estimate and yours as PDF or spreadsheet exports and it lists the line items that appear in one and not the other, the quantity differences and the trades that are missing. Give it the payment letters and it reconciles what was paid against each coverage part. The licensed adjuster decides what to dispute; the agent does the comparison work.

Referral partner prospecting

Most public adjusting work comes through roofers, restoration and remediation contractors, property managers and attorneys. The agent builds the list of those businesses in your licensed counties, finds the owner or the operations contact, notes why each one fits and drafts a first approach in your voice. It runs every week, not only when the pipeline is already thin.

Commercial property research after an event

After a declared hail or wind event, the agent researches the commercial properties, HOAs and property management companies in the affected ZIP codes from public sources and builds the list with owner and manager contacts. It drafts outreach for your review; when and how anyone is contacted stays with you and your state's solicitation rules.

Weekly claims report and fee forecast

Every Friday the agent turns your claims export into the report the owner wants: open claims by stage, files with no carrier response, files waiting on the insured, settlements this month, and expected fees at each contract's percentage. The same report tells you where the next month's cash is coming from.

Why it works

Why adjusting firms look at an agent rather than another admin or another software seat

The fee arrives at settlement and the hours arrive every week

A public adjuster is paid a percentage of what the carrier pays, and in Florida that percentage is capped at 10% for claims from a declared emergency in its first year and 20% otherwise. The follow-up and paperwork happen for months before any of it is earned. Cutting those hours is the cheapest way to raise what each file is worth to the firm.

Storm season is not a staffing plan

A hurricane or a hail week can double the open file count in a month, and then the phones go quiet. An admin hired for the peak costs the same in the trough. An agent at a flat monthly price chases carriers in the busy months and builds referral lists in the quiet ones, so the cost does not move with the weather.

Claims software stores the work and does none of it

ClaimWizard and Claim Titan are built to hold the claim: the contacts, documents, photos, financials and statuses. Somebody still has to write the carrier follow-up, chase the insured for receipts and build the referral list. That somebody is what the agent replaces, and it reads what the claims system exports.

Solicitation and contract rules sit with the licensee

States regulate how and when public adjusters contact insureds. Florida, for example, allows solicitation only Monday through Saturday between 8 a.m. and 8 p.m. The agent drafts and researches; nothing goes to a homeowner unless you approve it, which keeps every contact inside the rules that apply to your license.

Referral partners need steady attention

A firm that markets only after a storm competes with every other firm at the same moment. Roofers and restoration contractors refer to the adjuster who stays in touch all year. A scheduled agent keeps that list growing and the follow-ups going while your adjusters are on site.

Compare

Four ways to get carrier follow-up, documents and prospecting done

Compared on administrative and research work only. None of these replaces the licensed adjuster who inspects, estimates, negotiates and signs.

	Claims software, worked yourself	Virtual assistant or claims admin contractor	In-house claims admin	WorkAgent
Typical US cost	Claim Titan $82.50 a user a month billed yearly; ClaimWizard $99 solo or from $250 a month for 3 licenses	An hourly rate or a monthly retainer for a block of hours	A salary plus benefits	$149 a month flat ($888 billed yearly), Pro $499
How the price scales	Per user or per license	Per hour	Per head	Flat, not per user
Carrier status follow-up	Task reminders	Yes, if briefed	Yes	Drafted per claim, sent on your approval, replies logged
Document collection from the insured	Client portal or upload link	Yes	Yes	Checklist sent, chased on a schedule, files sorted
Estimate line-item comparison	Some AI add-ons	Rarely	Sometimes	Yes, from PDF or spreadsheet exports, differences listed
Referral partner prospecting	No	Rarely	When there is time	Yes, every week, with the reason each business is on the list
Signs contracts, inspects or negotiates	No	No	No	No, that stays with the licensed adjuster

Claim Titan and ClaimWizard prices read from their own pricing pages on October 21, 2026. Claim Titan prices its optional AI tools as a shared team budget of $50, $100 or $200 a month and includes 5 e-signatures a month, then $1.50 to $1.00 a document. ClaimWizard's $99 package is limited to a single adjuster with no staff. Florida fee limits from Fla. Stat. 626.854 as published by the Florida Legislature.

Where the hours go on a property claim

A residential water or wind claim has a shape the insured rarely sees. Before any money moves there is the contract and the letter of representation, the policy request, the inspection, the estimate, the proof of loss, and then weeks of status requests to a carrier adjuster who may be carrying three hundred files of his own. Every supplement starts the cycle again. For a commercial claim, add the business interruption records, the building owner's accountant and a lender who wants to be named on the check.

Most of that time is not licensed work. It is writing the same status email for the fourth time, asking the insured again for the contractor's invoice, and finding out which of sixty files moved this week. That is what an agent takes, and it takes it because it is never on a roof. The morning after an inspection the follow-up is drafted. While your adjuster is in an appraisal the receipts are being chased.

The arithmetic on one claim

WorkAgent Starter is $149 a month, which is $1,788 a year month to month or $888 billed yearly. At a 10% fee, $1,788 is the fee on $17,880 of claim payments. At 20% it is the fee on $8,940. On yearly billing, one $9,000 settlement at 10% covers the year. A firm that recovers a single supplement it would otherwise have let slide, or settles one file a few weeks earlier because the carrier was chased on time, has paid for the agent.

Against a claims admin the comparison is hours. If a part-time admin spends fifteen hours a week on follow-up, document requests and the Friday report, those are the hours to brief the agent with first. Keep the admin for the phone calls with insureds and the judgment calls; move the writing and the chasing.

What the agent does not do

It does not inspect property, write estimates in Xactimate or Symbility, sign contracts or letters of representation, negotiate with the carrier or advise the insured on coverage. It does not contact homeowners on its own. It is not a licensed adjuster and nothing it drafts is sent under your name until you approve it.

Where it reads your records depends on where they live. If your claims are in ClaimWizard or Claim Titan, the agent works from exports and from your inbox, calendar and shared drive, which is where carrier correspondence lives anyway. If your referral pipeline is in HubSpot or Pipedrive it connects on the Pro plan and works as an AI CRM assistant.

Pricing for an adjusting firm, and how it compares

WorkAgent is $149 a month on Starter, $499 on Pro and $1,299 on Scale, month to month, flat, with no per-user fee. Yearly billing halves that: Starter is $888 for the year. A firm with three adjusters and an office manager pays the same as a solo adjuster.

Keep your claims software. The public adjuster software pricing breakdown has the yearly cost by firm size. At $82.50 to $99 a user a month it holds the claim file, the photos and the financials, and the agent does not replace that record. What the agent replaces is the share of admin time spent writing and chasing, which is the larger cost in most small firms. For the wider comparison of agents against assistants and staff, see AI agent pricing and the virtual assistant cost page.

How to brief it for the first month

Start with three jobs: the carrier follow-up on every file with no response in fourteen days, the document checklist to every insured with an incomplete file, and the Friday claims report. Give the agent your claims export, your follow-up templates and your stage names. Approve everything it drafts in the first two weeks.

Add the referral prospecting list once the first three jobs run without supervision, and the estimate comparison once you trust its reading of your exports. Firms that hand over the whole office in week one spend week two correcting it; firms that start with the follow-up see the first files move inside a week.

FAQ

Questions public adjusters ask

How are public adjusters using AI?

Mostly on the work around the claim rather than the claim judgment. Public adjusters use AI to draft carrier follow-ups, request and sort documents from insureds, compare a carrier estimate with their own line by line, summarize long policies, build referral lists of roofers and restoration contractors, and write weekly claim status reports. The licensed adjuster still inspects, estimates and negotiates.

Will AI replace public adjusters?

No. Insureds hire a public adjuster for licensed representation, inspection skill, estimating and negotiation with the carrier, and AI supplies none of those. Carriers are using AI on their side of the claim, which makes a well-organized adjuster more valuable, not less. What AI replaces is a large share of the follow-up and paperwork that fills an adjuster's week.

What software do public adjusters use?

Most firms run a claims management system such as ClaimWizard or Claim Titan to hold contacts, documents, photos and financials, an estimating tool such as Xactimate for the scope and pricing, and email, a phone system and e-signature on top. An AI agent sits beside those tools and does the follow-up, document collection, prospecting and reporting work they leave to people.

How much does public adjuster software cost?

On the vendors' own pricing pages, Claim Titan is $82.50 a user a month billed yearly or $99 monthly, with AI tools from $50 a month for the team. ClaimWizard is $99 a month for a single adjuster with no staff and starts at $250 a month for up to three licenses, then $50 a license. WorkAgent, which does the follow-up work, is a flat $149 a month.

Is it legal for a public adjuster to use AI?

Licensing rules regulate the adjuster's conduct rather than the software: solicitation, contracts, fees, disclosures and handling of claim funds. Whatever an AI drafts goes out under your license, so you stay responsible for it. That is why the agent drafts and you approve, and why it never contacts an insured or prospect on its own.

Will the agent contact homeowners or carriers on its own?

Only if you tell it to. By default it drafts every carrier follow-up, document request and prospect email for your approval and sends on your click. Once a routine is working, such as a status request on files silent for fourteen days, you can let it send that routine on a schedule, and it still never contacts a homeowner who has not already hired you.

Can it work with ClaimWizard or Claim Titan?

It works from what those systems export and from your inbox, calendar and shared drive, which is where carrier correspondence lives. It reads the claims export to know which files are open, drafts the follow-ups, and gives you back a list of what changed to update in the claim record. If your referral pipeline is in HubSpot or Pipedrive it connects directly on Pro.

Is it useful for a solo public adjuster?

Yes, and usually most of all. A solo adjuster has nobody to hand the carrier chasing, the receipts and the referral list to, so those happen at night or not at all. At $149 a month, or $888 billed yearly, the agent costs less than the fee on one modest supplement.

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