Public Adjuster Software Pricing per User Compared

Short answer: public adjuster software is cheap next to the admin hours it leaves you to do. On October 21, 2026 Claim Titan listed $82.50 a user a month billed yearly or $99 billed monthly, with optional AI tools from $50 a month shared across the team. ClaimWizard listed $99 a month for a solo adjuster with no staff and a Business package from $250 a month that includes three assignable licenses, then $50 a month for each extra license. A three-adjuster firm pays roughly $3,000 to $4,000 a year for either one. The bigger line is the follow-up, document chasing and reporting that neither product does for you.

We sell a flat rate AI agent, so we have an interest in how this comes out. Every vendor page below was read on October 21, 2026, and where a vendor publishes nothing we say so instead of guessing. Check them yourself before you sign.

Public adjuster software pricing on one page

We went to each vendor's own pricing page first. Both of the products that publish a price are claims management systems built for public adjusters, but they charge by different units, and that changes which one is cheaper as a firm grows.

Product	Published price	Billing and unit	Worth knowing
Claim Titan	$82.50 a user a month billed yearly, $99 a user a month billed monthly	Per user, one plan with every feature	Unlimited claims, no per-claim or storage fees, no contract, 30-day money-back guarantee. AI tools are an optional shared team budget of $50, $100 or $200 a month. 5 e-signatures a month included, then $1.50 down to $1.00 a document
ClaimWizard	Single User $99 a month; Business from $250 a month	Per assignable license	Business includes up to 3 assignable licenses and office staff accounts at no extra cost, then $50 a month per license. A paid assignable account is needed for the mobile app. The $99 package is only for one adjuster with no staff. Enterprise is quoted, aimed at 50 or more licenses
Claimzilla	Directory listing shows from US$49.99	Not confirmed	The figure is from a Capterra listing; the vendor's own pricing page did not load for us, so treat it as unconfirmed
ClaimPilot, AdjusterDesk	Not published	Demo or signup	We found no price on either vendor's site
WorkAgent (an agent, not a claims system)	Starter $149 a month, Pro $499, Scale $1,299	Flat, not per user. Yearly billing halves it: Starter is $888 a year	Does carrier follow-up, document requests, referral prospecting and the weekly claims report. Does not store the claim file, estimate or e-sign

Two things follow from that table. First, the unit decides the winner. Claim Titan charges for every user, while ClaimWizard charges for adjusters who take assignments and lets office staff in free. A solo adjuster on annual billing pays less on Claim Titan; a firm with a lot of support staff pays less on ClaimWizard. Second, neither price includes the work. Both products hold the claim, the photos, the documents and the money. Neither writes the carrier status request, chases the insured for receipts or builds next month's referral list.

What a public adjusting firm actually pays per year

Here is the arithmetic on the published figures for three common firm shapes. Claim Titan is shown on annual billing with every person as a user, which is how its page prices it; ClaimWizard is shown with every adjuster on an assignable license and office staff free, which is how its page describes the Business package. AI add-ons are left out of the main figure and noted below.

Firm	Claim Titan (annual)	ClaimWizard	WorkAgent Starter
Solo adjuster, no staff	$990 a year	$1,188 a year (Single User)	$888 billed yearly, $1,788 month to month
3 adjusters and an office manager	$3,960 a year (4 users)	$3,000 a year (Business, 3 licenses)	$888 billed yearly, $1,788 month to month
8 adjusters and 2 office staff	$9,900 a year (10 users)	$6,000 a year ($250 plus 5 licenses at $50)	$888 billed yearly, $1,788 month to month

If your office manager does not need a login on Claim Titan, the middle row drops to $2,970 and the two products cost about the same. Add Claim Titan's smallest AI budget and every row rises by $600 a year. The point stands either way: for a small firm the claims system is a few thousand dollars a year, which is roughly what two months of a part-time claims admin costs.

Read the WorkAgent column for what it is. It is not a cheaper claims system. It does not hold the file. It is priced in the same table because owners comparing software usually have the real problem one line further down, which is hours.

Where the hours go after the software is paid for

A property claim runs for months, and most of that time is not licensed work. It is the fourth status email to a carrier adjuster who is carrying three hundred files. It is asking the insured again for the contractor's invoice and the additional living expense receipts. It is working out on Friday which of sixty open files moved this week and what fees are likely to land next month. After a storm, all of it doubles at once.

Claims software gives you a place to log that work and reminders that it is due. It does not do it. That is the gap a flat rate agent fills. Briefed on your open files, it drafts the carrier follow-up for every claim that has gone quiet past your threshold, sends each insured a plain checklist of what is still missing and follows up on a schedule, compares the carrier's estimate with yours from the PDF or spreadsheet exports, and writes the Friday report of claims by stage with expected fees at each contract's percentage. Every message is drafted for your approval and goes out under your license. You can see the full job list on our page about AI for public adjusters.

Long commercial policies are their own time sink. If you need to ask questions of a 90-page commercial policy and get answers cited to the page, a document chat tool does that well; the agent's job is the follow-up that comes after you know what the policy says.

What the fee math says about admin time

Public adjusters are paid a percentage of what the carrier pays, and some states cap it. Florida's statute, section 626.854, limits the fee to 10% of claim payments for claims arising from a declared state of emergency during the year after the declaration, and to 20% for other claims. That makes the value of admin time easy to see.

At a 10% fee, $1,788 a year (WorkAgent Starter month to month) is the fee on $17,880 of claim payments. On yearly billing, $888 is the fee on $8,880.
At a 20% fee, the same $1,788 is the fee on $8,940 of payments.
A claims admin at $25 an hour working fifteen hours a week on follow-up, document requests and reporting costs about $1,600 a month, close to what WorkAgent Starter costs for a full year month to month.

So the honest comparison is not claims software against an agent. You need the claims software, and at these prices you should keep it. The comparison is the agent against the hours your adjusters or your admin spend writing and chasing. If one supplement gets filed that would otherwise have been let go, or one file settles a few weeks earlier because the carrier was chased on day 14 instead of day 40, the year is paid for.

Which public adjuster software is best for a small firm

On published prices alone, the choice is mostly about headcount and how your staff work.

Solo adjuster, annual billing is fine: Claim Titan at $990 a year is the lowest published price, and it includes every feature.
Solo adjuster who wants month to month: the two are the same at $99 a month.
Several adjusters plus office staff: ClaimWizard's Business package lets staff in free, which usually makes it the cheaper of the two from three adjusters up.
You want AI policy extraction or estimate comparison inside the claims system: Claim Titan sells it as a shared budget from $50 a month, which is cheap for a team.
Your problem is the follow-up, the receipts and the referral pipeline rather than the record: keep whichever system you have and add an agent for those hours.

Before you pick, ask each vendor three things their pricing pages do not settle: whether office staff need a paid seat, what happens to your data and documents if you leave, and whether any feature you rely on, such as e-signatures or AI tools, is metered beyond what the plan includes.

Questions about public adjuster software cost

How much does public adjuster software cost?

On the vendors' own pages in October 2026, Claim Titan is $82.50 a user a month billed yearly or $99 monthly, and ClaimWizard is $99 a month for a solo adjuster with no staff or from $250 a month for up to three licenses, then $50 a license. A small firm typically pays $1,000 to $4,000 a year, with AI add-ons extra.

Is there public adjuster software without per-claim fees?

Yes. Claim Titan states unlimited claims with no per-claim fees, transaction charges or storage overages on every account, and ClaimWizard's pricing page lists packages by license with no per-claim charge. Check whether e-signatures, AI tools or extra storage are metered separately, because that is where per-use costs usually reappear.

Do office staff need a paid license?

It depends on the vendor. ClaimWizard's Business package includes office staff accounts at no extra cost and charges only for assignable licenses, while Claim Titan prices every user the same. For a firm with two or three support staff, that difference alone can be worth $2,000 to $3,000 a year.

Can an AI agent replace public adjuster software?

No, and it should not. Claims software is the system of record for the claim file, photos, documents and financials. An AI agent works next to it: it drafts carrier follow-ups, chases documents, builds referral lists and writes reports from what the claims system exports. Most firms that add an agent keep their claims software.

If you are weighing the agent against a person rather than software, our virtual assistant cost page lays out managed assistant rates next to the agent, and the WorkAgent pricing page has every plan on monthly and yearly billing.