Public Adjuster Alternative
Public Adjuster Said No. Here's What to Do Next.
Public adjusters work on commission. If your gap isn't big enough, they pass. That doesn't mean you don't have a valid dispute. It means the math didn't work for them. ClaimBoost fills that gap.
Check if my claim is a fit →The Problem With Public Adjusters for Mid-Size Claims
Public adjusters are legitimate professionals who can be extremely valuable for large or complex claims. But they have a business model that doesn't work for everyone.
A public adjuster typically charges 10–15% of your settlement. On a $100,000 total loss, that's $10,000–$15,000. Worth it. On a $15,000 water damage dispute, that's $1,500–$2,250, and many adjusters will look at your file and decide it's not worth their time to take on a case that size.
The result: homeowners with real, documentable disputes in the $5,000–$50,000 gap range get turned away and told to handle it themselves. Most don't know how.
How ClaimBoost Fills the Gap
ClaimBoost is not a public adjuster. We don't represent you, negotiate on your behalf, or contact your insurer. What we do is build the structured packet that gives you the best shot at a successful self-help dispute.
For $199 flat, no percentage, no commission. you get:
- Claim timeline summary: a professional chronological record of your damage, communications, and offers
- Estimate gap analysis: a line-by-line comparison of your contractor estimate vs. the insurer's scope, with specific missing items flagged
- Missing evidence checklist: what documentation could strengthen your position before you submit
- Dispute letter draft: a formal, specific letter citing your policy, the gap amounts, and requesting a revised scope
- Adjuster email response drafts: templated replies for the most common adjuster pushback
- Escalation guide: your state's DOI complaint process, the appraisal clause, and when to consider professional representation
Comparing Your Options
| Option | Cost | Who does the work | Best for |
|---|---|---|---|
| DIY | Free | You | Small, simple disputes |
| ClaimBoost | $199 flat | AI builds packet, you send it | $5k–$50k gap, mid-size claims |
| Public adjuster | 10–15% of settlement | They negotiate for you | Large or complex claims |
| Attorney | 33–40% + hourly | They litigate for you | Bad faith, total losses |
Who ClaimBoost Is For
ClaimBoost works best for homeowners who:
- Have a documented gap between their insurer's estimate and a contractor's estimate
- Were turned down by a public adjuster because the claim was "too small"
- Want to dispute professionally without paying a percentage of their settlement
- Are willing to review and send documents themselves
- Have damage that was at least partially covered, not outright denied on a policy basis
If your claim was denied because you don't have coverage for the damage type, or if you're dealing with a total loss or suspected bad faith, you may need a public adjuster or attorney. Our escalation guide will point you in the right direction.
$199 flat. No commission. You stay in control.
Tell us about your claim. We do a free fit check first. If ClaimBoost makes sense for your situation, we proceed. If it doesn't, we'll tell you that too.
Check if my claim is a fit →Frequently Asked Questions
Why won't a public adjuster take my claim?
Public adjusters work on commission, typically 10–15% of the settlement. If your claim gap is $10,000, their cut is $1,000–$1,500. Many won't take cases where the potential fee doesn't justify their time. That leaves a large number of homeowners with legitimate disputes and no professional help.
Is ClaimBoost the same as a public adjuster?
No. ClaimBoost is a self-help document preparation service. We generate your packet, you review and send it. A public adjuster represents you in negotiations. ClaimBoost is for homeowners who want to handle the dispute themselves with a professional-quality packet behind them.
Can I use ClaimBoost if a public adjuster already refused my case?
Yes. That's exactly the gap ClaimBoost is built for. A public adjuster turning down your case doesn't mean you don't have a valid dispute. It means the commission math didn't work for them. Your dispute packet doesn't depend on anyone else's commission structure.
What claims is ClaimBoost best for?
Claims where the gap between what your insurer offered and what it actually costs to repair is $5,000–$50,000. Large enough to be worth fighting, not large enough to justify a public adjuster's percentage or an attorney retainer.
What if I need a public adjuster or attorney?
ClaimBoost's escalation guide includes signals for when professional representation makes sense, including total losses, large commercial claims, bad faith situations. We'll tell you if your case looks like one of those.
A public adjuster said no. ClaimBoost can still help.
Flat $199. No commission. Free fit check before you pay anything.
Check if my claim is a fit →Disclaimer: ClaimBoost is a self-help document preparation service. We are not a law firm, attorney, public adjuster, or insurance company. Nothing on this page constitutes legal advice, insurance advice, public adjusting, or insurance representation. Consult a licensed professional for legal or adjusting advice specific to your claim.