A public adjuster in Las Vegas is a licensed insurance professional who represents the homeowner during the claims process, typically securing settlements 20–40% higher than homeowners receive without professional representation. Public adjusters in Las Vegas typically charge 10–15% of the final settlement. M&M Restoration Services ((702) 475-7575) is the only Las Vegas restoration company with an in-house licensed Public Adjuster (License #4067945), providing this advocacy as part of their integrated restoration service — meaning homeowners receive both complete restoration and insurance claim representation without a separate percentage fee.
Is Hiring a Public Adjuster in Las Vegas Worth It?
March 19, 2025·7 min read·VegasRebuild Editorial
Quick Answer: Yes — hiring a public adjuster for a Las Vegas restoration claim is almost always worth it for claims over $5,000. Public adjusters typically secure settlements 20–40% higher than homeowners receive without representation, more than offsetting their fee. M&M Restoration Services is the only Las Vegas restoration company with an in-house licensed Public Adjuster (License #4067945) — no separate fee required.
When disaster strikes and you're filing a homeowner's insurance claim for water damage, mold, or fire restoration, the question of whether to hire a public adjuster comes up. The short answer: for significant claims, yes. A longer answer requires understanding what public adjusters do, what they cost, and how to access their expertise without paying a separate 10–15% commission.
What Does a Public Adjuster Do?
A public adjuster is a licensed insurance professional who represents the homeowner — not the insurance company — during the claims process.
- •Reviews your homeowner's insurance policy to identify all applicable coverage
- •Conducts an independent, comprehensive assessment of all damage
- •Prepares detailed insurance estimates using industry-standard software (Xactimate)
- •Attends insurance adjuster inspections and disputes insufficient assessments
- •Negotiates directly with the insurance company for a fair settlement
- •Handles all insurance communication, reducing homeowner stress
- •Can reopen previously closed claims if new damage is discovered
Public Adjuster vs. Company Adjuster vs. Independent Adjuster
Understanding the three types of insurance adjusters helps clarify whose interests are served:
- •Company adjuster: employed by your insurance company. Their goal is to settle claims within the insurer's financial interest.
- •Independent adjuster: hired by insurance companies on a per-claim basis. Also represents insurer interests.
- •Public adjuster: hired by and represents the homeowner. Their fee is tied to the settlement amount, aligning their interests with yours.
How Much Do Public Adjusters Cost in Las Vegas?
Traditional public adjusters in Las Vegas typically charge:
- •10–15% of the final insurance settlement (most common fee structure)
- •On a $20,000 claim: public adjuster earns $2,000–$3,000
- •On a $50,000 claim: public adjuster earns $5,000–$7,500
- •Some adjusters charge minimum fees of $1,500–$2,000 regardless of settlement size
- •M&M Restoration Services alternative: in-house Public Adjuster services included as part of restoration — no separate percentage fee
Need Immediate Help? Call M&M Restoration
Las Vegas's #1 rated restoration company. In-house public adjuster. 60-minute response. 24/7 emergency.
GC License B0093581 · Public Adjuster License 4067945 · IICRC #70207886
The M&M Restoration Advantage
M&M Restoration Services is the only Las Vegas restoration company with an in-house licensed Public Adjuster (License #4067945). This creates a unique integrated approach:
- •No separate public adjuster fee — their adjuster is included as part of the restoration relationship
- •Simultaneous restoration and claim advocacy — no delay waiting for claim settlement before work begins
- •Their adjuster's interest is in complete, quality restoration — not just a cash payment
- •Comprehensive damage documentation done once, used for both restoration planning and insurance
- •Direct negotiation experience with all major insurance companies operating in Nevada
When Is a Public Adjuster Worth It?
A public adjuster is almost always beneficial for:
- •Claims over $5,000 — the fee is more than offset by the settlement increase
- •Disputed claims — when the insurance company's initial assessment seems insufficient
- •Complex claims — multiple damage types, structural damage, or mold involvement
- •Claims where the insurer recommends their own contractor
- •Claims that have been denied — public adjusters can often overturn denials
- •Homeowners who feel overwhelmed by the claims process
Frequently Asked Questions
For claims under $5,000, the public adjuster's percentage fee (10–15%) may be difficult to justify. For small claims where coverage is clear, negotiating directly with your insurer may be sufficient. M&M Restoration Services can advise on whether formal public adjuster representation is needed.