How To Become A Public Adjuster

Learn How Public Adjusters Can Make +$100,000 In Their First Year

Hi I’m Mark Houser President of Property Adjustment National Association.

I’m going to walk you through what it takes to become a public adjuster and what the life of a public adjuster looks like.

You’ll learn how this career you have properly have never heard of can change your life and the lives of the people you help.

So What In The World Even Is A Public Adjuster?

If you prefer to watch rather than read we put together a little video explaining what a public adjuster is and how they compare to other kinds of adjusters.

For the rest of you, a public adjuster is someone who works for a property owner against their insurance company in a property damage claim.

Basically like a lawyer but in a very narrow field and with no law degree and we don’t leave our clients with less than they need after getting paid.

The goal of a Public Adjuster is to maximize the settlement of the property owner.

Typically you are working with homeowners and commercial property owners.

Most Public Adjusters are sadly poorly trained.

In contrast the typical insurance adjuster that most people are aware of works for the insurance company. They are generally trying to minimize or deny the settlement the insurance company has to pay out.

Insurance adjusters can cover a wide variety of different types of property losses beyond what a public adjuster deals with depending on their training. Typically they aren’t well trained, often with only a few weeks of training or less, and the training they do get, a lot of that is how to minimize a claim.  

Typically this is an entry level position at an insurance company and most people don’t tend to stay as adjusters either moving up the ladder or more likely moving to greener pastures. You can only take so much of telling people no when they are most vulnerable.

Then there is a third type of adjuster called an independent adjuster. They work with insurance companies but unlike their in-house counterparts they are free agents who often work for multiple insurance companies.

Insurance companies typically use them in areas where having in house adjusters isn’t feasible or when they need extra adjusters in an area such as after a hurricane or a flood.

Because they don't work directly for insurance companies they always run the risk of being replaced as insurance companies try to pit independent adjusters against each other to get the lowest costs.

So Why Would Someone Even Need A Public Adjuster?

As a property owner it is your job to demonstrate to the insurance company for what reason and why you need to be paid.

This isn’t the insurance adjuster's job, contrary to most people's beliefs.

The typical property owner however isn’t prepared for this.

They don’t understand what their policy covers.

They don't know what things cost to repair or fix.

And often they don’t have the time to figure it all out.

According to one study Public Adjusters on Average got 574% more money for their clients then people who went it alone vs taking what the insurance company is willing to pay.

Because most people don't know what their homeowner’s insurance covers they try and rely on the insurance company to tell them if they have coverage or not.


Homeowner’s all the time say one wrong thing and have the insurance company say, “Sorry you’re not covered for that.” when they are.

Here is an example. “The Sewer backed up”, the insurance company will deny you because they don’t cover water damage from the sewer or they would call groundwater.

But that isn’t what happened.

That water isn’t from the sewer, it’s your water from your home that was blocked that came back into your home.

The sewer almost never backs up, if that were the case all your neighbors would have the same problem.

There are hundreds of these little phrases that insurance companies will use to deny claims before they even get started, many of which the policy really does cover.

The claims that don’t get outright denied are more often than not minimized.

As A Public Adjuster You Stand In The Gap Protecting The Interests Of Homeowner’s And Commercial Property Owner’s

Remember how I said public adjusters are like lawyers?

Besides not having a law degree, there is one other key difference.

Here at the association we believe in doing no harm like a doctor

That means always getting the homeowner what they need to fix their property after we take our fee.

No leaving people with damaged property that they can’t afford to properly fix because your fee is too high.

In most states that is no more than 20- 25% for small claims $50,000 and down and 10% for big claims.

Because in large claims you will find damaged personal property which is paid out at actual cash value which is replacement cost minus depreciation.

So to guarantee the client what they need and still cover our fee it needs to be done at 10%. (Some states called caped states have caps that are lower than 25% for any size claim typically 10% to 12.5%)

How Do Public Adjusters Leave Enough Money For Homeowners If They Take 20-25%?

Two ways:

  • O&P
  • And what we call getting down to the ridiculous

O & P?

O&P or Overhead & Profit is added to claims and adds 10% and 10% or 20% to the final claim amount.

Typically this is one of the things that insurance companies fight over and for most homeowners they don’t even know they deserve it.

We teach how to get O&P every time. (This is something that most public adjusters don’t even know how to do)

This is an additional 20% beyond what the costs of repair are and the courts say the insured is do.

“Getting Down To The Ridiculous”?

Everything has a value.

Even the simple job of setting and removing of switch plates has a value, and can be found in every software out there.

You know the little covers over light switches?

We teach public adjusters to make sure everything is accounted for in the estimate and that a reason is given for when it is included.

The typical contractor estimate is three lines item with a total.

We teach Public Adjusters reconstruction methods so that you understand how something should be fixed or repaired the right way, and then how back it up with documentation or facts and evidence.

No Inflating Of Estimates Just To Make Them Bigger!

So Who Is PANA?

We are Property Adjustment National Association one of three public adjuster associations.

And The Only Association That Owns A School That Teaches And Trains Public Adjusters.

Every other “school” out there only teaches how to pass the public adjuster license test for each state or how to use an estimating software.

This is why most Public Adjusters are poorly trained.

Passing A Test Does Not Prepare You To Be A Public Adjuster

Before We Came along No Public Adjusters where properly trained.

At best you would have some who were converted insurance adjusters but for the most part public adjusters have been trained by whisper down the lane methods taking years, and they still have massive gaps in their training.

They simply follow around another public adjuster for years hoping to pick up whatever scraps they can along the way.

So How Can You Make $100,000 + In Your First Year As A Public Adjuster?

Let’s do a little math.

One $10,000 claim at 20% (in non-cap states) = $2,000 (10% in cap states) = $1,000

About 4 hours’ worth of work.

You do just one of those a week you just made $8,000 a month or $96,000 a year at 20%. You do just one of those a week you just made $4,000 a month or $48,000 a year at 10%.

And that is the lowest type of claim that you will see.

It isn’t hard to find $10,000 claims.

The Average cost of a claim the insurance company pays out in 2015 (this has increased every year) is $11,402 x 20% = $2280.40 x 4 = $9,121.60 x 12 = $109,459.2

Just about 5 out of every 10 homes have a claim between $5,000 and $10,000 right now. And when it comes to damage it doesn’t take much before it gets to over $10,000.

$11,402 is what the insurance company on average pays out as a Properly Trained Public Adjuster you always beating the average.

Larger claims of course take more time than 4 hours but they also pay better too.

It is all how you position yourself.

You could also do it a slightly easier way by doing 1 $1,000,000 claim where you make 10% or $100,000.

As a public adjuster you have lots of ways you can make over $100,000 it is all about if you’re willing to put in the work.

After all $1,000,000 claims don’t just fall out of trees. (They can however be caused by trees falling on covered property… 🙂

How Do You Find Work As A Public Adjuster?

Most public Adjusters idea of marketing is joining a networking group like BMI. But that isn’t really marketing.

We teach you how to work with other professionals.

You’ll learn how to put yourself in the path of work, so it flows right to you.

Contractors, Realtors, Plumbers We teach you how to setup a network of people who see claims all the time and who you can help solve problems for by finding money that they otherwise wouldn’t be able to get.

One top of that we will teach you how to build a firm, with other public adjusters under you so you can make money even when you don’t work. You Make A Cut Off the top kinda like a real estate broker does with real estate agents.

Typical Job = You Work You Make Money

Typical Job = You Don’t Work You Don’t Make Money

Once You Build a Firm You Go From Having a Job Where You Are Your Own Boss To Owning A Business Where You Make Money Even When You Don’t Work

That is what is before you. The Freedom to work when and how you want.

If you think you’re not smart enough to do this your right as of now only because you haven’t been taught by us, but you will. (Time + Knowledge + Effort = Success)

Want to work a lot and make a lot of money we will teach you how to build your business that way.

Want to work a little and spend time with your family or doing your favorite hobby but still want to make a decent income?

We Can Help You Do That Too!

You Are Never Alone

When You Join The Association You Join A Family of like Minded Brothers and Sisters Who All Want To Help Each Other Get The Most for Their Clients.

Most Public Adjusters Outside of the Association aren’t that way. All They care about is their own little kingdom, their little piece of turf that they control.

And they do everything they can to stop anyone else from coming and taking a part of what they think is theirs.

But it isn’t theirs.

It is homeowners and commercial property owners who need your help.

That isn’t a game or some hill that someone can claim, it’s a person in need.

And You Can Be That Person Who Helps That Person In Need

When people go through claims it is often an emotional time for them.

Their home or place of business is no longer whole, and you step into that and solve that problem for them.

That Is What All This Is Really About, Helping People Who Need Your Help.

If That Sounds Like Something You Want To Do Here Is What You Get When You Join The Association:

Module #1 State Test Training

This module teaches you how to pass the state test to become a public adjuster. It is all about the ISO (Insurance Service Office) and their guide lines. The only thing that is different between tests is the state regulation part.

Module #2 Homeowner's Policy & Client Paperwork

In this module you will learn about the details of the ISO (insurance Service Office) which the day to day policies are approved by and guided by. You will learn what you need to know to always be the smartest person in the room on policy. You will see and understand the best paperwork in working with your client.

Module #3 Estimating & Software

In Estimating & Software you will be trained to be up to speed in a short time and can day by day deepen your understanding in estimating, as well in Mold, Lead and Asbestos and training in software.

Module #4 Negotiating & Documentation

You will learn negotiating, documenting, letter writing, appraisal and court preparation, which is a very important part in handling a claim. We go in detail in every aspect of this to the point that you could run an appraisal business as well.

Module #5 Marketing Claims

In this module we teach you how to market as a public adjuster. We go way beyond simple marketing tactics like BMI groups. This is the stuff you can't find anywhere else, because nobody else teaches it.

Bonus #1 Module #6 Commercial Package

You will learn the information needed to get into doing Commercial claims, you know the ones that pay the big bucks.

Bonus #2 Phone & Email Mentorship

You Are Never Alone. Besides the training and information on the site you can call (10am - 4pm est) and email to get additional answers to solve problems as you need them. This option may not be available forever as we grow it simply won't be possible to always include this... so get it while you can.

Full Course Contents

Here's a breakdown of the full contents of our exclusive Public Adjuster training course.

  • State Test Training
  • Residential Policy & Client Paperwork
  • Commercial & Business Policy
  • Estimating & Software Training
  • Fire & Flood Estimating Training
  • Extensive Reconstruction Methods Training
  • Lead, Mold and Asbestos Training
  • Presenting & Negotiation Claims
  • Documenting and Letter Writing
  • Appraisal And Preparing for Lawsuit
  • Public Adjuster Marketing Training
  • Building Codes & OCHA Facts & Evidence
  • Federal & State Case Laws
  • Phone & Email Mentorship

Take A Mini Tour Of Our Site

Download Our Complete Syllabus

What People Say About Us

I've been involved in roofing and construction for a number of years. One problem I ran into as well as many of my friends in the roofing business, was losing jobs to the insurance company refusing to pay legitimate claims because of loop holes and other criteria which they claim disqualified the insured from being covered from storm damage.

After experiencing this frustration for a number of years I found Mark's school online and figured I had nothing to lose.

Recently one of my customers had an insurance claim which the insurance company only agreed to pay for half of the roof. I prepared myself by spending 10 minutes on the school's website to review the information I needed to properly handle the claim... And only 5 minutes on the phone with mark asking a couple of quick questions.

Sure enough after initially meeting with the adjuster he claimed the insurance company would only pay for half of the roof.

I have never been a great debater and often have had difficulty arguing with adjusters. After only 5 minutes discussing why the insurance company was responsible for replacing the whole roof, the insurance adjuster shock my hand... returned to his car and returned with a check for the full amount of the entire roof.

Without the websites resources I would have never been able to negotiate the claim so easily.

Brent Fening
Brent Fening Roofer

I joined the property adjustment association back in late august of 2011. It was one of the best things I could of done for myself. I originally started just to get the information because my parents... we suffered a real bad hail storm in chicago in june and the insurance company was giving them the runaround. So I joined just to you know get some knowledge under my belt and try to get a better understanding of the insurance companies and how they work and everything.

But with the knowledge and information that Mark Houser equipped me with I was able to double my parents claim. When word got out about what I was doing before I even got a chance to even think about being a public adjuster or doing anything towards that nature I already had contacts from friends and referrals from what they heard about what I did with my parents place.

And ever since then it has just been a race moving to learn and get as much knowledge or information as I can to forward to the next steps.

Every time I call mark he is always there, always picking up the phone, always answering whatever possible question I could possibly ask.  No matter has crazy it might sound he always gives a good answer for it.

I just don't know where I would be without Mark Houser, he is just a god send. A real helpful person. And made me change fields and go directly into public adjusting and this is all I want to do with all the information that he has, no need to reinvent the wheel.

He has it all laid out there for you guys. Once again thank you Mark for everything that you've done. 

Shaheed Tamir
Shaheed Tamir Illinois Public Adjuster

Steve Patrick Is One Of Our Master Trainers In Appraisal

Over 2,000 Roofing Claims Only Six Did He Not Get

Overhead & Profit

The program has worked very well... We were successful in implementing our first cracked rafter claim.

Essentially what the program has allowed me to do is negotiate with the insurance adjusters and really take control of the whole adjuster meeting. The adjusters here that we work with have come to know that we know what we are talking about and respect our figures and everything else...

The program has provided me with much of that knowledge and definitely the knowledge in how to inspect and where to go for the resources to make sure we can implement the claim properly...

And if I were to say anything to anybody that is getting into this business, it's a great program, very reasonably priced.

The most important advice I would give anybody getting into this business is that you have to get by the first knoll and erase from your mentality that the insurance company is the authority. You have to be the authority when negotiating with the insurance company.

This program teaches you and allows a person to understand how to become that authority.

So if it were me getting into this business again and again I would say this program was the best piece of information or source or resource that allows me to negotiate day in and day out with insurance adjusters...

And then beyond that is the ability to call and get some one on one consultation or backup... is this correct is this not correct.

Overall can't beat the program.

Don Schuett
Don Schuett Minnesota Public Adjuster

I felt that it was a good blueprint for me to follow to start my business. I went out on my own so I had some experience but didn't have the overall experience.  I have used it as a tool, I've thrown in some of my own stuff but I have used it as my blueprint to help me establish and understand the process from start to finish.

I think and what I really liked about you mark from the beginning is you where brutally honest, you know it was like a father and son type thing, like "Did you do this?" no. "Why not? you know you should do it that way". And repetition and hearing it a lot you just start doing it that way.  I think that is important, and not just sugar coating things and saying oh that is ok, don't do it next time. No! "Why didn't you do that? you should of done that."

You showed me the things I needed to learn and that was really important to me and helpful to me in gaining my confidence and preparing myself for the next claim.

I think for me it was a combination of both the information and being able to get answers when I needed them. I think it was important to have the site and be able to go out there day or night any time I'm connected to the internet, to go out and look for an answer or an answer to a question, even if it is in the middle of the night. But on the same token, it was really important to me to pick up the phone and call you as well and have that one on one conversation and pick your brain and ask you question and you come back at me with things. I think having both made it very powerful tool for me. And then as well with being able to reach out to other members of the organization and picking their brain on things and building relationships with others.

It feels great making 6 figures. I started my company right around 3 years ago (this was said about 2 years ago) . We have been very fortunate with some of the big storms that have come through, notably hurricane sandy but we also do a lot of daily claims and don't need to depend on the big storms to come through. I mean I like the big storms but I don't need to depend on them, I think growing the business thru daily claims is also very important. The income last year was phenomenal. We did a significant amount of business last year.

I think it is important that you have to look at it as an investment in yourself. If you where to start any type of business you have to make an investment. And you know to me this is a very small investment for a very large opportunity. And you get access to a wealth of information, to a public adjuster community within the association, and access to mark and his team. I believe if it is something your looking into or have interest in or maybe have some background in it is definitely something you should take seriously and give it a try. I don't think you will be disappointed. 

John Meli
John Meli New Jersey Public Adjuster

Join The Association Starting Today You Get Silver

Now Called Gold Membership With An Added

500 More Pages Of Facts, Evidence & 200 Federal & State Law

That Work With Your Cell Phone


This is the most powerful public adjuster course on the market. Period. End of story. Nobody teaches you anywhere close to the level that we do. Nobody teaches you all the policy, estimating, negotiation, marketing, and commercial training you need to know to run your firm. And nobody ties it all together with forms and templates for you to use to get your business started. This is the Ultimate Public Adjuster Training.

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How The Process Works

Becoming a public adjuster in the past was a slow process with hundreds of gaps in the learning process. You would see poorly trained insurance adjusters changing sides but not expanding their knowledge in the field of public adjusting.

They had supervisors filling their heads with talking points that have no connection with reality. We have contractors who think that just because they can use an estimating software they also think they just need to learn how to pass the state licensing test and their set.

Would you go to a doctor or an attorney who memorized the test questions and just passed a test work for you? Not Me!

Before we go into the details of the process I am always asked how long it will take to be up and running. Everything is there it will depend on your willingness to do the work in learning.

No one can tell you to turn off your TV or dedicate the time.

If you put in just an hour a day you can be up and running in just 60 days. If you put in more time and absorb the information you can do it even faster.

It all depends on if you put in the work or not. No one can tell you to turn off your TV or dedicate the time. Even after you get started though their will still be plenty to learn, our site has over 500 pages designed to help you with the entire claims process.

Getting Licensed And Taking The Test

Most states have a licensing test that you have to take. The test is 100 questions, you need 70% to pass. Some Also have other requirements as well before you can get a PA License.

Taking tests maybe in your past back in your school days. It’s a discipline of using your eyes your ears and your mouth in overdrive. Seeing it over and over again it’s called imprinting so when you say it and repeat what you see and hear you lock it into your memory.

Here is a little secret 80% of what you are tested on you will never use again. We give you the ability study when you drive in your car or pickup. You take tests that are just like the ones you will see on your live tests.

Which State Should I get Licensed In?

In picking what state you want to first get your license in it all depends on what you want to do.

If you want to do CAT PA work, Texas and Illinois are the best states to do that, because they have the most states with reciprocal up to 38 states. One of the great things about the testing agencies is you can take the test in your home state without any travel.

People ask me how long it will take to pass the test. It depends on your work ethic and how you study. No start and stop for a while then start again.

As Larry the cable guy says “Getter Done”.

What Is The Cost Of Getting Licensed?

There is a fee to take the test usually about $50 but it varies from state to state.

If You pass the Test there is also a fingerprint (about $25) and license fee (about $200) which both varies from state to state.

You also need a bond which is different for each state but is usually $100-200 depending on your state requirements.

You also have your LLC incorporation fee, if you decide to work on your own, and a separate bonding and licensing fee for that, which varies from state to state.

We say all this not to scare you with sticker shock but for you to understand this isn’t a get rich quick scheme. This is a real business that takes real commitment, of both time and money.

If you commit and put in what is needed you can make a lot of money and help a lot of people, but there are no free passes to success.

What Happens After I Get Licensed?

Now that the license is being processed you can start nailing down the next step of having a commanding understanding of policy. It’s best to start with homeowners or residential. There are four areas of policy you need to know:

  • Is there a peril?

A peril can be named or what is known as all risk meaning if you have damage is there any exclusions.

  • Are there any exclusions?

This is the main place the insurance adjuster [IA] will try to take away from your homeowner. You need to be on top of this section for most.

  • Conditions are also where the IA will again take away from your client

The biggest take away is not stopping any additional damage to the property like stepping a water leak from plumbing or a leaking roof with a quick fix or a blue tarp.

  • Other coverage is where the policy gives more to your client and should not be overlooked.

First ask is there any damage? If yes what kind of policy do they have? What is the peril? Because without damage and a covered peril you have nothing.

Next is there any exclusion and if there are no exclusions has our client met all the conditions. If yes you are in business.

You need at least 3 types of client paperwork; a contract, client authorization sheet, and a homeowner borrower authorization.

Learning How To Do Estimating

When you are preparing an estimate the basics are quite simple. You need to know what the medium is other words what is the damaged made of.

  1. How much you need to fix.
  2. What grade of the material is it?
  3. What action will you need to do with it?

There is more to the process but those three are the basics in dealing with a structure.

Each Property will include four possible parts:

  1. The home or main business building.
  2. Any other structure on the property.
  3. Any personal property that may be damaged.
  4. If the client needs to find other place to live or work and any additional costs because of a new location, we call that loss of use.

Start To Build Out Your Network

After you have learned the basics of what it takes to become a public adjuster, you can then start on marketing yourself.

More than likely a few of you will start doing that well before you finish learning, but you start by building a network.

A network of professionals who see damage and claims everyday and who you can solve problems for.

Be it contractors who can be properly paid to fix the damage, or realtors and real estate investors who you can sweeten their deals by finding money for them.

We teach you how to build the network, which once built will have claims flowing right to you.

Taking The Final The Last Step

We go over all this and we are constantly building more information in these fields. I had one of my good friends who have been in the adjusting for over 30 years.

At our conference hearing for the first time our new training my friend in the back of the room leans over to me and says I feel like a neophyte. My friend is held as one of the best public adjusters in our area near Philadelphia the birthplace of public adjusting.

You know when I got started my friend who I have the greatest respect for was a mentor. When he needed to know something the first time when he came to me was a thrill.

You know when my son and I got started we had 150 pages that’s all it didn’t exist you had pass the test; learn a software and that was it.

Now we have trained over 500 new firms many of them making well over half a million dollars a year.

I have experts in segments of the industry calling me up to be part of our mission, men and women that see what we’re doing and want to be a part of what’s happening here.

We have the most extensive training anywhere in the world we just upgraded our website to work hand in hand with your cell phone.

It will be always your first weapon in your arsenal against the insurance company.  The great thing about it is it keeps on growing but your association one time startup fee is all you pay for life.

Look at the site as a building when we add a new wing to that structure the one time startup association fee goes up to pay for that new wing.

You are rewarded for being a member or we like the word family and no matter what the cost it is cheap for what’s there to start, guide and mentor you to be part of the world greatest and best training and equipped and supported public adjusters with a national family that cares for the insured and you.

If All This Sounds Like Something You Would Like To Join You Can Do So Below:

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Got Questions? Call 215-499-8629