Licensed Ohio Public Adjuster #1367111

How Much Does a Public Adjuster Cost in Ohio?

Ohio homeowners usually ask about public adjuster cost after a denial, a low estimate, or a stalled storm claim—not because they want a sales pitch, but because they need an honest fee picture before they sign anything.

Keathley Claims Consultants is a licensed Ohio public adjusting firm (Ohio Public Adjuster License #1367111), based at 155 N Main Street, Wellington, OH 44090. We work for you, the policyholder. When we represent you on your claim, we do not work for the insurance company. We are not attorneys, not a law firm, and do not give legal advice. We focus on Northern Ohio and work statewide.

Call (419) 504-1601 Contact page

Answer in plain English

Public adjuster fees in Ohio are typically set out in a written contract before work begins and are often structured as a contingency fee tied to the claim recovery under that contract—often paid from claim proceeds in common arrangements. Ohio requires the fee to be clearly stated in the contract form used with consumers; read the agreement carefully and ask questions before signing. Ohio does not have a statutory public adjuster fee cap that sets your rate for you. Keathley Claims Consultants does not publish invented fee percentages as firm rates online—our fees are disclosed in the written contract we review with you. We do not work for the insurance company in regards to your claim.

Need help now? Call (419) 504-1601 · claims@keathleyclaims.com · Contact

Short Answer

Short answer: what “cost” usually means

Most Ohio public adjusters use a contingency (success-aligned) structure: the fee is tied to recovery on the claim under the terms you agree to in writing, rather than a large upfront invoice to start.

What that means in practice:

You should know the fee structure before you sign
Payment timing and calculation rules belong in the written contract
A good conversation starts with whether the claim’s size and dispute justify any fee at all

We do not publish a Keathley Claims Consultants contingency percentage on this page. Fee details for your situation are discussed directly and confirmed in writing. Call (419) 504-1601.

Contracts

What Ohio emphasizes about contracts and fees

Before you hire any public adjuster in Ohio:

Get a written contract before work begins
Confirm the fee is conspicuously set out in that agreement
Ask what funds the fee applies to, and what happens if recovery does not change
Verify the firm’s Ohio public adjuster license (ours is #1367111)
Do not sign under pressure

Ohio does not set a statewide statutory percentage cap that automatically limits what a public adjuster may charge. Do not assume “the law sets the fee.” Read the contract.

More on role and licensing: Ohio public adjuster and FAQs.

Scope

What’s usually included (and what isn’t)

When you hire a public adjuster for a property claim, the fee typically covers policyholder-side claim work, such as:

Inspecting and documenting the damage
Organizing photos, estimates, inventories, and claim correspondence
Helping present the claim against the policy and the carrier file
Negotiating the amount and presentation of the claim while the file is live

Exact scope is defined in your written agreement.

Not included

Repairs — We are not a contractor (contractors)
Legal advice or litigation — We are not a law firm. For how public adjusting differs from legal representation, see Ohio public adjuster.
Working for the carrier — We do not work for the insurance company in regards to your claim

Fee Conversation

What affects the fee conversation (without fake percentages)

These factors usually shape whether hiring makes sense and how the contract is discussed—without inventing a rate:

Claim complexity (fire/smoke, multi-trade, large contents vs small cosmetic)
Stage of the claim (early documentation vs already denied or stalled)
Whether appraisal may become necessary later
Scope of services listed in the written contract

Red flags: no written fee; pressure to sign immediately; guarantees of a specific dollar recovery; anyone unwilling to put terms in writing.

Honest Framing

When the cost may be worth discussing — and when it may not

Often worth discussing when the claim is denied, underpaid against real scope, delayed, or too complex to manage alone — denied claim help, underpaid claim help, delayed claim help.

May not be worth it when the loss is small and straightforward, the carrier estimate looks complete and fair, and you are comfortable managing documents yourself. An honest public adjuster should be willing to say when the numbers do not justify involvement.

More honesty: Do I need a public adjuster?

We do not invent ROI multiples, win rates, or settlement guarantees on this page.

Different Jobs

PA fee structure vs attorney fee structure (not legal advice)

Public adjusting and legal representation are different jobs with different fee norms.

Public adjuster fees — Often contingency / written adjusting contract for claim documentation and negotiation
Attorney fees — Often contingency or hourly for legal advice and litigation — general industry context only; not a quote for any law firm

KCC does not give legal advice and does not invent attorney percentages as universal facts. See Ohio public adjuster for how public adjusting differs from an attorney.

Our Position

How Keathley Claims handles fees