How can public adjusters get such a larger amount of money on a hurricane insurance claim than the homeonwer?

Question

dealing with the insurance company on his own. Just wonder what is the deal.

Answer 1

The homeowner signs the agreement, giving the adjuster the "right" to whatever percentage they agreed to.  

The homeowner gives it to them.  Period.

Answer 2

I understand you question, but to the best of my knowledge, your premise is incorrect.

Answer 3

The public adjuster's fee is a % of the final settlement.  The fee is spelled out in the contract the homeowner signed when he hired the public adjuster.  Usually the fee is about 10% of the settlement.  I'm no fan of public adjusters. But the homeowner hired him to render a service and for his insurance expertise/  The public adjuster has the right to get paid for that.

If if make you feel any better -- an attorneys  fee is usually 33% plus expenses and goes up to 50% if a law suit is filed.

So at 10% of the settlement - the public adjuster is a much cheaper option.

However, since the public adjuster's fee is based on the amount of the settlement -- he has an incentive to inflate the claim.