Vanguard Claims Solutions has released a guide explaining public adjuster costs for property owners dealing with denied or underpaid insurance claims. The resource covers contingency fees, when payment is due, consumer cancellation rights, and factors that may determine whether hiring a public adjuster is financially worthwhile.
Property owners can learn more at https://www.vanguard-claims.net/public-adjuster-cost
The guide comes at a time when a significant share of homeowners' insurance claims are ending without a payout. According to a 2025 analysis by Weiss Ratings, 42% of the 6.8 million U.S. homeowner claims closed in 2024 resulted in no payment, up from 39% the previous year.
The guide explains how Vanguard Claims Solutions' contingency-based fee structure works. Policyholders pay nothing upfront or for the initial inspection, and the fee is collected only after the insurer pays. If the firm does not recover additional money for the policyholder, no fee is owed. The exact cost for each claim is detailed in the written agreement before signing.
It also addresses a common question among property owners: are public adjusters worth the cost? According to the guide, the answer depends on the individual claim. Hiring one may make more financial sense for larger, complex, denied, or underpaid losses where additional recovery could outweigh the contingency fee. For a small claim that has already been fully paid, the additional expense may not be worthwhile.
For policyholders who have already received some payment from their insurer, the guide clarifies that the fee is typically calculated on amounts recovered under the agreement — including additional money obtained after signing — rather than on payments received before the public adjuster was hired. This distinction can help property owners assess the potential financial value of pursuing an underpaid claim.
Vanguard Claims Solutions is led by Andrew Pichardo, a licensed public adjuster in Florida and South Carolina with more than a decade of experience in the claims industry. The firm represents policyholders exclusively and maintains a focused caseload, with the adjuster who initially meets a client remaining involved throughout the claim.
Property owners who have received a denied insurance claim decision can learn more at https://www.vanguard-claims.net/services/denied-claims