How To Become A Public Adjuster

Learn How Public Adjusters

Can Make +$100,000 In Their First Year

Ed Walsh

Runs a nice size firm Loved by contractors and has more work then his firm can handle.

At least fifty roofing claims per month with two other field adjusters in his firm.

Ed's been with PANA since March 2016

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The Willing Warrior

“What does it take to become someone else’s miracle?”

It takes a lot of good will and understanding of other people’s woes.

“What is it like to become someone else’s miracle?”

In what we do you see a welling up of relief in their eyes.

Peace in your soul knowing you are willing to stand up against a giant.

You have knowledge that the world has been denied access to.

So, what does it take to become someone else’s miracle?

It takes a willing warrior and may God Bless Your Work.

By Mark E. Houser

So What In The World Even Is A Public Adjuster?

  • 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.

What are good reasons to become a public adjuster?

  1. You’re a Crusader, Insurance Companies lie and cheat their policyholders, which is your client.
  2. You enjoy proving real facts and evidence against stupid insurance companies talking points.
  3. You enjoy making great money and making sure your client is covered for their exact damage.

Why Do You Need To Become A Public Adjuster?

  1. We are going into a recession but as a public adjuster you have a massive amount of options with work that families need your help to become whole again after an insurance claim. The price of labor and material's has sky rocked and they need your help.
  2. As I was saying Inflation from gasoline to food to every thing has gone up 25% to 55% your dollar is Shrinking there are a bottom tier of people that can't live and homelessness that is taking place. But because we make money by a percentage as the prices rise so does your income. There is so much work that you could hire and let us help you train them and you could then override them by $40%

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.

For Whom the Bell Tolls by Ernest Hemingway

“Today is only one day in all the days that will ever be but what will happen in all the other days that ever come can depend on what you do today, each moment of each day is a test that determines your future.”

According to one study, Public Adjusters on Average increased 574% more money for their clients than 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 (ACV) 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.


We teach public adjusters to make sure everything is accounted for in the estimate and that an authoritative 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 in the same manor as an attorney to give real proof why.


No Inflating Of Estimates Just To Make Them Bigger!

So Who Is PANA?

We are Property Adjustment National Association one of three national public adjuster associations and currently the biggest.

We Have Over 700 Firms

We Are In 45 States

This Years Our Members Are Putting In The Pockets Of Homeowners 2 Billion

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. 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 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:

Full Course Contents

Here's a breakdown of the full contents of our exclusive Public Adjuster Training Course.

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, Business & Commercial Policies, With 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.

How to handle every aspect of a claim. Learn not just what to do but also how to think about every different part of a claim

Step by Step Claims Processing

Module #3 Power Estimating & Software Training

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 and Fire, Flood. Showing you how to add authoritative notes to each line of the estimate (facts and evidence)

We have Building Code Library and Videos & OSHA Library and 30 hour Video Contractor Course & Example of Manufacture Recommendation Installation

We Have 9,674 pages contractor's Library with all the math

A library of federal and state case laws and FC&S Library to demonstrate to insurance companies why they need to pay what your estimating and do you have coverage.

Module #4  Documentation

Have All The Template Letters & Documents and Contracts

Module #5 Forensic Engineering 

Learn How to Beat Engineers That Lie

Module #6  Presentation & Negotiating 

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 #7  Appraisal

Learning every aspect of Appraisal and all of the forms.

Module #8  Preparing Claim For Law suite 

Being educated with the same information that the top attorneys use to teach their attorneys in how to win their cases

Module #9 Marketing Claims As A Public Adjuster

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 Lifetime of Phone & Email Coaching

You Are Never Alone. Besides the training and information on the site you can call (10 am - 4 pm 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.

Bonus #2 Exclusive Discord Group

Network and talk to public adjusters from across the industry. Get access to new updated training in real time.

Bonus #3 PANA Show

Interviews with different people in the home insurance industry.

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Master Public Adjuster Payment Plan

Payment of $500 + 10 Payments of $200 Every 30 Days  ($2,500 Total)

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    Master Public Adjuster Full Payment One Membership

    Master Public Adjuster One Membership $2,310

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      Master Public Adjuster Full Payment Three Members

      Master Public Adjuster Three Members $3,500

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        We Will Help You Find With Your First Claim And Help You Process It.

        So You Can Pay Your Membership Off After You Are Licensed 

        Call Us After Signing Up 215-499-8629

        Check Out Our Associations Trainers And Board Members

        Mark Houser Who Will Be Your Personal Mentor

        Mark Houser , when trying to help his clients with challenges, found that many of his clients were having troubles with their insurance companies with homeowners insurance claims. So Mark started working with a public adjusting firm learning how to become a public adjuster. He received his license as an adjuster and became a Regional Vise President with the largest company. So, Mark went to Vale National training school for adjusting. Then he devoted many years learning the business of adjusting. He had gained such an understanding of the business that he decided to work towards changing how adjusting for the homeowner is done. Now he is teaching other people how to aid him in helping others. Mark is the founder of Property Adjustment National Association. Now The largest National Public Adjuster Association.

        Alexander Worthington Houser

        Co Owner of PANA

        Steve Patrick

        Steve Patrick Owner of LP Loss Consulting and National Speaker in the contracting industry. LP Loss Consulting is the largest appraisal company and the most powerful in the states. Steve also was a trainer at Vale National training school for adjusting. Steve Patrick Is One Of Our Master Trainers In Appraisal. Over 2,000 Roofing Claims Only Seven Did He Not Get Overhead & Profit

        Don Wood

        Don is a licensed Public Adjuster in New York, New Jersey, North Carolina, Florida, Texas, and Oklahoma.   Don has several decades of experience in the related fields of construction, general contracting, and property insurance, and is a thought leader in the public adjusting industry. Don has delivered Continuing Education programs for public adjusters in Texas and New York. In addition to public adjusting, Don is a Certified Professional Estimator with the American Society of Professional Estimators, member of the International Code Council, and a Windstorm Network Wind Certified Appraiser and Umpire. Don is past President of the Texas Association of Public Insurance Adjusters (TAPIA). Don is the one that made most of what is the top of the attorneys millionaires after the Katrina hurricane.

        Chip Merlin

        Since 1983, Chip Merlin has served as a plaintiff’s attorney with a focus on commercial & residential property insurance claim disputes and bad faith insurance litigation. Chip is a noted national authority on insurance bad faith, lecturing to national trade groups and publishing a number of papers and articles on the subject for organizations such as The American Association for Justice, The Florida Justice Association, The Windstorm Insurance Network, and Trial Magazine. As founder and president of Merlin Law Group, Chip has dedicated his practice to the representation and advocacy of insurance policyholders in disputes with insurance companies nationwide.

         Chip Merlin From Merlin Law Group
        The Number One Law Firm With Homeowners Claims

        Chip Merlin The Founder of FAPIA And President Of The Wind Storm Conference And Mark Houser The Founder Of PANA The Largest Public Adjuster Association In America 

        Jonathan Wheeler Trainer

        Jonathan founded The Law Offices Of Jonathan Wheeler more than 25 years ago. He wanted to build a firm whose focus was on seeking justice for individuals and businesses throughout Pennsylvania and New Jersey, particularly against larger insurance companies.

        He has extensive experience in Personal Injury, Property Damage, and Insurance litigation. He specializes in Construction and First Party insurance claims, Bad Faith litigation, and Insurance Company misconduct.

        Winning The Largest Class Action case Against State Farm

        John Wood

        J.D., NYU School of Law B.A., summa cum laude, Texas Christian University Honors: 

        Phi Beta Kappa HEB-ISD Hall of Fame Numerous Creative Writing Awards 

        Statement of Client’s Rights

        Kevin Kaufmann

        Kevin has earned the distinction S.P.P.A. Senior Professional Public Adjuster, having founded Property Adjustment Corporation in 1990. Kevin is certified in Property Claims and Commercial Fire Coverage and is trained in Commercial Building Restoration. He is a licensed public adjuster in Pennsylvania, New Jersey, New York,Maryland, Delaware,North Carolina and Florida and is an active member of the National Association of Public Adjuster as well as the Mid-Atlantic Association of Public Adjusters.

        Trainer Speaker


        Greg In Class

        Lori Bradshaw

        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



        I met some guys from Merlin law group, Steve Patrick, Don Wood, Tristan Farrell, Adrian Enrique, Mike Degregorio (roofer about to be a student of yours) and a whole bunch more past. I have referred Josh Garrick to you. I feel like I'm a good fit and have a few businesses that will provide a good income while I train. I am overwhelmed by what I learned at Win the Storm. I have read most of delay, deny and defend. I ordered from good hands to boxing gloves, that you talked about.

        I'm getting ready for the next storm. Don Wood says I can work for him at Suncoast.

        Thanks for putting the training together.


        Rusty English


        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

        Some Of Our Members

        Association's Motto " You Can Never Give Out Enough Good Will Changing One Life At A Time And The Life You Will Change Will Be Your Own."

        Mark Houser

        "The beginning of wisdom is this: Get wisdom Through it cost you all you have, get understanding."

        Founding Verse Proverbs 4:7

        Join The Association's Education Today! 

        Join Now!

        Have Questions? Call Mark Houser 215-499-8629

        We Are Now In 45 States