The contingency fee model means we collect nothing unless we recover for you — and the math almost always works dramatically in your favor.
The first question almost every prospective client asks Mantis Claims Group is: how much does it cost? It is a fair question, and the answer is refreshingly aligned with your interests: we are paid a percentage of your final settlement, and we collect nothing if you collect nothing.
This contingency fee structure is the foundation of why professional public adjuster representation almost always delivers a net positive outcome for commercial and industrial policyholders.
North Carolina public adjusters charge a contingency fee — a percentage of the final insurance settlement — not an hourly rate or flat fee.
No upfront fees or retainers
No payment if we collect nothing
Fee scales directly with your recovery
Financially motivated to maximize your claim
* Final fee determined by claim complexity. NC imposes a 10% cap only on declared disaster claims.
Source: Insurance Claim Recovery Support — Public Adjuster Fee Structures by State
A Bankrate analysis found policyholders who hired a public adjuster received settlements averaging 19.4% higher. For commercial and industrial claims, the differential is typically far larger.
Industry data shows settlement increases of 40–700% when public adjusters are involved.Sources: OPPAGA, Insurance Claim Recovery Support, Sill
Verified public adjuster case outcomes — actual results vary by claim complexity and coverage.
Hurricane Ian — 35-Property Portfolio, Cape Coral FL
Hail Damage — Scio Village, Ann Arbor MI
Total Loss Fire — Minnehaha Lake Wine & Spirits, Minneapolis MN
Sources: Florida's Best Public Adjusters | Globe Midwest / Adjusters International | Sill Public Adjusters
The ROI of public adjuster representation is highest in several specific situations.
Claims involving property damage, business interruption, extra expense, and code upgrades create the most opportunity for missed coverages. Our systematic approach captures every applicable section.
A $5M claim receives enormous carrier resources dedicated to containing payout. You need equal resources on your side — that's precisely what professional representation brings.
If your claim has already been denied or significantly underpaid, the potential recovery from professional representation is even higher relative to the current offer.
After events like Hurricane Helene, carrier quality declines as surge adjusters flood the market. The gap between the carrier's assessment and full entitled value is widest — and our value highest.
The best time to engage is immediately after a loss — but we also regularly step in at later stages.
Denied claims where the carrier has issued a coverage denial letter
Underpaid claims where the settlement feels inadequate but you are uncertain whether to dispute it
Claims in the supplemental phase where initial payment was made but scope is still disputed
Claims approaching the statute of limitations where action must be taken promptly
New losses before the carrier's adjuster has conducted their first inspection
We will review your claim, tell you exactly how much additional recovery we think is possible, and explain how we would approach your situation — at no cost and no obligation.
NC Licensed Public Adjuster · Rocky Mount & Greenville, NC · Serving commercial, industrial, institutional, and municipal clients statewide