1 0 % ▁or ▁ 2 0 %, ▁and ▁some ▁consum ers ▁op ine ▁that ▁normal ▁public ▁adjust er ▁fe es ▁are ▁standard ized , ▁cit ing ▁ 1 0 % ▁on ▁any ▁claim ▁regardless ▁of ▁its ▁value . ▁ ▁This ▁is ▁not ▁accurate ▁and ▁cannot ▁work . ▁ ▁Such ▁limitations ▁can ▁cause ▁public ▁adjust ers ▁to ▁avoid ▁helping ▁consum ers ▁with ▁smaller ▁claims ▁altogether ▁when ▁the ▁services ' ▁costs ▁can ▁actually ▁become ▁a ▁financial ▁loss ▁if ▁not ▁providing ▁a ▁fair , ▁reasonable ▁and ▁necessary ▁business ▁ear nings ' ▁margin ▁needed ▁by ▁public ▁adjust er ▁fir ms ▁in ▁order ▁to ▁operate , ▁just ▁as ▁with ▁any ▁business . ▁ ▁Most ▁states ▁do ▁not ▁cap ▁fe es ▁for ▁this ▁reason , ▁while ▁nearly ▁all ▁states ▁welcome ▁public ▁adjust er ▁services ▁for ▁their ▁ins uring ▁public . ▁Professional ▁fe es ▁must ▁be ▁ade qu ate ▁for ▁public ▁adjust ers ▁to ▁cover ▁operating ▁and ▁business ▁costs ▁while ▁still ▁providing ▁sufficient ▁business ▁income ▁returns ▁on ▁those ▁costs . ▁High er ▁fe es ▁on ▁smaller ▁claims ▁having ▁low ▁recovery ▁values ▁are ▁necessary ▁to ▁provide ▁the ▁ade qu ate ▁compens ation ▁that ▁a ▁public ▁adjust er ▁needs ▁to ▁accept ▁the ▁costs ▁of ▁providing ▁full ▁services . ▁▁▁ ▁Reg ard less ▁of ▁the ▁fee ▁structure , ▁the ▁public ▁adjust er ▁professional ▁fee ▁will ▁more ▁likely ▁be ▁offset ▁by ▁an ▁increase ▁in ▁the ▁settlement ▁amount ▁on ▁a ▁covered ▁claim . ▁▁ ▁In ▁many ▁juris dict ions , ▁the ▁fee ▁structure ▁must ▁be ▁dis closed ▁up ▁front . ▁It ▁is ▁important ▁to