▁The ▁every day ▁mean ings ▁of ▁terms ▁like ▁" collapse ", ▁ ▁" partial ▁collapse " ▁and ▁" ext ent ▁of ▁physical ▁damage " ▁might ▁be ▁entirely ▁different ▁from ▁their ▁legal ▁interpret ations , ▁requiring ▁the ▁adjust er ▁to ▁clarify ▁such ▁terms ▁for ▁the ▁client . ▁Reg ulations ▁regarding ▁the ▁uses ▁of ▁these ▁terms ▁are ▁constantly ▁in ▁a ▁state ▁of ▁flux ▁so ▁it ▁is ▁important ▁for ▁public ▁adjust ers ▁to ▁have ▁a ▁firm ▁grasp ▁of ▁the ▁law ▁including ▁the ▁division ▁of ▁legal ▁respons ib ilities ▁between ▁ins urance ▁companies ▁and ▁policy hold ers . ▁ ▁Fe es ▁▁ ▁Most ▁public ▁adjust ers ▁are ▁paid ▁based ▁on ▁a ▁percentage ▁of ▁the ▁total ▁settlement . ▁For ▁example , ▁multiple ▁Georgia ▁companies ▁states ▁their ▁average ▁fee ▁is ▁ 2 0 % ▁based ▁on ▁the ▁type ▁and ▁amount ▁of ▁the ▁ins urance ▁claim . ▁ ▁However , ▁lower ▁percent ages ▁are ▁used ▁for ▁larger ▁losses ▁being ▁claimed ▁under ▁a ▁policy ▁of ▁ins urance . ▁ ▁High er ▁percent ages ▁are ▁needed ▁for ▁smaller ▁claimed ▁losses . ▁ ▁Sm aller ▁ins urance ▁claims ▁can ▁have ▁similar ▁costs ▁as ▁larger ▁claims , ▁but ▁because ▁the ▁recovery ▁is ▁less ▁on ▁smaller ▁claims ▁the ▁fee ▁range ▁must ▁be ▁adjust ed ▁to ▁compens ate ▁for ▁the ▁operating ▁costs . ▁ ▁All ▁public ▁adjust ers ▁are ▁not ▁equal ▁in ▁their ▁ab ilities ▁to ▁secure ▁policy ▁benefits . ▁ ▁Sk ills ▁of ▁performance ▁can ▁vary ▁significantly ▁between ▁public ▁adjust ers ▁r anging ▁from ▁basic ▁to ▁el ite ▁expert . ▁ ▁Fe es ▁of ▁