▁on ▁the ▁State ▁Law ▁where ▁the ▁loss ▁occurred . ▁ ▁For ▁example , ▁a ▁re gress ive ▁scale ▁can ▁be ▁ 2 5 % ▁of ▁the ▁first ▁$ 1 0 0 , 0 0 0 , ▁ 2 0 % ▁between ▁$ 1 0 0 , 0 0 1 ▁and ▁$ 2 0 0 , 0 0 0 , ▁and ▁ 1 5 % ▁of ▁any ▁amount ▁beyond ▁that . ▁Cla ims ▁that ▁are ▁less ▁than ▁$ 5 0 , 0 0 0 ▁are ▁considered ▁small ▁claim ▁losses . ▁ ▁There ▁are ▁Public ▁Ad just ers ▁who ▁will ▁not ▁service ▁smaller ▁claims ▁at ▁all , ▁while ▁other ▁public ▁adjust ers ▁charge ▁a ▁normal ▁range ▁of ▁a ▁ 3 0 % ▁to ▁ 3 5 % ▁fee ▁rate ▁for ▁ins urance ▁claims ▁with ▁a ▁settlement ▁value ▁that ▁is ▁less ▁than ▁$ 5 0 , 0 0 0 . ▁Public ▁adjust ers ▁can ▁charge ▁a ▁lower ▁fee ▁on ▁the ▁total ▁settlement ▁value ▁of ▁the ▁claim , ▁or ▁they ▁can ▁charge ▁a ▁higher ▁fee ▁on ▁an ▁improved ▁settlement ▁amount ▁that ▁is ▁beyond ▁the ▁initial ▁settlement ▁originally ▁offered ▁by ▁the ▁ins uring ▁organization . ▁ ▁For ▁example , ▁for ▁a ▁$ 1 0 0 , 0 0 0 ▁loss , ▁a ▁fee ▁can ▁be ▁ 2 0 % ▁on ▁the ▁whole ▁claim ▁value , ▁where ▁the ▁cost ▁risk ▁can ▁be ▁a ▁shared ▁exp ense ▁with ▁the ▁client , ▁but ▁for ▁a ▁lower ▁fee ▁which ▁is ▁a ▁benefit ▁for ▁the ▁client ; ▁or ▁altern atively , ▁if ▁the