Public adjusters · Updated 2026-09-03
The best public adjuster software in 2026
Public adjusters work contingency-fee claims worth tens of thousands of dollars, and a missed supplement or a blown deadline costs the client — and the firm — real money. The category actually splits into three jobs that rarely live in one tool: estimating the damage in a format carriers will accept, running the claim as a business (leads, fee splits, deadlines, compliance), and documenting what was actually lost. We compared the platforms public adjusting firms actually run on, not the padded “top 10” lists the content mills publish for this niche. No paid placements.
The picks at a glance
| Software | Best for | Indicative pricing |
|---|
| Xactimate | Any firm that needs estimates carriers will accept without a fight over format | tiered term-licenses, roughly $150–$350/month per user depending on plan and commitment length |
| ClaimWizard | Firms that want a PA-only platform with a long, independent track record | from ~$99/month (single-user plan) |
| PACMAN | Firms that want claims, photos and client communication in one purpose-built CRM | from ~$69/month per user |
| Claim Titan | Firms that want AI research tools without per-seat upcharges | from ~$82.50/month per user |
| AdjustCRM | Small and mid-size firms that want simple per-seat pricing and lead management built in | from ~$49/month per adjuster (annual) / ~$65/month (month-to-month) |
| Adjust Square | Firms handling total-loss or content-heavy claims that need contents pricing done properly | quote-based |
Pricing is indicative, checked at the date above — plans change; always confirm with the vendor. We have no paid relationship with any editor listed here.
The contenders, in detail
1. Xactimate
Pricing : tiered term-licenses, roughly $150–$350/month per user depending on plan and commitment length
Any firm that needs estimates carriers will accept without a fight over format
Xactimate, from Verisk, is the estimating format the property insurance industry has standardized on: regional line-item pricing databases, sketch tools and reports carriers expect to receive in their own system. Most adjusters — public or otherwise — learn it early because it is the shared language of the claim, not because any one firm chose it.
Strengths
- +The de facto industry format — carriers read it natively
- +Deep regional pricing databases and sketch tools
- +Staff trained on it elsewhere need no retraining
Watch out for
- −Priced and licensed per user, which adds up on a growing team
- −Estimating only — no CRM, fee tracking or lead workflow
2. ClaimWizard
Pricing : from ~$99/month (single-user plan)
Firms that want a PA-only platform with a long, independent track record
ClaimWizard is workflow, compliance and process software built exclusively for public adjusting firms, tracking a claim from origination through settlement with reporting on staff and firm performance. It has served the profession since the 1990s, built by a team that states outright it does not compete with adjusters — unlike some carrier-linked tools.
Strengths
- +Built exclusively for public adjusting, not adapted from a generic CRM
- +Long, independent operating history in the profession
- +Scales from solo adjusters to teams of 150+
Watch out for
- −Interface reflects its long history more than newer entrants
- −Full team pricing requires a quote
3. PACMAN
Pricing : from ~$69/month per user
Firms that want claims, photos and client communication in one purpose-built CRM
PACMAN (Public Adjuster CRM & Claims Management) is purpose-built around claims documentation, settlement workflows and policyholder communication, rather than adapted from generic sales CRM software. Each claim automatically generates a secure client portal login, and photo documentation tools sit inside the claim file itself.
Strengths
- +Purpose-built for claims workflows, not a generic CRM with insurance labels
- +Automatic secure client portal generated per claim
- +Transparent tiered pricing published on the site
Watch out for
- −Top Enterprise tier caps at 10 active users
- −Younger brand than Xactimate or ClaimWizard
4. Claim Titan
Pricing : from ~$82.50/month per user
Firms that want AI research tools without per-seat upcharges
Claim Titan is an AI-leaning claims CRM with transparent per-user pricing and every core feature included at every tier — no locked roles or premium upgrades. Optional AI add-ons (policy extraction, NOAA weather reports, document analysis) are billed once per firm rather than per seat.
Strengths
- +Flat per-user price with full feature access, no tiered gating
- +AI add-ons priced per firm, not per seat
- +Flexible fee tracking: flat, percentage, tiered or referral splits
Watch out for
- −AI tools are opt-in extras, not included in the base price
- −Newer entrant relative to Xactimate or ClaimWizard’s track record
5. AdjustCRM
Pricing : from ~$49/month per adjuster (annual) / ~$65/month (month-to-month)
Small and mid-size firms that want simple per-seat pricing and lead management built in
AdjustCRM is a modern, AI-assisted CRM focused on claims and lead management for public adjusting firms, with every feature included on every seat. Pricing is simple and per-adjuster, with seats that can be added, removed or paused as claim volume shifts.
Strengths
- +Lead management alongside claims, not sold as a separate module
- +Simple, transparent per-adjuster pricing with no feature tiers
- +Seats can be paused, not just cancelled, between claim surges
Watch out for
- −Smaller, newer vendor than the profession’s established names
- −Less depth on multi-state compliance reporting than PA-only veterans
6. Adjust Square
Pricing : quote-based
Firms handling total-loss or content-heavy claims that need contents pricing done properly
Adjust Square is a narrower, AI-assisted tool for one specific job: pricing personal property and contents claims against a database of hundreds of millions of consumer products. Policyholders submit their contents list by app, portal or email, and the platform returns a documented, sourced replacement-cost estimate.
Strengths
- +Purpose-built for contents estimating — a job the dwelling-focused tools above don’t really do
- +Large product database with sourced pricing, not guesswork
- +Multiple intake channels for policyholders (app, portal, email)
Watch out for
- −Solves one piece of the file, not claims management or dwelling estimating
- −No public pricing — budget only after a quote
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How to choose
01Xactimate compatibility
Carriers and most of the industry standardize estimates in Xactimate’s format. Check whether a CRM or workflow tool exports or imports Xactimate-compatible line items, or whether you will be re-keying numbers between two systems on every claim.
02Fee and settlement tracking
This is a contingency-fee business: the software should track flat, percentage, tiered or referral-split fees automatically per claim. If fee math still lives in a spreadsheet, disputes over what is owed become a matter of time.
03Compliance and audit trail, state by state
Public adjuster licensing, required disclosures and deadlines vary by state. The platform should log activity in a way that holds up if a claim, a license or a fee is ever disputed or audited.
04Mobile field documentation
Most public adjusting work starts on-site with photos and video. Field staff need to capture and organize documentation from a phone in the moment — not scramble to reconstruct it back at the office.
Frequently asked questions
Do I still need Xactimate if I use one of these CRMs?
Generally yes. ClaimWizard, PACMAN, Claim Titan and AdjustCRM manage the business side — leads, fees, compliance, communication — but most public adjusters still produce or reconcile the actual estimate in Xactimate because that is the format carriers expect. Treat the CRM and the estimator as two separate line items in the budget, not a single purchase decision.
What do the new “AI” features in these tools actually do?
In 2026, the concrete offerings are narrow and specific: policy-language extraction, pulling NOAA weather data to support a claim, and building documentation to challenge a lowball carrier estimate — features Claim Titan and similar platforms now ship as add-ons. They save research time on individual claims rather than replacing the adjuster’s judgment; test the specific feature against a real file before treating it as a reason to switch platforms.
Is there a tool specifically for contents and personal property claims?
Yes — Adjust Square focuses on personal-property and contents estimating specifically, cross-referencing a large consumer product database, which the dwelling-focused tools above do not really cover. Firms handling total-loss or content-heavy claims often run it alongside a dwelling estimator like Xactimate rather than instead of one.
Is this software worth it for a solo adjuster, or only for larger firms?
Most vendors here price in visible solo/single-user tiers precisely because low-volume independent adjusters are more price-sensitive than firms running many claims at once — ClaimWizard sells a distinct single-user package around $99/month, and PACMAN’s entry tier is priced per single user before dropping toward roughly $29/seat once a firm passes 10 users. Compare the single-user tier cost against your actual monthly claim volume before assuming you need a multi-seat plan built for a bigger operation.
Do these platforms lock you into a contract, or can you cancel month-to-month?
It varies sharply across the category, so check before signing. AdjustCRM and PACMAN both market no-contract, month-to-month plans — AdjustCRM offers a 14-day free trial with cancel-anytime terms. Xactimate, by contrast, sells estimating access as a fixed 1-, 3-, 6- or 12-month license that auto-renews, with cancellation typically handled by contacting the vendor rather than a self-serve toggle. Get the term length and renewal terms in writing regardless of which vendor you pick.