What can an unlicensed assistant do for a public adjuster, and what stays with the license?
The license does the negotiating. The assistant does the rest of the file.
An unlicensed assistant can take most of the paperwork off a public adjuster: building the claim file, tracking deadlines, preparing estimate comparisons and supplement packages for review, and scheduling. Many states base their rules on the NAIC's public adjuster model law, which requires a license to solicit clients, advise insureds, investigate or adjust losses and negotiate for the insured, and exempts people employed only to gather facts or give technical assistance to a licensed public adjuster. That second group is where an assistant works. Neon Link gives public adjusters one dedicated, full-time claims assistant who works on that side of the line remotely from the Philippines on your US hours, for $2,995 a month, month to month, with no setup fee. State rules differ, and some states limit who may contact the carrier at all, so your licensed adjuster decides what your assistant handles.
Rates come from our live rate card. Page updated .
See 3 candidate profiles for your role
Tell us the role. Within 48 hours our team emails you 3 anonymized profiles from people who applied for this kind of work with us: their experience, their region and the software they use.
What your Linker handles
- Build and organize the claim file: the contract, policy, photos, estimate, carrier letters and notes, where your adjuster can find them
- Track the deadlines your adjuster sets and remind them early
- Where your state allows it and your adjuster directs, send documents to the carrier and confirm receipt and inspection dates, and log every touch with a name and a date
- Prepare supplement packages and side by side estimate comparisons for your adjuster to review and send
- Schedule inspections and reinspections, and confirm them with the client and the carrier
- Give clients status updates your adjuster has approved, and route every coverage question to your adjuster
- Track payments and mortgage endorsements, and prepare your fee invoice for your review
We screen for Xactimate, Symbility, ClaimWizard, CompanyCam and Matterport where you run them, plus Google Workspace or Microsoft Office. If a finalist has not used yours, you'll know before they start.
How the work is measured
What your Linker is measured on. The targets are set with you in the first week, from your volumes and your hours, and written into your statement of work.
- Every coverage or advice question routed to your licensed adjuster, never answered by the assistant
- Supplement packages reviewed by your adjuster before anything goes to the carrier
- Every carrier touch logged with a name, a date and the next step
- Every deadline your adjuster sets tracked with a reminder
What a team costs
| Team | Month to month | 6-month plan |
|---|---|---|
| 1 Linker | $2,995 | $2,895 |
| 2 Linkers | $5,990 | $5,790 |
| 3 Linkers | $8,985 | $8,685 |
| 4 Linkers | $11,980 | $11,580 |
| 5 Linkers | $14,975 | $14,475 |
| 6 Linkers | $17,970 | $17,370 |
Per month. 40 hours a week per Linker. No setup fee. Prices from our live rate card.
How we vet your Linker
Our recruiting team in the Philippines runs a strict screening and review of every applicant, using a process built by our founder, Dan Betthauser, from twenty years running outsourced operations across the Philippines, Costa Rica and the United States. Every Linker goes through:
- A screen of the application against your role: the work, the software and the experience you need
- A recorded spoken English sample, reviewed by our team
- A practical skills test for your work, scored in our own system
- A live video interview with our recruiting team
- An ID check and a background check: NBI clearance in the Philippines, police clearance in India and Pakistan
- A workspace check before day one: a quiet, private room, wired internet, a backup connection and a plan for power outages
- A signed confidentiality agreement before they see any of your data
- Your own interview with the finalist: nobody starts until you say yes
How it starts
- Step 1Tell us the work: a 15 or 30 minute call with our team, or the sixty second scope on the homepage.
- Step 2Get a written quote at the published rate, held for 30 days.
- Step 3We recruit and screen for your work and your software, and you interview the finalist before they start.
- Step 4Your Linker works your queue on your hours. A Neon Link manager runs the account and answers when you need them.
- Step 5If the fit is wrong in the first 60 days, we swap them at no cost.
A good fit, and not a fit
- Public adjusters who want help but are unsure what an unlicensed person may do on a claim
- Companies that already use office assistants and want one more who works your rules remotely
- Soliciting clients or signing contracts with them. In most states that takes a public adjuster license
- Advising a client on what their policy covers or whether to accept an offer
- Negotiating or settling with the carrier, or appraisal and umpire work
- On-site inspections at the property
Open roles behind this page
We recruit for this work now. These are the live postings we hire your Linker from:
See 3 candidate profiles for your role
Tell us the role. Within 48 hours our team emails you 3 anonymized profiles from people who applied for this kind of work with us: their experience, their region and the software they use.
Questions owners ask
How much does it cost to outsource claims support for a public adjuster?
$2,995 a month for one dedicated, full-time person (40 hours a week), month to month, or $2,895 a month on the 6-month plan. There is no setup fee, and pay, equipment and management are inside that one number. For comparison, a US insurance claims clerk costs about $5,780 a month fully loaded, using the BLS median wage plus employer costs.
Can the assistant talk to the carrier at all?
Only as your licensed adjuster directs and your state allows: sending documents, confirming an inspection date, asking whether a supplement was received. Anything that argues the value of the claim or what the policy covers is adjusting and negotiation, and that stays with your licensed adjuster. Some states treat any contact with the carrier on the insured's behalf as licensed work, so check yours before your assistant calls a carrier.
Can the assistant talk to our clients?
Yes, for updates your adjuster has approved, document requests and scheduling. When a client asks what the policy covers or whether to accept an offer, the assistant writes the question down and gets your adjuster on the phone.
How is this different from hiring a virtual assistant?
You get one dedicated person who handles your work on your hours, inside your software, and a Neon Link manager runs the account: pay, equipment, replacement if it comes to that, and a phone that gets answered. You never run offshore payroll or manage a freelancer alone. It is not a ticket queue or a 24/7 answering line.
How fast can someone start?
We start recruiting when you say go. You interview the finalist before anyone starts, and the start date is set with you once you pick the person. We would rather take the time to find the right fit than hand you whoever is free.
What if the person is not the right fit?
If the fit is wrong in the first 60 days, we swap them at no cost. After that, if they leave, we recruit the replacement at no charge and manage the handover. Training on your process runs at the normal monthly rate.
Do we have to sign a long contract?
No. Month to month is available on every plan. The 6-month plan trades a longer commitment for a lower monthly rate. A written quote at the published rate is held for 30 days.
Related pages
- Public Adjusters and Claims: Claim file build, carrier follow-up, supplements, Xactimate and Symbility support, scheduling, homeowner communication.
- Claims assistant for public adjusters: What a dedicated remote claims assistant costs a public adjuster a month, and the file, follow-up and client update work they take off your adjusters.
- Xactimate claims assistant for public adjusters: Side by side estimate comparisons, supplement packages, claim file upkeep in ClaimWizard and carrier follow-up, for public adjusters who estimate in Xactimate.
1 US insurance claims clerk, fully loaded: ~$5,780/mo How we calculate this
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