The question is whether or not the broker’s adjuster can afford to properly document and settle your claims while sharing fees.  To offset their adjustment expenses some brokers recommend their public adjusters service your loss at the NYS legal maximum of 12 1/2%. Example, if a public adjusting firm normally charges their clients 10%, but in your case has to split their fee (typically 50%) with your broker, your adjuster is now working for a 5% fee. If your broker suggests you contract for the 12 1/2% fee your broker’s’ public adjuster is now making 6 1/4%, as well, the adjuster’s business expenses must come at a lower cost in order to obtain a profit margin close or equal to the industry standard of 10%. Since large losses are very expensive to adjust and there is no shortcut for documenting damages, using underpaid third party labor to sift through and account for your belongings could present a host of risks. There are many scenarios and business arrangements that may work in fee splitting, such as your broker referring a stream of clients to his preferred public adjuster.  Ultimately, its a call you have to feel comfortable with.