Ask An Adjuster Franchise Cost, Revenue & Review 2026
- Investment
- $125K – $160K
- Disclosed sales
- partial, no system average
- SBA charge-off
- Not SBA-matched
Data from FDD filing
Analysis by FranchiseVerdict Research · Methodology
Ask An Adjuster is a financial services franchise providing independent insurance claims adjusting and property damage assessment. Franchisees run local operations, inspecting claims and preparing reports for fees.
FranchiseVerdict summary · 2026
A Ask An Adjuster franchise requires a total initial investment of $125K – $160K, including a $50K franchise fee and an ongoing 20.0% royalty[2]. The 2025 FDD on file does not yield a unit-revenue figure we can publish. FranchiseVerdict grade: C (Average), an editorial assessment, not investment advice. Run a live ROI scan →
Limited operating history: franchising since 2024. A system this young has fewer than three years of Item 20 outlet history and rarely enough SBA loans for a charge-off rate, so its grade rests on less evidence than an established system's. Read its Item 20 tables and talk to its first franchisees before relying on the grade. Other new franchisors
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: medium - issued 12 to 24 months ago; a newer filing is likely on file
Evidence: strong✓ Investment (Item 7)✓ Item 19 status✓ Units and owners (Item 20)✗ SBA loan coverage✓ Litigation (Item 3)✓ Financial statements (Item 21)✓ Franchisor identityhow this is scored5 of 5 headline figures on this page cite a page of the filing.
Overview
- Investment
- $125K – $160K
- 75th pct Financial Ser…
- Avg gross sales
- N/A
- Company-owned only
- Royalty
- 20.0%
- 48th pct Financial Ser…
- Units
- 10
- 18th pct Financial Ser…
- SBA charge-off
- N/A
Quick verdict · Financial Services · color = vs category peers
Green = favorable by >10% vs Financial Services median · No shading = within ±10% · Red = unfavorable by >10% · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Bottom line
- COSTTotal investment $125K – $160K including a $50K franchise fee, 20.0% ongoing royalty.
- RETURNSItem 19 prints 2024 Total Income for the franchisor's affiliate LLCs, and the largest ($12,518,065, Space Coast) rolls up several LLCs over an area larger than one franchise territory. No single-territory range is published, so none is shown here.
- RISKVerdict C (Average), verdict score 41/100 (higher is better).
- GROWTHPositive: net +1 franchised outlets in the latest year (1 opened, 0 closed) (Item 20).
- DATAItem 19 reports outlet revenue, but not in a form that yields a per-outlet average we can compare across brands. Ask franchisees directly for full unit-level revenue.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- Ask an Adjuster Franchisor LLC
- CEO title
- Founder & CEO
- Kevin Downs
- Incorporated in
- FL
- HQ
- 744 North Drive, Suite A, Melbourne, FL 32934
- Auditor
- Gatto, Pope & Walwick, LLP
- Audited financials
Overview
About
- CEO
- Kevin Downs
- Headquarters
- FL
- Founded
- 2006
- FDD year
- 2025
- States available
- 1
Can you afford it, and what does the money buy?
Entry cost runs 51% above the typical financial services franchise.
Source: FDD 2025 · Items 5–7
Full Item 7 breakdown13 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Feenot refundable | $50K | $50K | |
| Initial Required Training Expenses | $10K | $10K | |
| Cost of Office Setup | $6K | $8K | |
| Public Insurance License Training and Fee | $0 | $5K | |
| Office Equipment, Computers, Office Supplies | $10K | $15K | |
| Branding Materials and Signage | $3K | $5K | |
| Grand Opening Marketingnot refundable | $3K | $5K | |
| Vehicle Insurance | $1K | $2K | |
| Travel & Living Expenses While Attending Initial Training | $3K | $5K | |
| Business License and Permits | $200 | $1K | |
| Insurancenot refundable | $5K | $8K | |
| Professional and Legal Feesnot refundable | $4K | $6K | |
| Additional Working Capital Funds (First Three Months) | $30K | $40K | |
| Total initial investment | $125K | $160K |
Line items extracted from FDD Item 7. Ranges reflect the franchisor's stated low and high per line. Total is the sum of line-item lows / highs — actual costs may fall outside this range depending on market and build-out scope.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $125K – $160K
- Bottom third — review vs category
- Liquid capital req'd
- $30K – $40K
- Bottom third — review vs category
- Franchise fee
- $50K – $50K
- Middle of category vs category
- Royalty
- 20.0%
- typical 6–8%
- Ad fund
- 2.0%
- typical 3–5%
- Total fee load
- 22.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 20.0% of gross sales |
| Marketing / ad fund | 2.0% of gross sales |
| Technology fee | $175 |
| Training fee | $10K |
| Transfer fee | $0 |
| Renewal fee | $0 |
| Total fee load | 22.0% of rev |
What do units actually make?
Source: FDD 2025 · Item 19
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
No Item 19 revenue figure for Ask An Adjuster is on file. The return models need a revenue figure to start from, and the operating costs that turn gross sales into a profit are in no FDD. Enter your own and the calculator runs on your assumptions — nothing here is modelled until you do.
Returns model · single-unit ROIC
What would one Ask An Adjuster unit return on the cash you put in?
Illustrative category typicals — not sourced to any filing, survey or sample. Replace them with figures from franchisee validation calls before you rely on the output.
Unlevered ROIC · per unit
Your modelled return on total invested capital, before any debt financing.
—
An FDD discloses gross sales, not profit. We hold no sourced figure for annual revenue, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
These models are for research and scenario planning only. Not investment advice. Actual results depend on your specific location, management, and market conditions. Consult a franchise attorney and accountant before signing any franchise agreement.
Item 19 · Source: 2025 FDD
Financial Performance
Item 19 prints 2024 Total Income for the franchisor's affiliate LLCs, and the largest ($12,518,065, Space Coast) rolls up several LLCs over an area larger than one franchise territory. No single-territory range is published, so none is shown here.
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Fee burden
Total ongoing fee load of 22.0% — above the Financial Services median of 16.5%.
Disclosure
Item 19 reports outlet revenue, but not in a form that yields a per-outlet average we can compare across brands.
Multi-unit rate
Only 2% of franchisees own multiple units. Could indicate challenging economics or a young system where operators haven't had time to expand.
Source: FDD Item 19 financial performance representations and publicly filed FDD data. Past performance is not indicative of future results. Verify all figures with the franchisor and current franchisees before making any investment decision.
vs Financial Services medians
How Ask An Adjuster Compares
Category median of published Financial Services brands that report the figure; the middle half spans the 25th to 75th percentile and n counts the brands behind it. Medians are used because a few very large systems pull an average far from the typical brand. Revenue is disclosed gross sales, not profit.
Is the system healthy?
Source: FDD 2025 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 10
- Opened
- 1
- Last reporting year
- Closed
- 0
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- N/A
- Company-owned
- 9
- Corporate units in the system
- % franchised
- 10%
- vs corporate-owned
- Multi-unit owners
- 1.8%
Last fiscal year · Item 20 exits and transfers
- Terminated
- 0
- Not renewed
- 0
- Transferred
- 0
- Reacquired
- 0
- Franchisor bought back
- Signed, not yet open
- 0
- 0.00 per open outlet · Item 20 Table 5
- Projected new
- 2
- Franchisor's next-year forecast
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 12 · 1 state reported
The Territory Map
FDD Item 12 reports the state count, but the specific list isn't in our current data. The map will appear once we re-extract from the FDD or enough franchisee contacts are available.
1
states with franchisees (per FDD Item 12)
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
No SBA loan data available for this brand.
What could kill this investment?
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Litigation (Item 3)
Subject: officers or affiliates. The franchisor is not a named party in these cases.
None disclosed in Item 3
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Gatto, Pope & Walwick, LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Audited statement of operations for period of inception (August 14, 2023) through December 31, 2024; franchisor reported $0 revenues and a net loss of $8,357. No franchise agreements had been executed as of December 31, 2024. Only one fiscal year is presented.
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- Kickbacks from required suppliers: No
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 41 / 100 verdict
- 01MINOROnly 10 units systemwide with unknown growth trajectory — extremely small and potentially stagnant network
- 02MINOR20% royalty on gross revenue is at the high end of insurance adjustment industry (typical: 10-15%)
- 03MINOR7-year term is longer than industry standard (5 years typical) with higher commitment risk
- 04MEDNo litigation disclosure provided — incomplete transparency on disputes
- 05MINORFranchise fee ($50K) represents 40% of minimum investment — disproportionately high upfront cost
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 22.0% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2025 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 7 years |
|---|---|
| Renewal term | 7 years |
| Allowed renewalsℹ | 3 |
| Territory type | Exclusive territory |
| Protected territory | Yes |
| Exclusive territoryℹ | Yes |
| Territory population | 1,000,000 |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | No |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 25 mi |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Arbitration location | Melbourne, Florida |
| Jury trial waiver | No |
| Governing law | State where franchisee's business is located |
| Litigation count | 0 |
View Item 3 litigation summary
None disclosed in Item 3
Items 10, 11
Training & Operations
- Classroom training
- 20 hrs
- On-the-job training
- 19 hrs
- Training location
- Melbourne, Florida (company headquarters)
- Ongoing training
- Required
- Field support
- 20 hrs/yr
- On-site visits per year
- Time to open
- 3 mo
- From signing to launch
- Franchisor financing
- Not offered
- Item 10
- POS system
- Xactimate
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Xactimate
Item 20 · call current owners
Franchisee Contacts
57 owners to call
Name · phone · city · state. Extracted from FDD Item 20
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Ask An Adjuster franchise?
The total investment to open a Ask An Adjuster franchise ranges from $125K – $160K, with an initial franchise fee of $50K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Ask An Adjuster franchise owners earn?
Item 19 of the Ask An Adjuster FDD discloses figures for part of the system but no single average across all outlets. These are gross sales figures, not profit; the Revenue section shows what the filing reports and on what basis. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Who owns Ask An Adjuster?
Ask An Adjuster is franchised by Ask an Adjuster Franchisor LLC. Source: FDD Item 1, 2025 filing.
What is Item 19 in the Ask An Adjuster FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the Ask An Adjuster FDD and qualifies whose outlets they describe.
What is Ask An Adjuster's franchise failure rate?
SBA 7(a) loan charge-off data is not available for Ask An Adjuster (fewer than 10 loans on file). Charge-off rates are one way to gauge franchise risk, but not all franchise loans go through the SBA program. We recommend reviewing turnover and closure data in the FDD and speaking with current franchisees.
How many Ask An Adjuster franchise locations are there?
As of their most recent FDD filing, Ask An Adjuster has 10 total units in the United States, including 1 franchised units and 9 company-owned units. 1 new units were opened in the latest reporting year.
Is Ask An Adjuster a good franchise to buy?
FranchiseVerdict rates Ask An Adjuster as a C-grade franchise with a verdict score of 41 out of 100 (higher is better). The grade is a deterministic score built from six weighted dimensions — financial health, unit economics, unit growth, scale, legal, and transparency — then calibrated against SBA loan charge-off rates and FDD age. Transparency is one of the six, so a filing that discloses less scores lower on that dimension than one that discloses more. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
For franchisors
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.