Ask An AdjusterFranchise Cost, Revenue & Review 2026
Data from FDD filing
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]. Per the 2025 FDD, average unit revenue was $9.0M[2]. Verdict grade: A. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $125K – $160K
- 60th pct Financial Ser…
- Avg gross sales
- $9.0M
- 26th pct Financial Ser…
- Royalty
- 20.0%
- 32nd pct Financial Ser…
- Units
- 10
- 16th pct Financial Ser…
- SBA default
- N/A
Quick verdict · Financial Services · color = vs category peers
Green = >15% above Financial Services avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Each dollar invested generates 63.3x in gross revenue, well above the typical 1.5-2.5x range.
Started franchising in 2024. Newer systems carry more uncertainty but may offer better territories.
Bottom line
- Total investment $125K – $160K including a $50K franchise fee, 20.0% ongoing royalty.
- Average unit revenue of $9.0M/year.
- Verdict A (Top Quintile) with a risk score of 40/100.
- Emerging franchise: only 2 years of franchising with 10 units. Early-stage systems carry higher risk but may offer better territory availability.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- ASK AN ADJUSTER FRANCHISOR, LLC
- Incorporated in
- FL
- HQ
- 744 North Drive, Suite A, Melbourne, FL 32934
- Auditor
- Gatto, Pope & Walwick, LLP
- Audited financials
- Franchisor revenue
- $0
- Most recent fiscal year
Overview
About
Ask An Adjuster franchisees operate as independent insurance adjusters, inspecting property damage claims and preparing detailed assessment reports for insurance companies and claimants. Revenue derives from per-claim fees or hourly adjusting work, with franchisees managing client relationships, licensing compliance, and local marketing to build claim volume.
- CEO
- Kevin Downs
- Headquarters
- FL
- Founded
- 2023
- FDD year
- 2025
- States available
- 1
FDD Item 7 · 2025 filing · 13 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.
Single-unit · estimated
Returns at a glance
Indicative numbers using FDD Item 7 / Item 19 inputs and category-benchmarked cost ratios. Full single-unit, 25-unit portfolio, and LBO models (with every input editable to stress-test your own scenario) live on the financials page.
Store EBITDA · annual
$90K
1.0% margin
Unlevered ROIC
51%
EBITDA / total invested capital
Payback
24 mo
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $125K – $160K
- Near category avg vs category
- Liquid capital req'd
- $30K – $40K
- Near category avg vs category
- Franchise fee
- $50K – $50K
- Near category avg vs category
- Royalty
- 20.0%
- Gross Revenue · 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 | $25 |
| Renewal fee | $25 |
| Total fee load | 22.0% of rev |
At 22.0% total fee load, roughly $1980K per year goes to the franchisor before you pay a single operating expense.
Financial Performance
- Avg gross sales
- $9.0M
- Per unit, per year
- Median gross sales
- N/A
- Item 19 type
- Affiliate
- Sample size
- 3 units
- vs category median 97 · small
- Range (low → high)
- $1.4M→$16.6M
- Cohort dispersion (min → max)
- Transparency
- 0 / 5
- vs category median 0 / 5 · typical
Compared against 58 Financial Services brands
Revenue is 63.3x the investment midpoint. At typical franchise margins, this suggests a payback under 3 years.
vs Financial Services averages
How Ask An Adjuster Compares
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
- 0.0%
- Company-owned
- 9
- Corporate units in the system
- % franchised
- 10%
- vs corporate-owned
- Multi-unit owners
- 1.8%
3-year detail · Item 20
- Transfers (3yr)
- 0
- Projected new
- 2
- Franchisor's next-year forecast
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 10 states with active franchisees
The Territory Map
Derived from franchisee contact records. Shows states with at least one current operator. Not where the franchisor is registered to sell new units (that data is re-extracting in a future refresh).
States derived from franchisee contact records (FDD Item 20). Shows states with at least one current operator on file. Full state registration data (Item 12) will appear on a future FDD refresh.
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.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Extreme caution warranted: undisclosed financials, microscopic unit count, high royalties, franchisor going concern status, and minimal transparency create substantial investment risk.
Litigation (Item 3)
No litigation required to be disclosed
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Gatto, Pope & Walwick, LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- 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 40 / 100 rating
- 01MINORNo financial performance disclosure (Item 19) — cannot validate $124.7-$159.5K investment ROI claims
- 02MINOROnly 10 units systemwide with unknown growth trajectory — extremely small and potentially stagnant network
- 03MINOR20% royalty on gross revenue is at the high end of insurance adjustment industry (typical: 10-15%)
- 04HIGHGoing Concern designation indicates financial instability or operational uncertainty at franchisor level
- 05MINOR7-year term is longer than industry standard (5 years typical) with higher commitment risk
- 06HIGHNo litigation disclosure provided — incomplete transparency on disputes
- 07MINORFranchise fee ($50K) represents 40% of minimum investment — disproportionately high upfront cost
Severity inferred from the FDD text · not a regulatory classification
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 7 years |
|---|---|
| Renewal term | 7 years |
| Allowed renewalsℹ | 3 |
| Territory type | Population |
| Protected territory | Yes |
| Territory population | 1,000,000 |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | Florida |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation required to be disclosed
Items 10, 11
Training & Operations
- Classroom training
- 20 hrs
- On-the-job training
- 19 hrs
- Training location
- On-site and corporate
- Ongoing training
- Required
- Time to open
- 3 mo
- From signing to launch
- POS system
- Xactimate
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Xactimate
Item 20 · call current owners
Franchisee Contacts
12 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Ask An Adjuster · FDD (2025) PDF
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?
According to Item 19 of the Ask An Adjuster FDD, the average gross sales per unit is $9.0M. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
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 A-grade franchise with a risk score of 40 out of 100, based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. 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.
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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.