Insurance Adjuster Partner Program

You See the Damage First. Give Homeowners a Clear Next Step.

Every homeowner asks the same question once you've documented the damage: "who should fix this?" Otter Quotes is a neutral next step — the homeowner gathers competing bids from licensed, insured local contractors on their own terms. It's not a recommendation of any one contractor, and it's completely separate from how the claim itself is handled.

Otter Quotes is not a public adjuster and does not negotiate or advise on insurance claims.

Get My Referral Link See How It Works

Check your employment agreement and your governing licensing agency to make sure it is lawful for you to accept referral fees.

Simple as Four Steps

Set it up once. Earn on every job that closes.

Sign Up in 60 Seconds

Enter your name, contact info, and employer. We generate your unique referral link instantly — no approval process, no waiting.

Share Your Link When You Document Damage

Hand it to the homeowner on-site, text it, or include it in your file notes. Takes five seconds. Works alongside any claim, regardless of how it's ultimately settled.

Otter Quotes Handles the Contractor Side

The homeowner gets matched with local contractors who bid competitively. We make your research easy by gathering licensing, insurance, and review information all in one place. They compare bids, choose their contractor, and sign a contract — all through the platform.

You Earn $200

When a job over $10,000 completes, you get paid. No chasing checks — we track every referral and pay automatically. Bonus: if you recruit another adjuster to Otter Quotes, you earn an extra $50 every time one of their referrals completes a $10K+ job.

Why It Works for Adjusters

Homeowners Trust What You Documented

You confirmed the damage. They trust your file. That's the highest-intent moment in the entire process — the homeowner isn't browsing, they have a real repair that needs to happen.

A Better Experience Than Searching Alone

Otter Quotes gives contractors everything they need to bid accurately — measurements, material specs, documentation. Homeowners get bids on exactly what they need. No high-pressure sales pitches, no being ghosted after a site visit. Just apples-to-apples bids and a simple signing process.

Works Alongside Any Claim Path

Whether the homeowner is working through a covered claim or paying out of pocket, Otter Quotes handles both. You send one link and let the platform take it from there.

Zero Effect on Your Claim Handling

Sharing your referral link never touches how you scope, evaluate, or settle the claim. Otter Quotes only steps in after coverage and claim decisions are made — it helps the homeowner find a contractor, nothing more.

You Don't Have to Manage Anything

No contractor coordination. No follow-up. No chasing homeowners. You share the link and Otter Quotes does the work. Your dashboard shows your referral status in real time.

Homeowners Are in Good Hands

We make your research easy by gathering licensing, insurance, and review information all in one place, so homeowners can compare with confidence. They review multiple bids with a signed contract before any work starts.

$200

Per Completed Job Over $10,000

+ $50

For Every Job From a Partner You Recruit

Know another adjuster who'd benefit? Share your recruit link and earn $50 every time their referral completes a job over $10K. One level — simple, transparent, no MLM.

A completed IRS Form W-9 is required before your first commission payment is issued.

Commissions are paid after job completion and approval — typically within 14 days of completion.

Get Your Referral Link

Takes less than a minute. Free to join.

First Name

Last Name

Phone

Employer / Adjusting Firm

Adjuster Type (optional)

Who Told You About Us? (optional)

By signing up, you agree to our Terms of Service. Referral commission ($200) and recruit bonus ($50) paid on jobs over $10,000 that complete through the platform.

Check your employment agreement and your governing licensing agency to make sure it is lawful for you to accept referral fees.

You're In — Here's Your Toolkit

Five ways to put your link to work. Use whichever fits your workflow.

Referrals Sent

Jobs Completed

Commissions Earned

🔗

Your Referral Link

Every homeowner you send through this link is tracked back to you.

🤝

Your Recruit Link

Share this with other adjusters. You earn $50 every time one of their referrals completes a job over $10K.

💬

Text Message Template

Edit the name, then paste into any text thread with the homeowner. Works on iPhone and Android.

📧

Email Template

Copy this, paste into a new email, fill in the bracketed fields, and send. Takes 30 seconds.

📋

File Note Insert

Paste this into your file notes or the "Contractor Resources" section of your report so it appears automatically.

Questions

The homeowner lands on a page that explains the Otter Quotes process and walks them through getting competing contractor bids. They enter their info, and Otter Quotes handles everything from there — matching them with local contractors (whose licensing, insurance, and review information is gathered in one place so they can compare with confidence), collecting bids, and getting a contract signed.

No. Referring a homeowner to Otter Quotes has zero effect on how you scope, evaluate, or settle their claim. Otter Quotes is not a public adjuster and does not negotiate or advise on insurance claims — it only helps the homeowner find a contractor after coverage and claim decisions have already been made independently.

No. Once you share the link, Otter Quotes takes it from there. You can check your partner dashboard to see the status of any referral, but you don't need to manage anything.

Commissions are paid after job completion and approval — typically within 14 days of completion. A job "completes" when the contractor finishes the work and the final payment clears. If someone you recruited to Otter Quotes sends a referral that completes, you also earn a $50 recruit bonus — paid on the same schedule.

Any exterior repair or replacement job over $10,000 that completes through Otter Quotes — roofing, siding, gutters, windows. Covered claims and out-of-pocket (retail) jobs both qualify. Jobs under $10,000 don't earn a cash commission, but we still handle the homeowner professionally.

This is a straightforward referral arrangement — you refer a homeowner to a contractor bidding platform, and you may earn a commission when they complete a job through it. Otter Quotes does not influence your claim work in any way. Whether you're permitted to accept a referral fee depends on your employer's policies and your state's adjuster licensing rules, so check both before you participate.

Otter Quotes is 100% free for homeowners. They get a better outcome (competing bids, a signed contract, deductible protection) at no cost to them.

When you bring another adjuster to Otter Quotes using your recruit link, you earn $50 for every job over $10,000 that their referrals complete. It's one level only — you earn on the people you personally recruit, not on anyone they recruit. Your recruit link is on this page after you sign up, and on your partner dashboard.