An Insurance Adjuster Representing the Public
Serving New Jersey & Pennsylvania
When you have a loss, your 1st instinct is to call your insurance company to get immediate help.
What will happen when you call them is you will initially be given a "Claim Number". Your claim will then
be assigned to an adjuster who will call you and set up an appointment to inspect your damage. When
he gets there, and depending on the severity of your loss, he may issue an advance payment to cover
some immediate expenses for clothing. He may also try to get you placed in temporary living quarters
until your property can be restored to its "Pre-Loss" condition.
Ideally, contacting a Public Adjuster from the start may get things moving faster, and also make certain
that you receive all the benefits your policy has to offer. For example, although that adjuster may find
you a place to live temporarily, it may not be an ideal situation. What you may not know is that Your
policy covers the cost of allowing you to live somewhere similar to what you already have. This is
particularly important of you have a large family. As your Public Adjuster, I have a network of realtors
who will find you a home, close to yours, that is similar in size and amenities.
"It is the responsibility of the insured to submit an estimate of damages".
The next step is assessing your damage. The insurance company's adjuster will come to your home and
eagerly compile an estimate to repair your damage. His responsibility is to keep repair costs to a
minimum, as it would be in the best interests of the insurance company. As a public adjuster, I work for
YOU. My job is to protect your best interest. I'll assess your damage, and having over 40 years of
experience in the construction industry, I'll compile an estimate that reflects the repairs that I feel are
necessary to bring your property back to its "Pre-Loss" condition. Together, we will review the estimate
and then submit it to the insurance carrier. The company's adjuster will most likely request a meeting to
discuss differences between his estimate and ours. We will ultimately arrive at an amicable settlement
we feel is sufficient to make quality repairs to your damaged property.
If you've also incurred damage to your personal belongings (contents), you are required under the terms
of your policy to make a list of all your damaged belongings. This can be a very tedious, time-consuming
and mentally straining undertaking for the average homeowner or business owner. My team will handle
this process for you. We will make a detailed list of all your damaged belongings, including the cost and
age of each item, and then upon your review and approval, will present it to your insurance company in
the required format.
Public Insurance Adjuster
Ocean County, Warren County, Morris County, Sussex County, Forked River, Chester,
Netcong, Monmouth County, Stillwater, Fredon, Livingston, Essex County
My job is to relieve you of the time, stress and complication from an already stressful event.