Northeast Claims Adjusters represents residential property owners exclusively. We work for you, not your insurance company.
Our licensed public adjusters handle your entire claim from initial documentation through final settlement. We remove all burden from you.
We know how insurance companies operate because we've negotiated thousands of residential claims in New York, New Jersey, Connecticut, and Pennsylvania.
Your home suffered fire damage, water damage, or storm damage. You filed a claim expecting your insurance policy to cover the loss.
Instead, your insurer denied the claim entirely. Or they offered a settlement that barely covers a fraction of repair costs. Or they're demanding mountains of documentation while delaying payment for months.
This happens because insurance companies profit by paying less. Their adjuster works for them, not you.
Insurers use predictable tactics to minimize homeowner payouts. They claim your damage was "pre-existing" or resulted from "lack of maintenance."
They cite obscure policy exclusions buried in fine print. They undervalue repair costs using outdated pricing data.
They overwhelm you with paperwork requirements. They pressure you into accepting fast, low settlements before you understand the full extent of damage.
According to the National Association of Insurance Commissioners, thousands of residential property claims are disputed every year. Homeowners without professional advocacy typically receive 40-60% less than they deserve.
Your insurance policy requires you to prove your loss. The insurer doesn't have to prove anything.
You must document every damaged item. You must obtain repair estimates. You must understand complex policy language while dealing with the emotional trauma of property loss.
Most homeowners lack the expertise to prepare claims that maximize settlements. Insurance companies know this and exploit it.
Insurers employ specific strategies to reduce homeowner payouts. Recognizing these tactics helps you understand why professional advocacy matters.
Your roof suffered wind damage during a storm. The insurer argues the damage existed before the storm, citing normal wear and tear.
We obtain weather data from NOAA showing storm severity. We hire engineers who document how specific damage patterns match the storm event. We prove the loss resulted from a covered peril.
Insurers calculate "actual cash value" by depreciating materials and labor. A ten-year-old roof gets valued at 30% of replacement cost, leaving you severely underpaid.
We fight for replacement cost coverage where applicable. We document policy provisions that limit depreciation. We recover the full amount needed to restore your home.
Water damage from a slow pipe leak gets denied because the insurer claims you neglected maintenance. They say you should have discovered the problem sooner.
We demonstrate that hidden leaks aren't discoverable through reasonable maintenance. We reference case law supporting coverage for gradual damage when the homeowner had no knowledge of the problem.
Your policy includes sub-limits that cap payouts for specific categories like jewelry, electronics, or water backup damage. Insurers apply these limits broadly to reduce payouts.
We review sub-limit applicability carefully. We challenge incorrect sub-limit applications. We maximize coverage under all available policy sections.
Insurers delay settlements by requesting documentation repeatedly. They ask for receipts from five years ago. They demand contractor estimates before authorizing inspections.
We know what documentation is legitimately required. We push back on unreasonable requests. We file complaints with state insurance departments when delays become bad faith.
Insurers employ specific strategies to reduce homeowner payouts. Recognizing these tactics helps you understand why professional advocacy matters.
Your roof suffered wind damage during a storm. The insurer argues the damage existed before the storm, citing normal wear and tear.
We obtain weather data from NOAA showing storm severity. We hire engineers who document how specific damage patterns match the storm event. We prove the loss resulted from a covered peril.
Insurers calculate "actual cash value" by depreciating materials and labor. A ten-year-old roof gets valued at 30% of replacement cost, leaving you severely underpaid.
We fight for replacement cost coverage where applicable. We document policy provisions that limit depreciation. We recover the full amount needed to restore your home.
Water damage from a slow pipe leak gets denied because the insurer claims you neglected maintenance. They say you should have discovered the problem sooner.
We demonstrate that hidden leaks aren't discoverable through reasonable maintenance. We reference case law supporting coverage for gradual damage when the homeowner had no knowledge of the problem.
Your policy includes sub-limits that cap payouts for specific categories like jewelry, electronics, or water backup damage. Insurers apply these limits broadly to reduce payouts.
We review sub-limit applicability carefully. We challenge incorrect sub-limit applications. We maximize coverage under all available policy sections.
Insurers delay settlements by requesting documentation repeatedly. They ask for receipts from five years ago. They demand contractor estimates before authorizing inspections.
We know what documentation is legitimately required. We push back on unreasonable requests. We file complaints with state insurance departments when delays become bad faith.
