Who we are & what we do

Reasons to choose our services

Property damage insurance claims

Personal stories of our excellent services

Numbers, Maps & Directions

Why Choose Advocate Public Adjustment L.L.C.?
Because insurance companies have adjusters looking after their interests…shouldn’t you?

Advocate Public Adjustment, LLC will help you maximize your home owners insurance claim settlements – and we make it our priority to put your needs first. With the expertise that comes with a paralegal degree, 20 years of construction experience, and 17 years of full time claims adjusting practice – we guarantee excellent service, sincere, honest practice and a staff that is motivated to be an advocate for you. It is our mission to provide services that allow you to make the decision that will help safeguard what is rightfully yours.  We are your advocate in property damage insurance claims.

Advocate Public Adjustment, LLC will help put the authority for making decisions with whom you can trust it most – you. Insurance adjusters specialize in keeping home insurance claim payout amounts very low. Even if your insurance adjuster is not working against you, which is very rare, he will be responsible for many home insurance claims at once, and could be making huge mistakes with your money. You can help negate all of these issues by filing your own claim if you desire and think you have the time, patience and negotiating skills.

Here are some general tips for filing your home insurance claim:

• Know your policy before making a homeowner insurance claim. Policies are a contract between you and your insurance company. Be informed regarding what is covered, what is not – and what the deductibles are. If you have any questions about the policy, the time to ask is before you need to make a claim. No sense filing the claim if it doesn’t make dollar sense to do so.

• When filing a home insurance claim, Advocate Public Adjustment, LLC will notify the insurance claims hotline immediately. Your policy may require that you make the notification within a certain time frame. We handle everything from start to finish.

• Use of a lawyer – there are times when scope issues develop and or the claim is denied and the services of an attorney may be needed. We do not provide legal advice and when these problems develop you will need a good BAD FAITH Litigation attorney. It is our opinion through our 16 years that there are only a few good ones that specialize in this field of practice.

• Document, document, document. Keeping tabs is important both before you need to make a home insurance claim as well as after you need to make one. Save receipts for items you buy. Photographs and videotapes of your home, both before and after a disaster takes place, are also helpful. Most importantly, take photos or videos of the damage before you begin cleaning or start the repair process.

• Make temporary repairs. If your home is damaged, make whatever temporary repairs you need to protect it, and you, from further damage or injury. These repairs are usually covered by your home owner insurance. Claim advice like this may seem slight, but it can make a big difference. Remember – do not begin any permanent repairs until speaking to us. And, if you make any temporary repairs, be sure to keep copies of your bills, just in case.

Make the decision that will help safeguard what is rightfully yours.

Please remember that we represent you the policyholder and that our personal representations as your personal advocate in property damage insurance claims comes from:

•  17 years… full time working experience in the field of public adjusting and have personally adjusted thousands of claims for ‘Pennsylvania’ property owners just like you!

• National Flood Insurance Program (NFIP)… certified by the statistical agent and bureau that issues flood certification number allowing adjusters to adjust flood claims for ‘Residential’ and’ Mobile Homes.’

• Institute of Inspection, Cleaning and Restoration Certification (IICRC)… when fire, smoke and water cause damage to your property then you must take immediate action. We are certified for the categories of Mold prevention, water extraction, drying out techniques, Smoke and Odor control which are a great source to have on your side when you need it most.

• American Institute for Paralegal Studies… Rick has a paralegal degree from this institute that most certainly helps with insurance contracts and policy interpretation. This background and his knowledge are a key element for his client’s success!

• Licensed… by the state insurance department of Pennsylvania for over sixteen years!

• Bonded… by a private surety company making sure we are trust worthy! Also, we are a member of the BBB.

• Construction… for many years prior to becoming a public adjuster ‘Rick’ was in the construction business as a framing contractor for custom built homes & townhouses, roofing & siding contractor, window installation and deck construction. This makes him an expert in the field for assessing property damage to your home and knows how to maximize insurance adjustments with this background.
   
• Estimating… our estimating software system and service is a real time up to date pricing system that reflects current prices.

• Real Estate… Rick has a real estate license that can be very beneficial for you by keeping you updated about the industry trends as a Seller, Buyer or Investor regarding real time current market conditions & values. It all comes down to property value no matter if you sustain damage, or just want to stay current with what your property is worth. Our expertise in the field of assessing damage, estimating the damage, negotiating your loss and the knowledge of what it takes to settle claims in your best interest…not the insurance companies is our specialty!

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WHAT TYPES OF CLAIMS ARE COVERED UNDER THE TYPICAL INSURANCE POLICY?
 
Great question…that really depends on the insurance policy you purchased. This is why we offer a FREE Policy Evaluation.

Have questions…Ask the Public Adjuster click here

Click here to see how our Claims Kit can empower you.

Service Areas:

Philadelphia, PA Bucks County Levittown Doylestown Quakertown 
Montgomery Huntingdon Valley Norristown
Delaware County
Broomall
Upper Darby
Chadds Ford