Residential Property Insurance Claims in Pennsylvania
For most homeowners, a property insurance claim is one of the most significant financial transactions they will ever navigate, usually under stress and without prior experience. The insurance company sends their own adjuster to manage the process. You need an advocate of your own to represent your interests.
Real Results for Pennsylvania Homeowners
Real Results on Fire and Water Damage Claims
Loren in Mount Wolf was offered $698 for hail damage to her roof, siding, and personal property. We recovered $46,000.
Jeff in Abbottstown was offered $4,000 for his wind- and water-damaged roof and interior. We recovered $52,000.
These are not anomalies. They reflect the gap between what insurance companies initially offer and what policies actually require them to pay, a gap that professional documentation and advocacy closes.
The Biggest Mistake Homeowners Make
Improper documentation.
Insurance companies will not take a policyholder’s word for it. Everything must be documented, and that means everything. Photos of all damage before any cleanup begins. Receipts for every expense related to the loss. Notes with dates and details. Text messages, emails, and written correspondence. Estimates and invoices from contractors and vendors.
This includes not only repair expenses but also additional living expenses: increased utility bills, transportation costs, temporary housing, and other out-of-pocket costs that may be covered under your policy if documented correctly. If it is not documented, it may not be recoverable.
What We Do for Homeowners
From the moment we are retained, we take over all communication with the insurance company, completely removing that burden from the homeowner. Every submission is accurate, comprehensive, and professionally presented. Every covered item is identified. No estimate from the carrier is accepted that fails to reflect the full scope of the loss.
And if your claim has already been denied or underpaid, that is not the end. We review the basis for the denial, identify covered damage that was conflated with excluded conditions, and document the claim clearly for resubmission or supplementation.
Contingency-Based Representation
There are no upfront fees. Our fee, typically 10 to 20 percent of the recovered settlement, is assessed only after the claim is resolved in your favor. If no additional recovery is made, there is no fee. We also take on smaller claims that many other firms decline, because every policyholder deserves fair representation.
What Our Clients Say
“We had hail and wind damage on our rental property. Our insurance company stated ‘normal wear and tear’ — claim denied. RJ assisted in getting the roof completely covered. We actually worked again with RJ on our personal home — again, initially denied — again he came through. He refuses to give up.”
— Pamela & Stephen R., York PA
“RJ thoroughly evaluated my property and was able to identify many items, even those not directly associated with the roof itself, that still fell under the same root cause for the insurance claim that I wouldn’t have thought of, and can’t say my insurance company would have knowingly, or voluntarily, evaluated with the same detail.”
— Michael C., New Oxford PA
Frequently Asked Questions
What should I do immediately after property damage?
Two things: mitigate the damage by calling a contractor or mitigation company to stop any ongoing loss, and document everything before any cleanup begins. Photos, notes, receipts, all of it. Then contact us before accepting any offer from your insurance company.
My claim was already denied. Is it too late?
Not necessarily. Denials can often be challenged, supplemented, or escalated through the insurance appraisal process. We review the basis for the denial and tell you honestly what options are available.
Do you handle smaller claims?
Yes, and this is one thing that sets us apart from many public adjuster firms. We take on smaller claims because the principle is consistent: every insured homeowner deserves fair representation.
Explore Our Services
Our Locations
Wherever you’re located, you’ll have an experienced advocate on your side. Our local teams understand the unique challenges property owners face after a loss and are committed to helping you secure the full and fair settlement you deserve.
Every inquiry receives a direct response. Initial claim consultations are always free and carry no obligation to proceed. All information shared is treated with complete confidentiality.
Not sure if you need a public adjuster? Reach out anyway. We will give you an honest answer.
- (717) 894-4944
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5 Ivy Circle,
Hanover, PA 17331 - Monday–Friday, 7 AM–5 PM
High volume, personal attention. Every claim is managed with the same standard of thoroughness.
We recover tens of millions of dollars in claims every year for policyholders across Pennsylvania and beyond.
PA, MD, NJ, VA, NC, GA, and TX. We handle claims remotely across all seven.
Contingency-based representation. Our interests are perfectly aligned with yours.