Hurricanes Are Relentless. Your Public Adjuster Should Be Too.

Hurricanes bring an influx of disaster that no home or business is ever ready for. Maybe you evacuated for the storm of the century and came back to a house in the rubble. Or maybe you waited the storm out, listening to the howling winds and pelting rain.

Hurricanes are devastating. Whether the storms hit New Jersey, the Carolinas, or Florida, they leave destruction in their path. Hurricanes are merciless. You know them by name—Sandy, Florence, Michael, Katrina, Irene, Irma. And you’re left with the heartbreaking clean-up. Damaged houses, lost possessions. Forced to rebuild or relocate. It’s emotional and overwhelming.

You’re thinking about what to do minute-by-minute or hour-by-hour. You’re not thinking about your insurance company. Your insurance company isn’t thinking about you either. They want to protect their financial interest, and that includes minimizing your claim. They know you’re vulnerable after a disaster, and that’s the best time to settle with a low bid.

With United Public Adjusters, we make sure that insurance companies don’t take advantage of our clients. We fight for you and make sure you get the most for your claim. We’re with you from the beginning to the end.

We will fight fearlessly on your behalf and assess:

BUSINESS PROPERTY DAMAGE / Business Owner Policy (BOP), including:

  • Business Personal Property (BPP) including Property located in or on the buildings at the described premises or in the open (or in a vehicle) within 100 feet of the described premises. This can include property you own or lease (office furniture, equipment, and inventory), as well as tenant’s improvements and betterments.
  • Improvements and betterments are permanent fixtures, alterations, additions or installations to a building by and at the expense of the tenant.
  • Business Interruption intended to provide funds necessary while a business’ operations are suspended as a result of damage caused by a covered peril. Business interruption pays a business’s net profit or loss before income taxes and continuing operating expenses, including payroll.
  • Extra Expense  covers expenses while mitigating the business loss, or increased costs in continuing business in the wake of a loss. Reimbursement can include moving a covered business to a different location while the covered property is restored.
  • Business Income intended to help you cover loss of income if your business has to temporarily close due to damage caused by a covered loss.
  • Equipment breakdown covers your equipment, including computers.
  • Crime insurance covers your business from fraud, theft, and forgery.

RESIDENTIAL PROPERTY DAMAGE / Homeowner Policy, including:

  • Dwelling, Other Structures, and Personal Property.
  • Ordinance or Law which provides coverage in the event that building codes (placed after a structure was built) require additional features not contained in the covered structure at the time of loss

Loss of Use including:

  • Additional Living Expense  pays the costs of living in a temporary location (hotel, house or apartment rental) if a covered loss makes the damaged home unlivable.
  • Fair Rental Value pays for lost rental income while a property is inhabitable.


  • Property Damage  including buildings, fixtures, machines, furnishings, raw materials, and inventory.
  • Business Interruption intended to provide funds necessary while a business’ operations are suspended as a result of damage caused by a covered peril. Business interruption pays the net profit or loss of a business before income taxes and continuing operating expenses, including payroll.
  • Extra Expense  covers expenses while mitigating the business loss, or increased costs in continuing a business in the wake of a loss. Reimbursement can include moving a covered business to a different location while the covered property is restored and can include equipment breakdown coverage.
  • Contingent Business Interruption includes benefits to cover lost profits and extra expenses resulting from damage to a third party’s property.
  • Ordinary Payroll Coverage  provides for salaries as a continued expense and can include hourly employee expenses.
  • Loss of Rents pays for lost renter’s income while a property is restored.
  • Extended Period of Indemnity covers business interruption and extra expense benefits beyond the period of restoration.
  • Civil Authority  covers business income benefits during mandatory evacuations.
  • Utility Services – Time Element extends business income and extra expense insurance coverage for losses caused by a utility that provides a business with water, power, or communications.
  • Loss of Ingress or Egress coverage for when ingress to or egress from real and personal property is prevented.


Enter your information below and one of our Claim Intake Specialists will contact you shortly.

When to call a Public Adjuster:

  • The claim is complex, and you just don’t have the knowledge/time to submit a claim.
  • The insurance company is not moving quickly to get you money for recovery.
  • Your business suffered building damage, business personal property damage,
    resulting in loss of income.
  • You need an advocate on your side to get you a fair and equitable settlement.
  • The insurance company denied your claim.
  • The insurance company unfairly underpaid your claim.

Experience A Public Adjuster’s Help

Hurricane claims are complex. With hurricanes, you may experience water damage, wind damage, and flooding. With all insurance, the policy governs the storm damage. Not all water and wind damage may be covered.

The same questions apply to your business. What does your business policy say about hurricane damage? What about structure damage? What if you have to shut down your business until it’s repaired? What if you lose out on profits? How will you pay your employees? Or your regular business expenses?

With so many questions about hurricane damage, you need to have someone in your corner. During this confusing and frightening time, let United Public Adjusters maximize the claim for your benefit by getting you the compensation you deserve.


  • Upon receiving your call, a public adjuster will personally come out to inspect the site of the damage. After we have assessed your property, we will evaluate existing insurance policies to determine what coverage may be applicable to your claim. We keep your best interest in mind throughout every step of the process.

  • After the damage you’ve experienced, we feel you’ve suffered enough. Allow us to handle all research regarding business interruption losses, personal property losses, and determine values for settling covered damages. We’ll even prepare, document, and file all claims on behalf of the insured, so you can focus on getting your business and life back to normalcy.

  • We act as a liaison between you and your insurance company. Oftentimes there is a knowledge gap between the insurance company and the insured, leaving ample space for the insurance company to manipulate the claim dollar. With our expertise, we understand just how policies are upheld, and will use our knowledge to fight on your behalf.

  • After extensive claim negotiations, our public adjusting team ensures our clients receive the maximum amount of claim compensation. Your business and property may have suffered, but with our help your life can move forward with ease. When the unexpected occurs, we’ll be your support system to get you the compensation you deserve.

We utilize our understanding of construction, insurance policy language, standards and laws to defend policyholders, like YOU!


I recently had a major pipe break due to all this cold weather at my house. Luckily a family friend of mine recommended Anthony from United Public Adjusters. I’m so glad we signed up with him, from start to finish the claim was seamless. I didn’t have to stress about the insurance company or vendors working on my home. Anthony was there to help every step of the way. Thank you United Public Adjusters.
cole partenza
cole partenza
02:18 30 Jan 19
In April a car drove through my Commercial building causing extensive structural damage. It was recommended I hire Mike Maltaghati of United Public Adjusters. There is no way I would have secured anything remotely close to what I received without their help.They are proficient in dealing with the Insurance carriers and have computer programs that determine costs and estimates to insure accurate compensation. Dealing with Insurance Companies is as big a nightmare as incurring the loss. The very best investment you can make is to hire someone looking out for your best interest and in doing so, the compensation required to protect your best interest far outweighs doing it yourself. You are way ahead playing it smart with a Company that knows how to secure what you are entitled to. I would highly recommend Mike, James and their Staff to tackle any issue that involves an Insurance Claim.
Jody Yetti
Jody Yetti
06:15 07 Nov 18
Hiring United Public Adjusters was the best decision we have ever made! They handled everything for us, explained the whole process to us and made us feel at ease during a difficult time. They also made sure we got what we were entitled to. I highly recommend!
Elana Brynes Schoppmann
Elana Brynes Schoppmann
21:45 24 Oct 18
We recently had a devastating fire in our home. It started in the central vacuum unit in the garage, and the smoke quickly spread throughout the rest of the house. Before the fire was even out, the phone began ringing with all sorts of unsavory insurance operators looking to take advantage of our misfortune all to make a quick buck. They often posed as officials from the Fire Department - they are not. (As a retired Lieutenant from the FDNY, I can assure that these calls are ALWAYS fraudulent). We knew immediately just who we needed to call. Back in 2012, our neighborhood, being the lowest lying area in NYC, was the epicenter of the Sandy Storm. We had over 3’ of salt water and fuel oil throughout the 1st floor of our newly finished home- the kitchen, the dining room - everywhere. United Public Adjusters was on the scene before the tide was even out, and remained with us for months navigating the Byzantine insurance industry procedures. There are many ways to make a bad situation worse as a homeowner in dealing with them on your own. DO NOT EVEN THINK OF TRYING TO DO THIS YOURSELF!!! Their agents are carefully trained to appear empathetic to your situation and you WILL be caught off guard. Maybe some of them are; but make no mistake- they are in the profit business and have their company’s interest first and foremost. That Storm was a nightmare for us, but Phil and James at United Public Adjusters and the service they provided helped us immeasurably in our recovery. When the fire happened a few months back, I immediately called Phil and James and within a half hour of it being extinguished, they arrived, assessed the situation, and started making phone calls. Despite the late evening hour, crews began arriving and setting up evacuation fans and sealing off the contaminated areas of the house with heavy plastic sheeting- zippers and all. Technically, we had three separate policies in force. Over the next few months they dealt with them all unflinchingly, always keeping us apprised of the progress along the way, and always being available for our calls. They left no stone unturned in holding these companies accountable in meeting their obligation to us, the homeowners. They know all the procedures and all the ins and outs of what you are entitled to. Without their expertise, you WILL NOT get what you have coming- we would probably have lost money if we dealt with them ourselves. I repeat myself, but can’t say it enough: God forbid you have any of these life- changing disasters occur in your life, ignore all the phone calls from the “ambulance chasers” and call someone you can trust. They are the best in the business.
Eugene OReilly
Eugene OReilly
16:23 24 Aug 18
United Public Adjusters handled my claim when I had a fridge line fail. My house was flooded and I did not know the proper steps to get my home back to a normal living standard in a timely manner. Mike, Anthony, and James from United were there every step of the way to make sure all of my contents were properly documented and hand held me through the process to ensure the insurance carrier gave me the proper amount to bring my home back to the way it was. They answered all my calls and questions with professionalism and allowed me to get back into my home.
Chris Occhipinti
Chris Occhipinti
02:32 07 Feb 19
Yes, you can really believe all the 5 star reviews.I had a house fire on New Years Eve last year and this company represented me and got everything taken care of. They worked with my insurance company to take care of professional dry cleaning of remaining clothing, contents review and assessment, temporary hotel housing, a rental house and getting my house rebuilt. They earn their money by taking a cut of what the insurance company pays out so there is nothing out of pocket to you. Immediately following an event like a house fire, a lot of slimy people will approach you looking for work. United Public Adjusters is actually a company you can trust. Personal, responsive service and high quality people.
16:35 12 Feb 19
I can't say enough good things about United Public Adjusters. I had a house fire in Lido Beach. At first we thought the house could be repaired but after I hired United Public Adjusters, Phil Multaghati came to my residence looked at the damage and immediately told me that the house was a total loss and needed to be rebuilt. From that moment forward Phil and his team including James Southard did a great job of managing my family's expectations. On top of that, they worked with the insurance company and got my famiy the money we needed to rebuild. Having a house fire is a devastating situation. The idea of fighting the insurance company by myself seemed very daunting. I strongly recommend United Public Adjusters for anyone with a house fire not just for a good financial result but for peace of mind for you and your family
edward deicke
edward deicke
15:21 25 Apr 19
We hired Philip Maltaghati from United Public Adjusters almost TWO months after the fire damage in our Brooklyn townhouse. Like many homeowners, we started by negotiating the claim directly with the insurance company, while hoping to be fairly treated. But in reality, insurance company always has a better hand than the insured. In our case, the insurance company used multiple tactics to delay the process and devalue the claim, including minimizing the scope of repairs. The moment we had Philip on board, the insurance company fired its independent adjuster and replaced with a much more senior, large claim adjuster. Because Philip and United Public Adjusters have such a good reputation in the industry, it changed the power dynamics in our negotiation. Ever since then, it’s a home run. We improved the claim settlement by more than 100%. Besides Philip, other members of United Public Adjusters, including James Southard, Paul Zendler, and Joanna Pawlowska, are getting work done professionally and responsibly.Well, if you are Daenerys Targaryen, and you want to take back the Seven Kingdoms, which truly belongs to you, you better have Philip Maltaghati and United Public Adjusters as your dragons.
Vanessa Wang
Vanessa Wang
00:38 20 May 19
Philip at United Public Adjusters was a life saver. We had a fire in Queens and he came to the house the very next day to walks us through the claims process. He guided us with a calmness that eased our anxiety. Insurance gave an initial payment and Philip fought to double it. Thank goodness he did because the work needed would have greatly exceeded what the insurance offered to us. Do yourself a favor and call Philip with any disaster situation.
Paul Chung
Paul Chung
16:25 21 Jun 19
Our nightmare started when an adjacent building construction caused severe structural damage to our multi family limestone building in Bushwick BROOKLYN. Philip Maltaghati and James Southard from United Public Adjusters are absolutely amazing. From their communication with the client to their determination to get us the best possible outcome. We attempted to go through the insurance adjuster on our own and only received 30k from the damages. After searching on google for a public adjuster, we found United Public, and Phil picked up the phone right away. Next day he was at our home, advised us he could assure a larger settlement. That he did, over 6 times more than our claim. Again, thank you Phil and team.
francisco picado
francisco picado
21:30 30 Jul 19
I was pleasantly surprised and have only good things to say about Philip and Michael Maltaghati of United Public Adjusters. They are very professional and experienced in assessing property damage and negotiating with the insurance company to get the most money and fast results.Michael and Philip Maltaghati are reliable, they always answered any question I had and they have great communication skills. I would highly recommend them to anyone looking for an adjuster.
Boaz Smolarchik
Boaz Smolarchik
00:50 19 Aug 19
There is a learning curve when it comes to getting a fair insurance settlement...Phil and his entire team are experienced in all the nuances and have helped me with both business and personal claims. I could not recommend them more highly!
Lawrence Jaeger
Lawrence Jaeger
09:07 19 Aug 19
Philip Maltaghati and James Southard of United Public Adjusters are amazing. They handled a claim for my business that involved water damage due to a plumbing freeze on the roof of the building that houses my business in Manhattan. I lost a significant portion of my inventory, incurred substantial loss of business and had extensive damage to property. I would have never been able to recover without their expertise. Their insurance knowledge is very impressive, they are reliable, responsive and are fierce negotiators. Without their expertise, it is doubtful that my business would've collected enough for it to fully recover.
David Zarin
David Zarin
22:10 19 Aug 19
Last year, our newly-purchase Manhattan (Upper West Side) condominium was severely damaged by a substantial water leak (more like a flood) from an apartment above us before we were able to move in. 1/3 of our apartment was destroyed, including custom cabinets, the wood flooring, mechanicals and electrical panels, and an entire bathroom. We didn't know where to turn, as we had never experienced anything like that before. Our insurance company was less than helpful (completely unresponsive) at first. After careful research, my wife discovered United Public Adjusters online, so we gave Philip Maltaghati a call. He was super responsive, and walked us step-by-step through the damage documentation process. He helped us find the best water remediation firm in the city, and they were at our apartment within 24 hours with fans and dehumidifiers. (Our building management company said it would be at least 3 days before they could have dehumidifiers there.) Throughout the process, he was relentless in documenting the damage and negotiating with our insurer to make sure we received the appropriate amount of reimbursement for the extensive damage we sustained. Phillip and his partner, James Southard, were super responsive, communicative, and tenacious throughout the process. We couldn't have done it without United Public Adjusters, and I can unequivocally recommend them.
Aziz El-Tahch
Aziz El-Tahch
01:17 20 Aug 19
We live in Queens and had an unfortunate water damage/pipe burst in January of 2019. As many of you know, dealing with insurance companies is a full time job so we decided to hire United Public Adjusters to help us with this process. It was the best decision we ever made. Philip Maltaghati and his team helped us along the way, from opening a claim, finding a rental home, renting a furniture, fighting for every penny and most importantly getting paid properly and on time. They are extremely knowledgeable and professionals in this field. If it wasn’t for them, we would still be hopelessly fighting with State Farm. I highly recommend United Public Adjusters and Phil Maltaghati and his team.
Satik Nalbandian
Satik Nalbandian
13:24 20 Aug 19
I could not have moved forward without United Public Adjusters. The proceed moved forward seamlessly and was incredibly well managed. Many Thanks!
Tanya Manuali
Tanya Manuali
17:15 21 Aug 19
Wanted to thank Phil and Mike Maltagotti and the whole United public adjuster’s for the excellence of work. They handled my families electrical fire claim and received maximum value for their loss.We appreciate their hard work and consistency and recommend this company because of their professionalism in the craft. They answered all of our questions and concerns and followed up with the insurance company to make sure everything went smoothly.
Gianpiero Ciminna
Gianpiero Ciminna
17:27 23 Aug 19
When I had a major fire life was turned upside down. My family was going through some very challenging times as it was, then our insurance carrier was fighting me every step along the way and not giving us what we were entitled to and needed to rebuild our home. I didn’t know where to turn and that’s when I Anthony, Mike, Phil and the team at United Public Adjusters that literally came in and saved me from the complex, long and drawn out process of settling an insurance claim alone. They dealt with the insurance carrier and all the contractors and third parties for me. It was a pleasure working with them and I would not be back in my home today if it weren’t for them.
Stan Kadank
Stan Kadank
13:06 22 Oct 19
Phil and Mike from United Public Adjusters helped us handle our claim with insurance when a tree fell on our house during storm. They made sure the process went smoothly and in a timely manner. They are experts in this field and took care of every possible details in dealing with insurance. I highly recommend their service! Thank you for helping us rebuild and get settled back in our house as soon as possible.
Faritha Rafi
Faritha Rafi
03:53 19 Nov 19
Philip Maltaghati represented me and my family after we suffered extensive water damage from a leak in our refrigerator. He was very professional, easy to contact during the process, and responsive. His knowledge of the insurance process is extensive, and his top-notch negotiation skills meant that we received a full and fair payout for our loss.I would highly recommend Phil and the team at United Public Adjusters.
Chris Vickery
Chris Vickery
18:52 26 Nov 19
I cannot recommend Phil and his company more! They came promptly the day of the flood in our Chelsea town house in Manhattan to address our issues. We had extensive water damage which ruined 2 floors and the basement, due to a burst pipe over the winter. Phil hired the best team of professionals for the job. In addition to his services, he has great resources to match your needs for any job. They connected us with a team if people who throughly cleaned the town home, brought in heaters to avoid mold, and one of the best local contractors who began the job immediately. Two floors were demoed in 5 days and the contractor had one of the best architects I have worked with. Within a few months the entire job was finished. The townhouse was restored to its pristine condition, including the venetian plaster and mahogany floors. Phil dealt with the insurance in a highly efficient time and manor. He is the best at what he does. He would be my first choice if I ever had another issue in the future.
Linda Ensko
Linda Ensko
18:24 04 Dec 19


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