PROPERTY DAMAGE INSURANCE CLAIM EXPERTS
Property Damage
Having the right team by your side can make all the difference
United Public Adjusters works exclusively for policyholders, guiding you from first call to final settlement while advocating for everything your policy owes you.
FEATURED AND RECOGNIZED BY
Property Damage Is Stressful Enough. You Shouldn't Have to Navigate Your Insurance Claim Alone.
After a fire, water loss, storm, collapse, or other property damage, you’re suddenly expected to:
- Understand a complex insurance policy
- Document every detail
- Respond to insurance requests
- Coordinate with contractors, consultants, and project vendors
- Coordinate inspections
- Meet important deadlines
- Make decisions that affect your recovery
- Communicate with tenants, boards, and other key stakeholders
We've Helped Thousands of Property Owners Through This Process.
Since 2008, United Public Adjusters has helped homeowners, businesses, boards, nonprofits, institutions, and commercial property owners navigate complex insurance claims.
Whether the loss affects your home, an apartment building, a business, or an institution, the decisions made at the beginning can shape the entire recovery.
$1 Billion+
Recovered
28 States
Licensed
3,000
+
Claims Handled
Since 2008
Serving Policyholders
No Recovery. No Fee.
You pay nothing unless we recover money for your claim.*
From First Call to Final Settlement, Every Detail Is Handled.
INVESTIGATE & DOCUMENT
We inspect the property, document visible and concealed damage, preserve critical evidence, and identify the professionals and information needed to properly present the loss.
ANALYZE & VALUE
We review the policy, develop the repair and replacement scope, and evaluate personal property, business income, additional expenses, and other applicable coverages.
PRESENT & NEGOTIATE
We organize the claim, coordinate inspections and experts, respond to carrier requests, and negotiate from a documented, policy-based position.
RESOLVE & RECOVER
We pursue the claim through settlement, keep you informed, and help coordinate the documentation needed to recover available replacement-cost benefits.
Property Owners We Serve
We work for you, not the insurance company, to manage and settle large loss property insurance claims.
Homeowners & Residential Property Owners
We inspect the property, document visible and concealed damage, preserve critical evidence, and identify the professionals and information needed to properly present the loss.
Request a Complimentary Claim Review
Commercial & Institutional Property Owners
Including apartment buildings, mixed-use, industrial, hospitality, schools, nonprofits, healthcare, and municipalities.
Request a Complimentary Claim Review
Condo, Co-op & Managed Buildings
Including unit owners, boards, managing agents, and building-wide losses
Request a Complimentary Claim Review
SPECIALIZED PAGES: Residential • Business • Commercial • Schools • Non Profit • Municipalities • Religious Institutions • Co-op/Condominium • Hospitality/Hotels • Cyber Security
Claim Types
No matter the damage, we can help.
Built to Manage the Entire Claim
A large loss is never just one claim. It is a construction estimate, a contents inventory, a business income analysis, and a coordinated team of professionals, all governed by policy language.
Building & Construction Estimating
Matterport & Detailed Loss Documentation
Contents & Inventory Valuation
Business Interruption Analysis
Expert & Stakeholder Coordination
We coordinate engineers, environmental consultants, contractors, accountants, and counsel, and we manage complex residential, commercial, and building-wide claims from first notice through final recovery.
Results That Speak for Themselves
CASE STUDY 1
Insurance company offered
Denied
We recovered
$1.2M
CASE STUDY 2
Insurance company offered
Denied
We recovered
$1.2M
CASE STUDY 3
Insurance company offered
Denied
We recovered
$1.2M
CASE STUDY 4
Insurance company offered
Denied
We recovered
$1.2M
CASE STUDY 5
Insurance company offered
Denied
We recovered
$1.2M
CASE STUDY 6
Insurance company offered
Denied
We recovered
$1.2M
Trusted by Property Owners Across the Country
”United Public Adjusters & Appraisers really help get us through the tough after my house fire.
J. HammSmithtown, NY
”I had a extensive flood at my home, two floors of damage. It was way beyond the scope of anything I could handle on my own.
D. NotoPort Jefferson, NY
”I would recommend this company to anyone who needs to put in an home owners claim.
D. McCaySmithtown, NY
Philip Maltaghati
CEO & Co-Founder
A Message From Our CEO
In the years since I founded United Public Adjusters, standing beside property owners through their hardest days, I have learned that a claim is never really about a building. It is about a family that wants to sleep in their own beds again. A business owner who wants to reopen the doors and call the staff back. A board that has to look residents in the eye and tell them everything will be alright.
The day after a loss is one of the hardest days a person will face. But I have watched thousands of people walk through it and come out whole on the other side. Not because the process was easy, but because they did not have to face it alone.
That is the work. We quarterback the entire claim so you can put your energy where it belongs: on your family, your business, and your future. You have my word that our team will advocate for the full recovery available under your policy, communicate with you throughout the process, and make sure you understand where the claim stands and what comes next.
You will get through this. And you will not go through it alone.
Philip has recovered nearly $1 billion for property owners, boards, and businesses nationwide. Featured on ABC News Channel 7 and recognized in City & State New York’s “Who’s Who in Insurance.
Michael Maltaghati
Co-Founder & Senior Licensed Public Adjuster
Anthony DeLorenzo
Senior Licensed Public Adjuster
Ryan Casali
Senior Licensed Public Adjuster
Start With the Right Information
Not ready to speak with an adjuster yet? Start here.
What to Do After a Property Understanding Business Loss
The first decisions matter most. A practical checklist for the days right after a fire, flood, or storm.
Understanding Business Interruption
How lost income coverage works, and why it is the most commonly underpaid part of a commercial claim.
Questions to Ask Before Accepting a Settlement
What to review before you sign, and what a settlement offer may not include.
Frequently Asked Questions
What does a public adjuster do, and how is that different from the adjuster my insurance company sent?
A public adjuster is a licensed professional you hire to represent your interests during a claim. Your carrier’s adjuster is their employee, and their job is to protect the carrier’s financial interests. We work only for you, and we are paid only if we recover money on your claim.
When should I contact a public adjuster?
As early as possible. The sooner we’re involved, the sooner we can document the damage properly, review your coverage, and keep the claim from going in the wrong direction.
Can I hire you if I've already filed my claim?
Yes. We regularly take on claims that are already underway, including ones that have stalled or gone quiet.
What if I've already received a settlement offer?
Don’t accept a low offer before having it reviewed. In many states a claim can be reopened within three years. We can review the claim and go back to your carrier as your advocate.
What if my claim was denied?
Contact us right away. We’ll review the reasons for the denial, gather the documentation needed to file an appeal, and negotiate with your carrier to have the decision reconsidered.
Do you handle commercial and building-wide claims?
Yes. We represent apartment buildings, condo and co-op boards, businesses, schools, nonprofits, municipalities, and institutions, including complex large loss and business interruption claims.
How much does it cost?
There are no upfront costs. Every claim review is complimentary. No Recovery. No Fee. We collect a percentage of the settlement recovered from your carrier, which means we’re only paid when you are.
You Don't Have to Navigate This Alone.
When property damage disrupts your life or business, having the right team by your side can make all the difference. Let our team of experts guide you through the claims process, advocate for your interests, and help you move forward with confidence.
