Government Municipalities Benefit from Retaining Public Adjusters

Municipalities are integral parts of communities and can include a gamut of properties, including:

• school districts
• fire departments
• sanitary sewer buildings
• composting plants
• public transportation buildings
• public libraries
• health departments
• public parks
• water resource management facilities
• police departments
• courts
• town recreation departments
• administrative offices
• marine ports
• golf country clubs/driving ranges
• recreation centers
• media labs
• nature centers
• playgrounds
• basketball courts
• beach facilities
• marinas
• ice skating rinks
• skate parks
• tennis courts
• Wi-Fi parks

Building Damage & Business Personal Property  

At the core of any municipality is serving its people and as you can see from the expansive amount of real-estate occupied by municipalities, when faced with property damage from perils such as a flood, fire, frozen pipes, water damage, construction damage, hurricane, or other weather-related perils, maintaining operations is key. United’s experience with complex construction and real-estate knowledge allows us to quickly build a claim in your favor, to attain crucial funds to rebuild.

An unexpected financial hit to your buildings can put your operations at risk as various business personal property can be damaged by a property disaster. For example:

  • IT – computers, tablets, printers, projectors, desks, media equipment
  • kitchens- ovens, microwaves, refrigerators, walk-in freezers, ingredient inventory
  • pool maintenance products and equipment
  • gym exercise equipment
  • sports flooring, sports equipment, uniforms, and maintenance equipment
  • musical instruments

Business Interruption & Extra Expense

So, what happens if a municipality’s operations become affected by a property disaster? Often, while State and Local Government staff manage the initial chaos of ensuring safety and stability and distributing communication so that everyone is informed, the business interruption and extra expense insurance claim becomes a second priority. This tradeoff often delays access to crucial insurance funds to keep the operations running. In addition, a lack of experience in handling complex claims increases the probability of the cost to fix the damage to become transferred on to taxpayers.

Add Us to Your List of Emergency Resources

There are many moving parts and a requirement of an exuberant amount of time needed to manage a municipality property insurance claim correctly and to submit relevant and sufficient information to the insurance company. In addition, knowledge of insurance policy language is key in ensuring a successful settlement. Often municipalities just do not have the experience to manage claims. United Public Adjusters & Appraisers Inc. understands the complexity and urgency associated with managing a property insurance claim for municipalities. We utilize our experience and knowledge to manage the claim on your behalf to ensure that you receive maximum insurance funds to rebuild as quickly as possible.


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

Pre-Loss Contracts 

Including an adjuster to your emergency response team ensures that the financial risk associated with property disasters is mitigated. This approach also allows your staff to focus on operations when disasters happen, while we advocate on your behalf to ensure you receive maximum funds to rebuild as quickly as possible. United is currently offering pre-loss contracts to ensure that an advocate is ready to help after a property disaster. We welcome the opportunity to discuss your needs and to establish pre-loss contract terms. Our contracts are tailored to your specific needs.

Our Competitive Advantage

United credits the following elements to its success:

Approach.  We hold the insurance company accountable and create urgency to settle the claim quickly.

Strategy. We reduce everything to writing to ensure a diligent process in attaining quick ROI.

Experience. Management of over $100 million in claims nationwide, positions us as an industry expert.

Skills. Expertise in valuation, policy interpretation & construction/real-estate experience produces results. We know how to package a claim and present it to the insurance company.

Contact United Public Adjusters today to schedule a meeting so that we can become a resource in your most crucial time of need.


  • We will personally inspect your property.

    Our construction and real-estate knowledge allows us to account for all damage so that you attain proper compensation to fully rebuild.

    We will create detailed lists of damaged items and ensure no stone is left unturned.

  • We will conduct research to determine values for your damage. (building & contents)

    Next, we will evaluate your existing insurance policies for applicable coverage.

    We keep your best interest in mind throughout every step of the process.

  • We will liaison between you and your insurance company.

    UPA understand just how policies are upheld, and we will use our knowledge and strategy to fight on your behalf while keeping you in the loop throughout the process.

    Our approach is to provide you with peace of mind throughout the entire claim process.

  • We ensure maximum compensation in the least amount of time.

    Because we know policy language inside out, we won’t allow the insurance company to put your claim settlement in a corner.

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
When my home in Jamaica, Queens caught on fire, Michael and his team arrived on-site within only an hour after the incident. Obviously being our first time dealing with said situation it was extremely confusing and stressful, but my family and I knew we were in good hands. Michael took the time to thoroughly explain next steps including claim submission, restoration and mitigation, and even temporary relocation. Michael and his team dealt directly with our insurance company, so we didn’t have to. Within a couple of months our home was in the process of being rebuilt. Thank you United Public Adjusters & Appraisers, Inc. for making this grueling process run as smoothly as it could possibly be. I would strongly recommend!
Thad Mangar
Thad Mangar
00:32 04 Feb 20
I'm so grateful to have had Philip Maltaghati, James Southard and Nancy Black on my side after a recent catastrophic house fire in Albany. It was a very unsettling experience and I didn't know how to proceed. Nancy was at my site immediately after I contacted her. Their team worked quickly to help mitigate the damaged structure, and they were extremely diligent in determining the value of both the structural damage and personal property lost. My insurance company was extremely difficult to work with but with the expertise of this team and Phil's excellent negotiating, I was able to get a very fair settlement. I am now well-positioned to move on after this tragedy and can't imagine where I would be if I hadn't hired this company.
Lisa M
Lisa M
20:17 14 Feb 20
United Public Adjustors led by Philip Maltaghati and accompanied by his dedicated staff made every aspect of a flooded basement with extensive water damage a seamless experience. We are located in Rutherford, NJ and contacted Philip on a holiday during which he immediately went to work for us. He literally took the stress of the incident off our shoulders. His expertise, individualized care and negotiation skills were top notch. Our experience with Philip and his staff was on par with the aforementioned throughout the entire process. On multiple occasions we contacted Philip and his staff after hours and on weekends and each time they took the time to make sure that we were comfortable and informed. My wife and I kept commenting to one another how great the service was. This man and his staff know every aspect of insurance and they give you the piece of mind you need during a stressful time. If you have a similar need I can say with 1000 % confidence bar none that Philip Maltaghati and United Public Adjustors will meet and exceed your expectations during the entire process.
marc amatucci
marc amatucci
13:40 28 Feb 20
I chose not to use a public adjuster to settle my fire claim with a large insurance company. After 10 months of aggravation and a lot of my time and energy, we finally arrived at a mutually satisfactory settlement. During this process, I called Michael and Philip and they generously used their expert knowledge to answers questions that I had about dealing with the insurance company - all at no charge. In 20-20 hindsight, I would have been much better served engaging United Public Adjusters in the first place and letting them earn their fee. I hope and pray that I will never have a future claim, but if I do, I would not hesitate for a moment to engage United Public Adjusters! They are true experts at what they do and they are real gentlemen. I highly recommend them, without reservation, to anyone who has an insurance claim.
Viking Man
Viking Man
17:19 14 May 20
I can't say enough about Phil and his team. They made the process look very easy. The managed to get the maximum amount. After a fire broke out and destroyed the building, I called Phil. Phil, does not waste any time, and gets straight to work. Believe everyone of the reviews you read about United Public Adjusters. They are all true. Reviews go along way. I will most certainly recommend Phil and his team. Simple: Call United Public Adjusters, and let them lead the way.Thanks For everything!!!!
Lior L
Lior L
14:24 06 Apr 20
I have been working with United Public Adjusters & Appraisers for the last 12 years and they are amongst the most intelligent, hard working, dedicated, passionate public adjusters I know. Their attention to detail is immaculate and their advocacy for their customers is endless. I highly recommend them.
Frank winston
Frank winston
14:06 29 Apr 20
Superior and exceptional job but Philip Maltaghati and United Public Adjusters. Every step of the way gave me more and more peace of mind during a situation that was rather unsettling. They were extremely reliable, had impeccable communication skills at all times of day and night, showed great knowledge of insurance industry and process and fiercely negotiated on our behalf with a successful result. Don’t think, call them.
Joe Richards
Joe Richards
13:46 14 Sep 20


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