JAMES SOUTHARD

Senior Licensed Public Adjuster & Business Interruption Specialist

Licensures
Licensed Public Adjuster in 20 states (CA, CT, DE, FL, GA, LA, MA, ME, MN, NC, NJ, NV, NY, OH, PA, RI, SC, TN, VA, VT and District of Columbia).

Policy Interpretation • Financial Accuracy • Large-Loss Expertise

James Southard is a Senior Licensed Public Adjuster with United Public Adjusters & Appraisers, Inc., licensed in 20 states including NY, NJ, CT, and PA. Since 2016, he has successfully represented policyholders in over $500 million in property damage claims, from complex business interruption cases to large-scale commercial and residential losses.

Business Interruption & Policy Expertise

With a Master of Science in Accounting from Hofstra University and certifications as an Appraiser and Umpire (IAUA), James leads UPA’s Business Interruption Team, where he:

Builds Financial Recovery Models: Which involves analyzing records, calculating lost income, and quantifying damages.
Interprets Policy Language: James ensures contracts are applied correctly to maximize client benefits.
Detects Errors: James excels at catching miscalculations, transposed figures, or overlooked terms that could cost policyholders thousands.

Field Representation & Negotiation

Beyond financial analysis, James is hands-on in the field, where he:

Works alongside fire investigators, carrier adjusters, and engineers.
Presents evidence and asks the critical questions that carriers avoid.
Negotiates for essential benefits, such as additional living expenses, that insurers often resist.

Client-Focused Accuracy

James is recognized for his meticulous attention to detail and commitment to full claim recovery. Whether uncovering a minor accounting discrepancy or exposing a major oversight, he ensures policyholders receive every dollar they are owed.

Licenses:

Contact James

james@unitedpublicadjusters.com

UPA Team

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Over 500 Million In Claim Settlements Across the USA!

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