Philip Maltaghati

CEO & Co-Founder, United Public Adjusters & Appraisers, Inc.

Licensures
Licensed Public Adjuster in 28 states (CA, CO, CT, DC, DE, FL, GA, LA, MA, MD, ME, MN, MO, NC, NH, NJ, NV, NY, OH, OK, PA, RI, SC, TN, TX, UT, VA, VT, Puerto Rico and US Virgin Islands).

Senior Licensed Public Adjuster | National Claims Advocate | Large Loss & Complex Property Specialist

Philip Maltaghati helps property owners, business leaders, condominium boards, and high-net-worth homeowners recover the full insurance payouts they deserve after fires, floods, storms, cyberattacks, building collapses, wildfires, and other disasters. As CEO and Co-Founder of United Public Adjusters & Appraisers, Inc., he has personally managed and overseen over $1 billion in property damage claims across more than 20 states; overturning denials, accelerating settlements, and protecting clients from underpayments and carrier delays. Whether it’s a luxury residence in Long Island, a high-rise in Manhattan, a hotel portfolio, or wildfire losses in California, Philip and his team deliver results that restore properties, and peace of mind, faster.

Background & Early Career

Philip’s passion for advocacy was shaped early on, growing up in a household where protecting others’ rights was a core value. With his mother in management and his father serving as a Union Delegate, he learned the importance of fairness, negotiation, and persistence. These are the qualities that would later define his career.

Before entering public adjusting, Philip spent nearly a decade (2002–2012) with one of the nation’s largest investor-owned energy-delivery companies, managing complex electrical systems and substation operations. His experience with technical systems, maintenance oversight, and contractor coordination built the foundation for the operational precision he brings to insurance claims today.

In 2005, after Hurricane Katrina, Philip and his brother Michael were introduced to the public adjusting industry when asked to assist property owners with damage assessments. Shocked by how insurance companies delayed, underpaid, and denied claims, the brothers recognized the urgent need for stronger advocacy. This inspired the founding of United Public Adjusters & Appraisers, Inc. in 2008, a firm built on transparency, technical expertise, and relentless policyholder representation.

Disaster Claims Leadership

Over the past 19 years, Philip has managed claims from nearly every type of catastrophe including Hurricanes Irene, Sandy, Irma, Henri, Ida, Ian, countless winter storms, nor’easters, macrobursts, microbursts, building collapses, and even cyberattacks causing millions in business interruption losses.

Philip is licensed in multiple states, including New York, New Jersey, Florida, Pennsylvania, and Connecticut, and has represented policyholders in 20+ states nationwide. This broad licensing enables him to handle claims for both regional clients and those with multi-state property portfolios. His reach has also expanded westward, where he has guided homeowners through catastrophic California wildfire claims.

Representing policyholders across the country, he has overseen over $1 billion in property damage claims, helping families, boards, and businesses recover after catastrophic events. His expertise spans apartment buildings, hotels (Marriott, Hilton Garden Inn, Holiday Inn Express, and non-chain hotels), condominium and cooperative buildings, and large-scale high-rise fire losses. He is also known for his ability to interpret proprietary leases, offering plans, and by-laws, relieving stress for boards of managers and property management firms who regularly turn to United Public Adjusters & Appraisers during crises.

Wildfire & Catastrophic Loss Advocacy

Most recently, Philip has been on the front lines of the California wildfires, representing homeowners in Pacific Palisades whose properties were completely destroyed. Many of these losses were total, leaving homes unrecognizable. Handling these claims required creativity, persistence, and deep technical expertise.

By leveraging aerial imagery, detailed client interviews, building department records, and his construction background, Philip and his team prepared comprehensive claims covering both building and personal property damages. These efforts resulted in millions of dollars in recoveries for policyholders, despite insurers creating unnecessary delays and roadblocks.

Not every family Philip spoke with became a client as some believed that because they were underinsured, they would automatically receive their policy limits without professional representation. Still, Philip took their calls, freely providing guidance on how to read their policy, document their losses, and assert their rights. Homeowners often called back to thank him, grateful for the insight during a moment of complete devastation. For many, the loss of a home was only part of their burden. They also faced uncertainty around locating schools for their children, how to commute to work, how to keep up with mortgage payments, and what their future looked like. Philip’s willingness to help, even when he wasn’t personally managing the claim, reflected the same philosophy that guides all of United Public Adjusters & Appraisers’ work: policyholders come first, no matter what.

Philip continues to advocate aggressively as many claims remain open, guiding families through decisions to either rebuild at their original locations or purchase new homes elsewhere, unlocking additional replacement cost benefits within policy limits.

Media Recognition & Industry Thought Leadership

Philip’s expertise has earned him widespread recognition:

Featured as a subject matter expert on ABC News / Channel 7’s On Your Side with Nina Pineda, where he educated homeowners and businesses on documenting claims, understanding policy coverages, avoiding unfair carrier tactics, and navigating delays or underpayments.
Selected for City & State New York’s “Who’s Who in Insurance”, recognizing him as a leading figure shaping the state’s insurance and risk management landscape.

Leadership at United PA

As CEO, Philip continues to actively manage claims, while also focusing on:

Strategic negotiation planning on complex files.
Mentoring adjusters and staff to ensure technical precision across departments.
Overseeing construction estimating, personal property valuations, business interruption claims, and extra expense documentation.
Driving firm-wide growth initiatives, acquisitions, and national expansion.
Building United PA’s profile as the go-to public adjusting firm for high-stakes claims.

Community Engagement & Board Service

Philip is deeply committed to community service and nonprofit leadership. His current and past roles include:

President, Bronx Advisory Board of the Madison Square Boys & Girls Club
Board Member, Madison Square Boys & Girls Foundation (Corporate Board)
Member, Queens Chamber of Commerce
Proud Member of Vistage, the world’s leading CEO peer advisory organization
Former President, 57-story Condominium Board (800+ units, Midtown East, NYC)
Former Vice President, Executives’ Association of NYC

He also actively supports nonprofit causes through his work with the Tunnel to Towers New York Golf Classic (raising over $100,000 in the past two years), the Long Island Imagine Awards Committee, and numerous charities including Contractors for Kids, Kids for Kids Foundation, Marty Lyons Foundation, Friends of Karen, Michael Magro Foundation, EPIC Long Island, Suffolk County Police Foundation, and PAL NYC.

Looking Ahead

Philip’s vision for United PA is clear: expand the firm’s national footprint through strategic acquisitions, grow the team, and continue to raise the standard of advocacy for policyholders. Whether managing catastrophic wildfires in California, high-rise fires in New York, or complex commercial interruptions nationwide, Philip’s mission remains the same: to level the playing field against insurance carriers and secure justice for policyholders when they need it most.