Licensures
Licensed Public Adjuster in New York and New Jersey.

Large-Loss Fire, Water & Storm Claim Advocate

Ryan Haynes is a Licensed Public Adjuster with United Public Adjusters & Appraisers, Inc., licensed in New York and New Jersey. With prior experience at MLMIC Insurance, Ryan brings clients a valuable perspective from both sides of the insurance claims process. His background provides him with an understanding of how insurance carriers evaluate and handle claims, allowing him to effectively advocate on behalf of policyholders and pursue fair, accurate, and comprehensive claim settlements.

Ryan works closely with property owners throughout the claims process, helping them navigate complex coverage issues, properly document their losses, and ensure their interests are represented when dealing with insurance carriers.

Expertise & Role

Ryan specializes in complex residential property claims, preparing precise repair estimates and managing every detail from inspection through resolution. His expertise includes:

• Fire Damage Claims: High-end luxury rentals, single-family homes, multifamily properties, and large commercial losses.
• Water & Freeze-Up Losses: Complex residential and commercial water losses, including significant freeze-related claims.
• Hurricane & Storm Claims: Wind, flood, hurricane, and severe-weather-related property losses.
• Tree & Structural Damage: Residential and commercial losses involving structural repairs and extensive renovations.
• Claim Documentation: Comprehensive documentation to ensure all covered damage is properly identified and presented.

Track Record of Success

Ryan has led and supported significant property claims across multiple regions, including:

• Jersey City, New Jersey: Major residential fire loss involving extensive structural and interior damage, displacement of the insured family, and the coordination of dwelling, contents, and additional living expense components of the claim.
• Brooklyn, New York: Complex residential loss involving substantial Additional Living Expense (ALE) requirements, including temporary housing for multiple displaced occupants, furnishings, hotel accommodations, and related displacement expenses.
• Long Island, New York: Significant residential fire loss involving extensive dwelling damage and a disputed repair valuation that progressed to the formal appraisal process, requiring detailed documentation and continued advocacy to establish the full cost of restoring the home.

These matters have included fire, water, structural, and other complex property losses.

Client Advocacy & Approach

Known for his organization, accuracy, attention to detail, and commitment to policyholders, Ryan combines technical expertise with a personal approach to client service.

He works closely with UPA’s leadership, adjusting team, consultants, contractors, and other professionals to move claims forward efficiently while providing policyholders with guidance and reassurance throughout the process. His detailed documentation and strategic advocacy help position clients for stronger and more equitable claim resolutions.

Licenses

New Jersey — License #3004219480
New York — License #PA-1969808