A New Year’s celebration turned into a nightmare for a Richmond Hill, Queens family when a fire tore through their longtime home, leaving them displaced and uncertain about what would come next. The blaze, which originated in the attic, destroyed much of the residence the Rampersad family had lived in for more than four decades. While they were fortunate to escape without injury, the aftermath proved just as overwhelming. Their insurer delayed a decision regarding their fire damage claim, which left them without immediate funds for housing, repairs, or basic necessities.
Complicating their situation was a disputed concern raised by the insurance company regarding a suspected illegal attic apartment—an issue the family firmly refuted. Despite inspections showing no evidence of a kitchen or bathroom, the claim process stalled, and the family was even required to undergo an examination under oath. Facing mounting stress and uncertainty, they turned to United Public Adjusters & Appraisers (UPA), a noted fire public adjuster, for guidance and advocacy during one of the most difficult moments of their lives.
Expert Advocacy When It Matters Most
UPA stepped in as a dedicated advocate, working exclusively for the policyholder—not the insurance company. As a trusted fire public adjuster, UPA took on the responsibility of managing the Rampersad family’s fire damage claim, ensuring that their rights were protected and that their case received the attention it deserved. From navigating complex documentation requirements to challenging delays and discrepancies, UPA played a critical role in moving the claim forward.
“Situations like this are exactly why we exist,” said Phil Maltaghati, President of United Public Adjusters & Appraisers. “When families are dealing with loss, confusion, and delays, they need someone firmly in their corner. We work tirelessly to make sure our clients are treated fairly and receive the compensation they’re entitled to.”
Relocation Support Tailored to Each Family
In addition to negotiating directly with the insurer, UPA provides both short- and long-term relocation assistance—an essential service for families suddenly left without a home. In this instance, ABC television’s 7 On Your Side, had already secured temporary housing for the Rampersads. For the majority of those displaced by property damage, few benefit from media intervention. As part of UPA’s encompassing client assistance, however, the United team will work to secure appropriate temporary housing and living expenses for their clients while their claim progresses, to help restore a sense of stability during a chaotic time.
With millions of dollars in successful settlements, UPA has built a reputation for delivering results and peace of mind. United Public Adjusters & Appraisers’ comprehensive approach ensures that no detail is overlooked—from property assessments and inventory documentation to settlement negotiations and beyond.
A Trusted Partner for Policyholders
The Rampersad family’s experience highlights a reality many homeowners face after a disaster: insurance claims can become complex, delayed, or disputed. Having an experienced fire public adjuster on your side can make all the difference in achieving a fair and timely outcome.
UPA remains committed to supporting clients through every stage of the claims process, offering expertise, compassion, and relentless advocacy. Whether dealing with a fire damage claim or another property loss, policyholders can rely on UPA to fight for their best interests.
Need Help After a Fire or Property Loss? Contact United Public Adjusters & Appraisers
If you or someone you know is facing a delayed or disputed insurance claim, don’t navigate it alone. Contact United Public Adjusters & Appraisers today to learn how their team can help you secure the settlement you deserve and the support you need to move forward.
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