Think your insurance claim was underpaid or denied?
We review property damage claims from the homeowner’s side to identify missed damage,
undervalued repairs, or policy provisions that weren’t applied correctly.
Licensed Public Adjuster representing homeowners, not insurance companies.
Start Your Free Claim Review
This takes just a moment. We’ll review your claim and let you know if anything was missed.
Public Adjuster for Homeowners Insurance Claims
Paid Fairly For Property Damage Inc. is a licensed public adjusting firm that assists homeowners with residential insurance claims involving water damage, fire and smoke damage, storm damage, and other covered property losses.
We represent policyholders, not insurance companies, by reviewing claim documentation, insurance estimates, and policy provisions to identify missed or undervalued damage. Many insurance estimates fail to account for required repairs, code compliance items, or damage that is not immediately visible, which can significantly affect the outcome of a claim.
As licensed public adjusters, our role is to help homeowners understand their coverage, address denied or underpaid insurance claims, and ensure the claim is handled in accordance with the insurance policy and applicable standards. Our services are focused on claim accuracy, documentation, and fair application of coverage, not sales or contractor-driven outcomes.
Our services are available to homeowners in Maryland, Washington DC, Virginia, West Virginia, North Carolina, Pennsylvania, Ohio, and Oklahoma, subject to state licensing requirements.
When a Homeowner Should Consider a Public Adjuster
Homeowners often seek the assistance of a public adjuster after receiving an insurance estimate that seems incomplete, inaccurate, or does not reflect the full scope of damage. This may include situations where repairs are limited, portions of the loss are denied, or required work, such as code compliance or related damage, is not addressed in the insurer’s estimate.
A public adjuster may also be helpful when a claim becomes delayed, disputed, or difficult to navigate, or when the homeowner is unsure whether the insurance policy has been applied correctly. In these situations, an independent review of the claim can help clarify coverage and identify issues that may impact the outcome.
Our Role in the Insurance Claim Process
Our role as licensed public adjusters is to assist homeowners with evaluating insurance claim documentation, reviewing estimates, and understanding how their insurance policy applies to the reported loss. We focus on identifying discrepancies, omissions, or inconsistencies that may affect the accuracy of the claim. You can learn more about our process on our About Us page.
We do not perform repairs or sell construction services. Our work is limited to claim review, documentation, and advocacy on behalf of the policyholder, with the goal of ensuring the claim is evaluated fairly and in accordance with the insurance policy and applicable standards.