A public adjuster is a highly trained insurance professional that represents you, the insured homeowner, with your insurance claim. We represent you.

At Thomas Lacovara & Associates we are licensed by the New Jersey Department of Insurance and work FOR you to help you get the maximum amount of money in a settlement that you’re entitled to receiving.

We help to remove the stress and ease the headaches associated with insurance claims – handling all the details accompanying a major loss.

The insurance company sends in their own adjuster that represents the insurance company, not you.

Insurance companies are part of major corporations and experts at paying the LEAST amount of money to you for your damages.

They are more interested in their bottom line than yours.

We need to talk.

Immediately at the time of damage, you should contact a public adjuster. The first meeting with the insurance company is the most critical and important meeting. This is when the rules of engagement are established; identified as the Scope of The Loss.

The insurance company may want to send a cleaning or restoration company into your home right away. This is a huge mistake made by many homeowners as you will lose tens of thousands of dollars, just on that one mistake.

Think of it this way. If you had an automobile accident, would you clean and polish your car before the adjuster had an opportunity to review the extent of the damages?