Colonial Adjustment

What Colonial Adjustment does

Colonial Adjustment, Inc. is a second-generation, family-owned independent insurance claims adjustment company headquartered in South Portland, Maine. Founded in 1974 by John T. Kidder III and currently led by his son Scott Kidder as CEO and President, the company provides multi-line claims adjustment services—including property, auto, casualty, and specialty services such as catastrophic response, subrogation, insurance appraisals, mediation, and expert testimony—to insurance carriers and self-insureds across six New England states (Maine, New Hampshire, Vermont, Western Massachusetts, Connecticut, and Rhode Island). The firm self-describes as New England's largest independent adjustment company and operates as part of the Eberl network ('powered by Eberl'), which provides supplemental catastrophic-response capacity. Service delivery relies on a distributed network of resident adjusters who provide 24/7 emergency response, same-day contact on all assignments, and management review of every claim before submission as a quality control standard.

The company's service portfolio is structured around three core product lines—property adjustment (residential, commercial, and contents), auto claims adjustment (CCC and Audatex trained), and casualty claims adjustment—supplemented by specialty services including catastrophic event response, insurance appraisals, mediation and judicial settlement conferences, expert testimony, and subrogation support across residential, commercial, auto, and liability lines. Technology infrastructure consists of industry-standard tools: CCC and Audatex for auto claims, replacement cost software with price verification for contents claims, and internal databases cross-matched with internet research for content valuation. No proprietary technology platform is described in the source material. Staff credentials are a key asset, with adjusters averaging 20+ years of industry experience (casualty 29 years, auto 19 years, property 15 years) and many holding CPCU and AIC designations.

The business model is professional-services based: insurance carriers assign claims directly to Colonial Adjustment via a 24/7 emergency claims line or email, and the company earns fees per claim assigned and processed. Go-to-market is enterprise field sales targeting insurance company claims departments, with direct assignment as the sole distribution channel (no resellers or marketplace presence). Pricing is quote-based and not publicly disclosed. The firm is privately held with no external institutional investment, no public listing, and no funding rounds disclosed; ownership remains concentrated within the Kidder family, and the company operates as a subsidiary entity within the Eberl network.

Name

Colonial Adjustment

Legal name

Colonial Adjustment, Inc.

Website

https://colonialadj.com

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

11–50 employees

Short description

Colonial Adjustment is a second-generation, family-owned independent insurance claims adjustment firm serving insurance carriers and self-insureds with property, auto, casualty, and specialty adjustment services across six New England states.

Ownership category

akta.pro rank

Product category

Independent Insurance Claims Adjustment Services

NAICS

Claims Adjusting (524291)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Catastrophe Claims & Loss Adjustment Services (FSAOACAO)

Keywords

• Insurance claims adjustment
• Independent adjusting services
• Property loss adjustment
• Casualty claims handling
• Auto claims management

Headquarters

HQ city

South Portland

HQ country

United States

HQ region

North America

Offices28 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Claims Adjustment Services: Colonial Adjustment provides independent insurance claims adjustment services to insurance carriers and self-insureds. The company handles property, auto, and casualty claims across New England states, earning fees for each claim assigned and processed.
2. Subrogation Services: Through detailed investigation, evidence gathering, and claims handling, the company positions clients to pursue subrogation against responsible parties for cost recovery across residential, commercial, auto, and liability lines of business.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

Colonial Adjustment provides independent multi-line insurance claims adjustment services to insurance carriers and self-insureds across New England. The firm dispatches licensed property, auto, and casualty adjusters to investigate, assess, and settle claims, supported by 24/7 emergency response, same-day contact, and management-level quality review on every claim before submission.

Product overview

Colonial Adjustment is an independent insurance claims adjustment company offering a comprehensive portfolio of adjustment services across New England. The company operates as a single unified service platform providing property adjustment (residential, commercial, and contents), auto claims adjustment, and casualty claims adjustment as core service lines, supplemented by specialty services including catastrophic services, insurance appraisals, mediation, expert testimony, and subrogation. The company was founded in 1974 and is powered by Eberl, serving Maine, New Hampshire, Vermont, Massachusetts, Connecticut, and Rhode Island with 24/7 emergency claims response. Management team provides direct supervision on every claim with quality control review before submission.

Differentiator

Problem solved

Functional benefit

Products and services

• Property Adjustment Services Full adjustment services for property losses covering residential homeowner, condominium, commercial building, business interruption, inventory loss, theft, mysterious disappearance, municipality, environmental, and inland marine claims. Staffed by 23 property adjusters including an executive general adjuster, five general adjusters, and ten senior adjusters averaging 15 years of experience. Sold to insurance carriers and self-insureds across New England.
• Homeowner & Residential Losses Handling of all types of residential and personal property losses including damage assessment, coverage determination, and contents valuation services. Provided to insurance carriers handling personal lines claims in New England.
• Commercial Claims Handles commercial property claims of all sizes including loss of business income, business interruption, and loss of inventory and stock. Provided to insurance carriers handling commercial lines claims, with adjusters averaging more than 16 years of experience.
• Loss of Contents Contents claims handling with a full-time inventory specialist. Includes on-site inventory, replacement cost software with price verification, and detailed reports covering policy limits, sub-limits, actual and replacement cost values, depreciation, and vendor pricing.
• Auto Claims Adjustment Multi-line auto claims adjustment with six dedicated adjusters averaging 19 years of experience and CCC and Audatex trained. Services include 24-hour emergency response, same-day contact, appraisal assignment within 24 hours, liability claims handling, subrogation investigation, total loss settlement, and rental management.
• Casualty Claims Adjustment Casualty claims adjustment with seven adjusters averaging 29 years of experience. Covers general liability (homeowners and commercial), auto accidents, product liability, premise liability, slip and fall, personal injury, dog bites, liquor liability, marine liability, contractor liability, timber trespass, and trucking losses.
• Catastrophic Services Emergency response for catastrophic events with adjusters located throughout Maine, New Hampshire, and Vermont. Features immediate response, continuous communication, expedited processing, and quality control, leveraging an extensive network of independent adjustment professionals for high-volume situations. Built on 40+ years of catastrophe experience.
• Insurance Appraisals Formal appraisal services when parties cannot agree on a settlement. Experienced investigators provide documented facts supporting claim reports and work with all parties to reach reasonable closure. Also provides umpire services between appraisers in settlement disputes.
• Mediation of Claims and Judicial Settlement Conferences Mediation services to resolve claims and representation at court-ordered judicial settlement conferences. Skilled adjusters work with mediators to reach agreeable settlements in pursuit of amicable resolution.
• Expert Testimony Expert testimony services provided by the most experienced property and casualty staff when litigation is required. Attention to detail during the claims process is maintained to corroborate claim findings during litigation.
• Subrogation Services Subrogation services for all lines of business including residential property losses, commercial property losses, business personal property loss, auto claims, and liability. Includes detailed investigation, evidence securing, and claims handling for effective cost recovery against responsible parties.

Quantifiable outcome

• Same-day contact on all assignments
• +3 more outcomes

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Engle Martin & Associates: Independent claims adjusting firm providing commercial property, casualty, and auto adjusting services to insurance carriers. Similar service mix and B2B carrier-focused distribution model to Colonial Adjustment.
• Crawford & Company: Global independent claims management firm providing property, casualty, and auto adjusting across multiple continents. Direct competitor for insurance carrier claims contracts and the most established national/international peer to Colonial's regional independent model.
• TRISTAR Insurance Services: Multi-line third-party administrator and independent adjusting firm providing property, casualty, and auto claims services to insurance carriers. Comparable size and service mix to Colonial, with overlapping personal and commercial lines work.
• CorVel Corporation: National claims management and risk solutions provider offering independent adjusting, managed care, and third-party administration. Competes for insurance carrier claims mandates with broader technology-enabled capabilities than Colonial's traditional approach.
• Sedgwick: Major third-party administrator and claims management firm offering independent adjusting, managed care, and loss adjusting services. Competes for the same multi-line property/casualty/auto carrier contracts Colonial serves, with stronger national scale.
• Adjusters International: Independent insurance adjusting firm handling property and casualty claims for commercial and residential policyholders. Comparable multi-line service offering and similar go-to-market through direct carrier relationships.
• Pilot Catastrophe Services: Independent adjusting firm specializing in catastrophe response and large-loss claims for insurance carriers. Direct overlap with Colonial's catastrophic services product line and competes for the same surge-response carrier mandates.

Broad incumbents

• Eberl Claims Service: Parent network of Colonial Adjustment, providing nationwide independent claims adjusting and catastrophe response. Functions as both parent and broader-network peer, offering the surge capacity Colonial leverages for high-volume events.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/colonial-adjustment-inc.

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Colonial Adjustment