Young Adjustment

What Young Adjustment does

Young Adjustment Company is a Philadelphia-based public insurance adjusting firm founded in 1920 that represents policyholders in property damage claims against insurance carriers. Services span residential and commercial property losses—fire, storm, water, tornado, winter weather, frozen pipe, building collapse, and business interruption—delivered by licensed public adjusters who conduct on-site damage assessments, prepare proof-of-loss documentation, negotiate with carriers, and pursue additional living expense or business interruption recoveries. The firm holds state public adjuster licenses across multiple jurisdictions and is a member of the National Association of Public Insurance Adjusters (NAPIA). Internally it fields a multidisciplinary team of adjusters, CPAs and forensic accountants, building appraisers, and contents specialists led by fourth-generation family ownership under President David Horowitz.

The technical stack is conventional professional-services tooling rather than a software platform: field technicians use infrared cameras and moisture meters to detect hidden moisture intrusion, building appraisers use industry-standard Xactimate software to produce scopes of work and cost estimates, and in-house forensic accountants with CPA credentials compute business interruption losses and lost profits. Claims documentation is assembled into proof-of-loss packages and negotiated against carrier adjusters. Marketing and intake operate through a company website with a multi-step property/damage triage form, a 24/7 toll-free intake line, social channels, and a content library of disaster-specific claim guides. Settlements are pursued on a contingency fee basis, with the firm compensated as a percentage of the final recovery, so cash collection is directly tied to claim outcomes rather than retainer or subscription billing.

The firm merged into Sill Adjusting Group in May 2025 and now operates as a subsidiary of what is described as the largest public adjusting firm in North America, while retaining the Young Adjustment brand and Horowitz-family operating leadership. Historical depth (the 1920 founding and prior integration of Stephen R. Figlin & Associates in 2009) and marquee claims—including Hurricane Katrina recovery work for Volunteers of America and the December 2022 arson at Carpenters' Hall—differentiate the firm in a fragmented regional industry. Geographic focus is the Mid-Atlantic (Pennsylvania, New Jersey, Philadelphia) with stated reach across North America through the Sill platform.

Name

Young Adjustment

Legal name

Alex N. Sill Company

Website

https://youngadjustment.com

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

11–50 employees

Short description

Young Adjustment is a Philadelphia-based public insurance adjusting firm, founded in 1920, that represents residential and commercial property owners in negotiating property damage and business interruption claims with insurance carriers, and now operates as a subsidiary of Sill Adjusting Group.

Ownership category

akta.pro rank

Product category

Public Insurance Adjusting Services

NAICS

Claims Adjusting (524291), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Services-Engineering, Accounting, Research, Management (8700)

akta.pro industry

PRIMARYFSAOACAO

Catastrophe Claims & Loss Adjustment Services

Financial & Insurance/Reinsurance/Catastrophe Reinsurance

SECONDARYFSAEAHAM

Business Interruption & Insurance Claim Valuation

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Valuation, Appraisal & Fairness Opinions

Keywords

• Public insurance adjusting
• Property damage claims
• Insurance claim advocacy
• Business interruption claims
• Fire and storm claims

Headquarters

HQ city

Blue Bell

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Contingency-Based Public Adjusting Fees: Public adjusting services are provided on a contingency fee basis - clients only pay when they receive their settlement. The fee is a percentage of the final settlement amount. This aligns the company's success directly with the client's recovery.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Young Adjustment Company provides public insurance adjusting services, representing residential and commercial property owners in the negotiation and settlement of property damage insurance claims. Services include free damage assessment, insurance policy review, comprehensive damage documentation, direct negotiation with insurance carriers, and handling of specialized claims such as fire, water, storm, tornado, and business interruption losses. The firm operates on a contingency-fee basis, earning a percentage of the final settlement amount only when the client recovers funds.

Product overview

Young Adjustment Company is a public insurance adjusting firm that provides professional advocacy services for property owners navigating insurance claims. The company operates as a unified service offering (not a software platform) centered on licensed public adjusting services. The core portfolio includes Commercial Property Insurance Claims Management, Residential Property Insurance Claims Management, and specialized claim type handling (Fire, Water, Storm, Tornado, Winter Weather, Building Collapse, and Frozen Pipe damage). Supporting these are service features including Insurance Policy Review, Property Damage Assessment & Documentation, and Business Interruption Claims. The company is part of the Sill Adjusting Group, the largest public adjusting firm in North America, and has served property owners since 1920.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Property Insurance Claims Management Expert representation for commercial property owners in insurance claims involving disasters at manufacturing facilities, apartment complexes, and retail centers. Includes documentation, negotiation, and settlement of large-scale commercial losses across almost every major insurance company.
• Residential Property Insurance Claims Management Advocacy services for homeowners facing large property insurance claims, including policy review, damage documentation, claim submission, and settlement negotiation with insurance companies. Helps hundreds of property owners each year.
• Business Interruption Claims Specialized services for calculating and recovering lost income, ongoing expenses during downtime, extra costs, builder's risk, and soft costs from operational disruptions. Performed by in-house CPA-credentialed forensic accountants.
• Fire Claims Management Expert handling of fire damage insurance claims including structural damage, smoke damage, contents loss, and complete loss situations for residential and commercial property owners.
• Water Damage Claims Management of water damage and flood-related insurance claims, including frozen pipe damage and winter weather water intrusion, with forensic tools to identify hidden moisture.
• Storm and Tornado Damage Claims Handling of wind damage, tornado damage, hail damage, and winter weather damage insurance claims with comprehensive documentation and aggressive negotiation to maximize recoveries.
• Building Collapse and Frozen Pipe Damage Claims

Quantifiable outcome

• Policyholders who hire public adjusters receive settlements up to 747% higher than initial insurance offers for hurricane-related claims
• +3 more outcomes

Named customers11 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Sill Adjusting GroupcoreStrategic or Co-development Partner · 7 May 2025Sill Adjusting Group, North America's leading public adjusting firm, merged with Young Adjustment Company in May 2025. Young Adjustment became part of Sill Adjusting Group, which is described as the largest and most experienced public adjusting firm in the industry. This merger combines Young Adjustment's century-long heritage with Sill's national presence.
• National Association of Public Insurance Adjusters (NAPIA)minorOthersYoung Adjustment Company is a member of NAPIA, the National Association of Public Insurance Adjusters. A logo link to NAPIA is shown on the website footer.
• Volunteers of America National ServicesminorStrategic or Co-development PartnerYoung Adjustment helped Volunteers of America National Services recover after Hurricane Katrina by negotiating fair property damage insurance settlements that allowed the organization to rebuild critical housing for vulnerable residents.
• Golden SlipperminorOthersPresident David Horowitz served as President of Golden Slipper in 2006 and received the Gold Medallion Award in 2010, indicating community involvement.
• Union League of PhiladelphiaminorOthersDavid Horowitz is an active member of the Union League of Philadelphia, a prestigious civic organization.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Adjusters International: National public adjusting and loss consulting firm headquartered in Buffalo, NY. Offers policyholder-side representation on commercial and residential property claims, including business interruption valuation, that directly overlaps Young Adjustment's core service set across both Mid-Atlantic and national footprints.
• The Greenspan Company: Western U.S. public adjusting firm focused on residential and commercial property insurance claims, including fire, water, and catastrophe losses. Operates in the same policyholder-advocacy niche as Young Adjustment, serving as a regional peer in California and the Western states where Young has only post-Sill reach.
• Heritage Public Adjusters: Public adjusting firm providing policyholder representation on residential and commercial property insurance claims across multiple U.S. regions. Competes in the same contingency-fee, advocacy-versus-carrier niche that defines Young Adjustment's service offering.
• Tidewater Adjusters: Mid-Atlantic public adjusting firm representing residential and commercial policyholders in property insurance claims. Comparable in service mix (commercial property, business interruption, catastrophe response) to Young Adjustment and a regional peer in the Philadelphia-to-Virginia corridor.
• Harrow Company: Mid-Atlantic public adjusting and claim-recovery firm representing insureds on residential and commercial property claims. Operates in adjacent metropolitan markets with similar client acquisition motion (phone/web referrals, contingency fees) and overlapping commercial claims expertise.
• Sill Adjusting Group: North America's largest public adjusting firm, which merged with Young Adjustment Company in May 2025. Headquartered in Cleveland with offices across multiple states, Sill provides the same policyholder-side claim advocacy and direct insurance-carrier negotiation that Young does — together they now form the largest public adjusting platform in the industry.
• EA Renfro & Associates: Public adjusting firm handling residential and commercial property damage claims with particular emphasis on Mid-Atlantic states. Competes head-to-head with Young Adjustment for the same homeowners and commercial insureds filing fire, water, and storm claims.
• Citizens Adjustment Company: Texas-based public adjusting firm providing policyholder-side representation across residential, commercial, and catastrophe losses. Closely comparable business model and contingency-based revenue approach to Young Adjustment, anchoring the southern U.S. half of the direct peer set.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/youngadjustmentcompany
• LinkedInlinkedin.com/company/young-adjustment-company-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 Young Adjustment