Republic Claims Associates

What Republic Claims Associates does

Republic Claims Associates, Inc. (d/b/a Adjusters On Call) is a privately held, family-owned public insurance adjusting firm founded in 1990 by Frank A. Rivela, a Senior Professional Public Adjuster (SPPA) in the top 1% of the global profession. The firm represents policyholders in property and casualty insurance disputes, helping homeowners, commercial property owners, and non-profit organizations maximize settlements against insurance carriers. Services cover fire, water, smoke, flood, burglary, hurricane, and disaster losses, delivered through principal offices in Staten Island NY, Hampton Bays NY, Woodbridge NJ, and Bristol PA, with affiliate offices extending licensed coverage to 47 states.

The firm's core technology stack is service-led rather than software-led: it pioneered fast-track claims adjustment, computerized contents inventories, and computerized building estimates, and maintains a "Guaranteed Settlement Satisfaction" program. The firm is differentiated by in-house attorneys, accountants, and real estate brokers, and a roster of allied professionals (technology consultants, architects, engineers, fine art appraisers) that support complex claims. There are no mobile apps, public APIs, or AI/ML capabilities disclosed; the firm operates as a professional services practice rather than a technology platform.

The business model is contingency-based: clients pay no upfront fees and the firm earns a percentage of the insurance settlement recovered, with a free initial evaluation. Marketing is primarily direct-to-consumer and sales-led, combining word-of-mouth, customer testimonials, localized SEO across multiple counties, and earned media (FOX, NBC, CBS). Customer acquisition is event-driven, relying on outreach immediately following property loss events. The firm is small (1-10 employees per firmographics), profitable, and has remained under family ownership with no external capital.

Name

Republic Claims Associates

Legal name

Republic Claims Associates, Inc.

Website

https://adjustor.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

1–10 employees

Short description

Republic Claims Associates is a family-owned public insurance adjusting firm founded in 1990 that helps residential, commercial, and non-profit policyholders maximize property and casualty claim settlements on a contingency fee basis, operating across 47 U.S. states.

Ownership category

akta.pro rank

Product category

Public Insurance Adjusting Services

NAICS

Claims Adjusting (524291)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAH

Claims Advocacy & Loss Recovery Services

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

Keywords

• Public insurance adjusting
• Property damage claims
• Insurance claim settlement
• Fire damage recovery
• Water damage claims

Headquarters

HQ city

Bristol

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Contingency Fee on Claim Recovery: Company is compensated with a percentage of the insurance claim settlement recovered for the client. No upfront costs to clients. Free initial evaluation with no cost or obligation. Percentage-based compensation creates incentive to maximize client recovery.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

Republic Claims Associates is a public insurance adjusting firm that advocates on behalf of residential and commercial property owners to maximize settlements from insurance carriers for property damage claims. Services cover fire, water/flood, smoke, pipe break, burglary, and disaster losses, delivered under a contingency-fee model with no upfront cost to clients. The firm supplements claim management with emergency restoration coordination, temporary relocation, and on-site attorneys, accountants, and real estate brokers.

Product overview

Republic Claims Associates, operating under the brand Adjusters On Call™, is a public insurance adjuster company that functions as a single unified service rather than a platform-plus-modules architecture. The company provides public insurance adjusting services to help policyholders—primarily homeowners, businesses, and non-profits—maximize insurance claim settlements against insurance companies. Services include residential and commercial claims assistance across multiple damage types: burglary, disaster, fire, flood, pipe break/water, and smoke damage loss recovery. The company also offers a proprietary 'Guaranteed Settlement Satisfaction' program as a key differentiator. All services are delivered through their network of offices in 47 states, with principal offices in New York, New Jersey, and Pennsylvania. The company was founded in 1990 and is led by Frank A. Rivela, SPPA.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Claims Adjusting Services Public insurance adjusting for homeowners who have suffered covered losses from storms, fire, water damage, broken pipes, break-ins, and other perils. The firm prepares and negotiates claims on behalf of the homeowner against the insurance carrier.
• Commercial Claims Adjusting Services Public insurance adjusting for commercial property and business owners with property/casualty claims, including business income analyses, loss of rents, contents damage inventories, disaster recovery costs, and building estimates.
• Churches and Non-Profit Claims Adjusting Services Specialized public insurance adjusting for religious institutions and non-profit organizations with property damage claims. Provides advocacy to ensure fair settlements given limited internal resources for handling complex claims.
• Fire Damage Loss Recovery Public insurance adjusting for fire-related property damage, including structural losses, smoke damage, and water damage from firefighting efforts. Covers content valuation, building condition evaluation, and settlement negotiation.
• Flood Damage Loss Recovery Public insurance adjusting for flood-related property damage, including content valuation, building condition evaluation, and relocation cost analysis.
• Pipe Break Water Damage Loss Recovery Public insurance adjusting for water damage resulting from burst or broken pipes, including damage categorization and settlement negotiation.
• Smoke Damage Loss Recovery Public insurance adjusting for smoke damage with damage assessment for dry smoke, protein residue, fuel/oil residue, and wet smoke, and content damage documentation.
• Burglary Loss Recovery Public insurance adjusting for losses due to burglary and theft, including documentation and maximization of insurance claims.
• Disaster Loss Recovery Public insurance adjusting for natural disaster-related property damages, leveraging the 47-state affiliate network for nationwide catastrophe response.
• Guaranteed Settlement Satisfaction Program Proprietary satisfaction guarantee program that expedites the claims process through comprehensive claim management including policy compliance review, loss extent determination, and expert claim presentations, designed to maximize client recovery.
• Emergency Restoration, Relocation and Support Services Specialized support services offered at no upfront cost to clients, including emergency restoration and repairs, technology consultants, lodging, residential or commercial relocation, architect and engineer analysis, cleaning and deodorizing of soot/smoke/water, fine art and antique appraisals, board-up of building, trailer home rental at loss site, temporary furniture/appliance rental, water extraction, and ozone-chamber cleaning of damaged clothing.

Quantifiable outcome

• Over $500 Million In Claims Settled
• +2 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Scale indicators8 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Sedgwick: Global leader in claims management, loss adjusting, and risk services. Operates broadly across property, casualty, and specialty lines. While primarily serving insurers and employers, Sedgwick competes for adjuster talent and claim-handling contracts that affect the broader property claim ecosystem in which Republic Claims operates.
• Crawford & Company: One of the world's largest independent claims management firms, handling property, casualty, and specialty claims globally. Although Crawford typically works for insurers rather than policyholders (Republic's side), it competes in the same property-damage adjusting market and represents the scaled, technology-enabled incumbent that Republic's niche public adjuster business contrasts with.

Direct peers

• Aspen Claims Service: Independent adjusting firm handling residential and commercial property claims on behalf of policyholders and carriers. Overlaps with Republic Claims on property damage claim advocacy and catastrophe response services.
• Citizens Adjustment Group: Independent public adjusting firm that helps policyholders negotiate and maximize insurance settlements. Directly comparable service offering, contingency fee structure, and property-damage claim focus to Republic Claims Associates.
• Adjusters International / The Greenspan Co. One of the most prominent and longest-standing public insurance adjusting firms in the US, directly comparable in service offering (residential and commercial claim advocacy), contingency-fee model, and multi-state presence. Both firms compete head-to-head for property and casualty claims on behalf of policyholders.
• Sill Public Adjusters: A well-established public adjuster firm serving residential and commercial property owners with a similar contingency-based claim representation model. Comparable to Republic Claims in target customer (property owners facing insurer disputes), service scope (fire, water, storm damage), and geographic focus (Northeast US).
• EA Claims (Engle Martin & Associates): Independent insurance adjusting and claims management firm handling property, casualty, and specialty lines. Comparable to Republic Claims in third-party claims representation and policyholder advocacy, though broader in scope and larger in scale.

Regional players

• Independent Insurance Adjusters: Independent public adjusting firm with a similar contingency-fee, multi-state model. Operates in similar property-casualty adjusting markets as Republic Claims and is a directly comparable peer for independent public adjusting services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCxoWoK9M7h3w
• Facebookfacebook.com/profile.php
• Instagraminstagram.com/republicclaims
• LinkedInlinkedin.com/company/republic-claims-assoc
• Xtwitter.com/republicclaims

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Republic Claims Associates