Public Adjusters Associates

What Public Adjusters Associates does

Public Adjusters Associates (PAA) is a privately held public adjusting firm founded in approximately 1970 and headquartered in Northfield, New Jersey, with a second headquarters in Bensalem, Pennsylvania. The firm represents policyholders, not insurance carriers, in preparing, filing, and negotiating property insurance claims arising from damage events including fire, water, windstorm, hurricane, flood, vandalism, lightning, and a long tail of specialized perils. PAA operates across three core service lines: residential claims, commercial/industrial claims, and a broader specialized claims practice covering theft, smoke, hail, frozen pipes, collapse, and related damage types. The firm also handles new claim filings, stalled existing claims, supplemental/reopened claims, and rejected claims advocacy.

The business model is a contingency- or fee-based professional services engagement: licensed public adjusters conduct on-site property inspections (within 24 hours of initial contact), document damages, interpret policy provisions, prepare estimates for building reconstruction, contents replacement, loss-of-use, and business interruption, and negotiate directly with the insurer. The firm maintains 24/7 phone and chat availability, offers free consultations and policy reviews, and serves all 21 New Jersey counties and all 67 Pennsylvania counties from its two physical offices. No technology platform, software product, or AI-driven capability is disclosed; the offering is delivered through licensed human adjusters supported by a website, organic social media presence (Facebook, Twitter, LinkedIn), and direct customer outreach.

Customer composition skews heavily toward residential property owners, evidenced by all five named customer testimonials being individual homeowners from shore and suburban New Jersey communities. A commercial/industrial segment is served but is not evidenced by named enterprise logos in the available data. The firm holds an A+ Better Business Bureau rating, claims to be the 2nd oldest public adjustment firm in the Philadelphia region, and is a member of the National Association of Public Insurance Adjusters (NAPIA). No revenue, funding, ownership structure, or headcount detail beyond the 1-10 employee band is publicly disclosed.

Name

Public Adjusters Associates

Legal name

Public Adjusters Associates

Website

https://publicadjustersassociates.com

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

1–10 employees

Short description

Public Adjusters Associates is a privately held, licensed public adjusting firm founded in 1970 that represents residential and commercial property owners in New Jersey and Pennsylvania in negotiating property insurance claims for fire, water, windstorm, and related damage.

Ownership category

akta.pro rank

Product category

Public Insurance Adjusting Services

NAICS

Claims Adjusting (524291)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Catastrophe Claims & Loss Adjustment Services (FSAOACAO)

akta.pro secondary industries

Homeowners Insurance (FSAJACAA), Commercial Property Insurance (FSAJACAE)

Keywords

• Public insurance adjusting
• Property damage claims
• Insurance claim advocacy
• Residential claim services
• Commercial claim adjustment

Headquarters

HQ city

Northfield

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Public Adjuster Services: Public adjusting services for property insurance claims. Adjusters are retained by policyholders to assist in preparing, filing and adjusting insurance claims. The company manages every detail of the claim working closely with the insured to provide equitable and prompt settlement.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Public Adjusters Associates provides licensed public adjusting services on behalf of property owners against insurance carriers in New Jersey and Pennsylvania. The firm handles the entire claims lifecycle including policy review, on-site damage inspection, claim preparation and filing, documentation, cost estimation, and settlement negotiation for residential, commercial, and industrial property losses across perils such as fire, water, windstorm, flood, hurricane, vandalism, and other risks.

Product overview

Public Adjusters Associates is a public adjusting firm offering insurance claim adjustment services. The company operates three core service lines: Residential Claims Services (covering 10 damage types), Commercial/Industrial Claims Services (covering 9 damage types), and Other Claims Services (covering 12 additional damage types). The company also provides specialized services for new claim filing, existing claims management, reopening supplemental claims, and advocating for rejected claims. All services are supported by free policy review consultations. The company has served the Delaware Valley region for over 54 years and holds an A+ Better Business Bureau rating.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Claims Services Insurance claim adjustment services for homeowners in NJ and PA covering damage from fire, accidental water, windstorm, falling trees, flood, vehicle impact, vandalism, lightning, hurricanes, and physical risk.
• Commercial/Industrial Claims Services Insurance claim adjustment services for businesses covering damage from fire, accidental water, windstorm, falling trees, flood, vehicle impact, vandalism, lightning, and hurricanes. Includes business interruption cost recovery.
• Other Claims Services Specialized insurance claim adjustment services covering theft, smoke, hail, frozen pipes, collapse, earthquakes, sewer backups, sump pump failures, ice damming, power surges, roof leaks, and siding damage.
• New Claim Filing Service End-to-end assistance filing new insurance claims from initial 24-hour on-site inspection through claim submission and settlement. Available 24/7.
• Existing Claims Management Management service for ongoing claims that have stalled or experienced delays with the insurance company, including review of applicable deadlines for recovery.
• Re-Open/Supplemental Claims Service Service to re-open settled claims when additional damage is discovered after initial settlement, subject to applicable timeframes.
• Rejected Claims Advocacy Service to challenge denied insurance claims and negotiate fair settlements on behalf of policyholders.
• Policy Review Consultation

Quantifiable outcome

• 574% higher claim settlements for policyholders using public adjusters ($9,379 vs $1,391 without)

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered minor.

• National Association of Public Insurance Adjusters (NAPIA)minorOthersAssociation membership shown in clients/associations section of website. NAPIA is a national organization for public insurance adjusters.
• American Red CrossminorOthersPartnership or affiliation shown in clients/associations section of website. Nature of partnership not explicitly detailed.

Scale indicators6 records

Recent moves5 records

Expansion highlights1 record

Direct peers

• Coast Public Adjusters: Regional public adjusting firm focused on coastal property claims, comparable to PAA's coastal NJ concentration. Serves a similar SMB/residential customer base navigating property damage claims from storms, water, and fire.
• GlobeClaim: National public adjusting firm serving policyholders with commercial and residential property claims. Comparable to PAA in service model (contingency-based claim advocacy) and target customer (property owners facing underpaid or denied claims).
• Citizens Public Adjusters: Regional public adjusting firm providing policyholder claim representation services. Directly comparable to PAA in serving residential and commercial property owners facing underpaid or denied insurance claims, with similar contingency fee model.
• Adjusters International: One of the largest and most established public adjusting firms in the U.S., representing policyholders in property insurance claims. Directly comparable to PAA in core service offering (claims advocacy and adjustment), with similar advocacy-based positioning but broader multi-state geographic reach.

Broad incumbents

• Sedgwick: Large global claims management provider offering adjusting, third-party administration, and loss adjusting services. Adjacent incumbent with overlapping claims handling capability, though its primary clients are insurers and employers rather than individual policyholders.
• Wardlaw Claims Service: National independent adjusting firm providing property and casualty claims handling for insurers. Adjacent competitor in the claims adjusting space with overlapping expertise in residential and commercial property losses.
• Eberl Claims Service: Independent claims adjusting and third-party administration firm handling property, casualty, and catastrophe claims. Comparable in property claims expertise but works primarily on behalf of carriers rather than policyholders like PAA.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/MyLocalPAA
• Facebookfacebook.com/PublicAdjustersAssociates
• LinkedInlinkedin.com/company/public-adjusters-associates

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Public Adjusters Associates