Residential Insurance Claims Adjuster Services in PA & NJ
Maximize Your Property Damage Claim with 21st Century Public Adjusters
Your home is damaged. Your insurer has already sent their adjuster. Before you accept anything, know this: that adjuster works for the insurance company, not for you. 21st Century Public Adjusters is a residential insurance claims adjuster serving PA and NJ, and our only job is getting you the full settlement your property's damage warrants.
Your Claim. Our Fight. Free Consultation.
No upfront fees. No risk. We don't get paid unless you do.
What We Do for PA & NJ Homeowners
Most homeowners do not realize the adjuster sent by their insurance company has one job: to evaluate the claim from the insurer's perspective. A home insurance claim adjuster from 21st Century does the opposite. We are independent, licensed in both Pennsylvania and New Jersey, and our only obligation is to the homeowner.
From your first call through final settlement, we handle every part of the process. We review your homeowners policy in plain language, document all damage with photos and professional estimates, and communicate directly with your insurer on your behalf. If you want to understand your coverage before anything is filed, our insurance policy review service is a natural first step.
Most homeowners accept the first settlement offer without knowing it can be negotiated. By the time they find out, the claim is closed. That’s where 21st Century Public Adjusters come in. We serve homeowners dealing with property damage of all kinds, and whether your claim is straightforward or your insurer has already pushed back, a public adjuster for homeowners gives you an advocate with experience on your side.
Types of Residential Claims We Handle
No two residential property claims look the same. Our team has handled fire, water, storm, and structural losses across Pennsylvania and New Jersey. Below are the claim types we work with most.
Homeowners can contact us for help with
fire and smoke damage claims, water damage, storm damage, and
denied or underpaid insurance claims.
A house fire causes damage that goes well beyond what is visible. Smoke and soot damage to contents and HVAC systems is frequently left out of initial estimates. We assess structural damage, smoke and soot infiltration, and the full cost of contents loss to make sure your fire damage claim reflects the complete picture, not just what is easy to see.
Watch our video on navigating fire damage claims.
Burst pipes, appliance failures, and sudden water intrusion fall under standard homeowners coverage, but flooding from outside your home typically does not. Understanding the difference matters before you file. For more background, see our guide to flood vs. homeowners insurance. We document all water-related damage and make sure the right coverage is applied. Insurers often dispute the cause of water damage to reduce the payout, which is exactly where we push back.
Storms in Pennsylvania and New Jersey regularly cause roof damage, siding loss, and structural stress that insurers may undervalue on first review. If your claim was filed right after the storm, there is a good chance the full damage was not captured on the first inspection. We document hail impact, wind-driven damage, and ice or snow load thoroughly so your residential property claim in PA captures everything the storm left behind.
Structural collapse and vandalism claims can be more complex than they appear, especially when cause of loss is disputed. We handle the documentation and policy interpretation so you are not left arguing your case alone.
Denied and Underpaid Claims
If your claim came back denied or lower than expected, the insurer's first answer is not necessarily their final one, and it is not necessarily correct. We review the insurer's decision, assess whether coverage was applied correctly, and identify whether damage was overlooked or improperly excluded. Read about common reasons home insurance claims are denied and what homeowners can do about it.
The Longer a Claim Sits, the Harder It Gets to Recover. Let Us Step In.
Whether your claim was just filed, recently denied, or still underpaid, our team reviews your situation at no charge and tells you honestly what we can do.
How the Residential Claims Process Works
Working with a home insurance claim adjuster from 21st Century is a straightforward process. Here is what to expect from start to settlement.
1. Free Consultation. We review your damage and your policy at no cost. You will know exactly what coverage may apply before anything is filed.
2. Full Damage Documentation. We conduct a thorough on-site inspection and build a complete claim file with photographs, written reports, and independent repair estimates.
3. Policy Review and Claim Preparation. We read your policy carefully, identify all applicable coverage, and structure your claim to reflect the full scope of loss.
4. Negotiation with Your Insurer. We handle all communication with the insurance company directly. Low offers get challenged with documentation, repair estimates, and policy language. You do not have to take the first number they give you, and with us involved, you will not have to fight that conversation alone.
5. Settlement. We do not close a claim until the settlement reflects the actual cost of restoring your home. Our fee comes from the recovery, so our interests are aligned with yours.
This process applies whether your claim is new, stalled, or already denied. A residential insurance claims adjuster in PA and NJ from our team can step in at any stage. Homeowners who go through the claims process alone consistently leave money on the table. It’s not because they did anything wrong, but because they did not know what to ask for.
Why PA & NJ Homeowners Trust 21st Century Public Adjusters
Choosing the right public adjuster for homeowners means choosing someone who will actually go to bat for you. Ronnie Gelfont has helped PA and NJ homeowners recover settlements they were told they could not get.
Here is what sets 21st Century Public Adjusters apart.
- We represent homeowners, not the insurance company
- No upfront fees: we work on contingency and only get paid when you do
- Licensed and insured in Pennsylvania and New Jersey
- Available for all residential property types: single-family homes, condos, and rental properties
What Our Clients Say
⭐⭐⭐⭐⭐
"Ron is fantastic!!! He is currently handling my homeowners claim. I was never a believer in public adjusters but he completely changed my mind. Im getting more money then i would have on my own! Ron gets back to me immediately, he has a fantastic personality and had made me feel completely at ease with the process. I give this company 5 stars for excellent customer service!"
Christine Rose-Hardcastle, Google Review
⭐⭐⭐⭐⭐
"It is an overwhelming ordeal dealing with both a leaking storm damaged roof and insurance companies, but Ronnie streamlined that process. Ronnie handled every step in the claim process and negotiated with my insurance company on my behalf. Any questions or concerns I had were immediately answered and overall the experience was stress free. I would highly recommend anyone in the area looking for a public adjuster who will fight for you to go with Ronnie at 21st century public adjusters."
Glenn Gilroy, Google Review
Frequently Asked Questions About Home Damage Adjusters
Have more questions? Visit our frequently asked questions page for additional information about residential insurance claims, coverage, and the public adjuster process.
What types of home damage do you handle?
We handle all major residential property damage types, including fire and smoke, water damage from burst pipes or appliances, wind and hail from storms, collapse, vandalism, and theft. We also step in when a claim has been denied or the settlement is lower than the actual damage warrants.
How long does a residential insurance claim take?
Most residential claims resolve within 30 to 90 days from the date we get involved. Straightforward claims tend to move faster. If there is a dispute about coverage or the scope of damage, the process can take longer, but we push it forward and keep you updated throughout.
Do I need a public adjuster for a small claim?
It depends on the damage and your policy. For minor repairs, you may not need one. But insurance companies often undervalue damage, even on smaller claims, and a free review costs you nothing. A free review takes about 20 minutes. If we cannot improve your outcome, we will tell you upfront.
What does a public adjuster do that my insurance company's adjuster does not?
The adjuster your insurer sends works for the insurance company. Our job is the opposite: we work for you. We independently document the full scope of damage, review your policy for all applicable coverage, and negotiate on your behalf to get you the settlement the damage actually warrants. If you are not sure whose side your adjuster is on, that is worth a conversation.
My insurance claim was denied. What can I do?
A denial is not always the end. We review denied claims to determine whether the insurer applied coverage incorrectly, missed documented damage, or cited an exclusion that may not apply to your situation. Many denied claims can be successfully reopened. Learn more about the common reasons home insurance claims are denied and your options as a homeowner.
Do you review my policy before filing a claim?
Yes. Understanding your policy before filing is one of the most valuable things we do. We identify the coverage available for your specific damage type, flag any exclusions that could affect your claim, and make sure the filing is structured to capture everything you are owed. Learn more about our insurance policy review service.
How much does a public adjuster cost?
We work on a contingency basis, meaning we only get paid a percentage of your final settlement and only if we help you recover funds. There is no upfront cost and no fee if we are unable to improve your outcome.
Do you serve all of Pennsylvania and New Jersey?
We serve homeowners and property owners throughout Pennsylvania and New Jersey, with a strong local presence in Bucks County, Burlington County, and the surrounding communities. Check our all service areas page for a full list of locations.
New Claim, Stalled Claim, or Denied Claim, We Can Help.
Contact us for a free consultation. Whether you are just getting started or your insurer has already pushed back, we handle the process from here.
Prefer to call? (215) 485-3107
