Find out what your damage claim is really worth.
Insurers write the first estimate. We write the accurate one. Answer a few questions about what happened and what was damaged to see a preliminary claim range.
What happened to your property?
Choose the cause of loss that best matches your situation.
How this claim estimate is calculated
The range you see is a preliminary figure, not an appraisal. It starts from typical repair costs for the cause of loss you selected, then adjusts for how widespread the damage is, the type and size of the property, and whether you have been displaced or had to shut down operations. Those adjustments matter because a kitchen fire in a 1,400 square foot rowhome and a roof loss on a 4,000 square foot farmhouse are not the same claim, even when the peril is identical.
The estimate also shows what an insurance company's opening offer commonly looks like next to a fully documented claim value. First offers are built from carrier pricing software and a single walkthrough, so missed items such as code required upgrades, matching materials, contents, debris removal, and loss of use are the usual reason a settlement falls short of the real cost to rebuild.
What the estimator cannot do
It cannot read your policy. Coverage limits, deductibles, endorsements, fungi and water sublimits, roof payment schedules, and actual cash value versus replacement cost settlement all change the final number, sometimes substantially. It also cannot inspect hidden damage behind walls, under flooring, or on a roof surface. That is what the free claim review is for.
What happens after you submit
A licensed Pennsylvania public adjuster, license #726839, reviews your answers and gets back to you to talk through the loss. If it makes sense to move forward, we inspect the property, document everything before repairs begin, build a line item scope of loss, and negotiate with your carrier from there. We work on a contingency fee, so there is no cost to find out where you stand.