Licensed Public Adjusters Serving New York, New Jersey & Pennsylvania
Lic. Nos. ● New York: PA-1834424 ● New Jersey: 3003147177 ● Pennsylvania: 1276773
Licensed Public Adjusters Serving New York, New Jersey & Pennsylvania
Lic. Nos. ● New York: PA-1834424 ● New Jersey: 3003147177 ● Pennsylvania: 1276773
Property damage does not wait for a convenient time, and neither should your representation. K9 Public Adjusters is licensed in New York, New Jersey and Pennsylvania, and we handle residential, commercial, HOA and co-op property claims across all three. Find your area below, or call us and we will tell you straight away whether we can take your claim.
✓ Licensed in NY, NJ & PA ✓ No Upfront Fees ✓ Free Claim Review ✓ Residential & Commercial
Plenty of firms will tell you they cover the tri-state area. Fewer will show you the licence. A public adjuster has to be individually licensed in the state where your property sits, and we hold all three. That means we can open, document and negotiate your claim in any of these states without handing you off to a third party. We serve New York, New Jersey and Pennsylvania, and we travel to the loss. We do not adjust claims from photographs.
New York
Licence No. PA-1834424
Statewide representation
New Jersey
Licence No. 3003147177
Statewide representation
Pennsylvania
Licence No. 1276773
Statewide representation
New York claims are rarely simple, and most of the complication is structural. A burst riser in a pre-war building does not damage one apartment: it damages the line beneath it, and now you have a co-op board, a managing agent, a building policy and several unit-owner policies all pointing at each other. We work those claims regularly, and we know how to separate building property from unit-owner property so the right policy pays for the right damage.
Outside the five boroughs the picture changes again. Westchester and Long Island see wind, tree-fall and roof losses that hinge on whether the insurer calls it wear or storm damage. That argument is won with documentation gathered early, before the tarp goes on and the evidence disappears.
Manhattan · Brooklyn · Queens · The Bronx · Staten Island · Long Island (Nassau & Suffolk) · Westchester County · Yonkers · White Plains · New Rochelle · Mount Vernon · Rockland County
New York Licence No. PA-1834424 | New York City claims →
If your property is anywhere near the New Jersey coast, the fight is usually about how the loss gets classified, and that classification alone can be worth tens of thousands of dollars. Named-storm deductibles are calculated as a percentage of the dwelling value rather than a flat figure, and carriers do not always apply them correctly. We document the loss and verify the deductible from day one, so the record supports the right outcome.
Inland, in Newark, Jersey City, Paterson and Elizabeth, we see far more multi-family and mixed-use claims: older housing stock, aging plumbing and electrical, and insurers looking hard at maintenance and code-upgrade exclusions. Those claims often turn on ordinance-and-law coverage that most owners do not realise they have.
Newark · Jersey City · Paterson · Elizabeth · Edison · Woodbridge · Trenton · Camden · Atlantic City · Bergen County · Hudson County · Essex County · Middlesex County · Monmouth & Ocean Counties
New Jersey Licence No. 3003147177 | New Jersey claims →
Pennsylvania's most common large loss is the one nobody photographs in time: a frozen pipe that lets go in an unoccupied property and runs for days. Insurers scrutinise those claims hard for lack of reasonable heat, and the response has to address that question directly and with evidence.
Philadelphia adds its own wrinkle. Row homes share party walls, so a fire or a roof failure in one property routinely becomes a claim in the two beside it, and sorting out which policy owes what takes an adjuster who has done it before. Further west and north, in the Lehigh Valley, Lancaster and Harrisburg, the recurring issue is hail and wind on roofs, where the insurer position is almost always that the damage is cosmetic. We document it so that argument does not hold.
Philadelphia · Pittsburgh · Allentown · Bethlehem · Reading · Lancaster · Harrisburg · Scranton · Erie · Bucks County · Montgomery County · Delaware County · Chester County
Pennsylvania Licence No. 1276773 | Pennsylvania claims →
The lists above are where we work most often, not a boundary. We are licensed statewide in all three states, so if your property is in New York, New Jersey or Pennsylvania, call us on 201-375-3448. If it is a claim we are not the right firm for, we will tell you that on the first call rather than after you have signed something.
1. Free claim review. We look at your policy and the damage, and tell you honestly whether a public adjuster will improve your outcome.
2. On-site inspection. We come to the property and document the full extent of the loss, including damage the carrier adjuster is likely to miss.
3. We build and file the claim. Scope, estimate and supporting documentation, submitted and tracked.
4. We negotiate. Every call, inspection and reinspection with the insurer goes through us, not you.
Yes. A public adjuster must hold a licence in the state where the damaged property is located. K9 is licensed in New York (PA-1834424), New Jersey (3003147177) and Pennsylvania (1276773), so we can represent you directly in any of the three.
Anywhere in New York, New Jersey or Pennsylvania. We inspect the property in person. Call us and we will arrange a site visit.
Yes, and it is common. You can bring in a public adjuster at any point before the claim is closed, including after you have received an offer you believe is too low, or after a denial. Bringing us in earlier generally gives us more to work with, because the evidence is still there.
We work on a contingency basis, so there are no upfront fees. Public adjuster fees are regulated in each state, and we go through the exact fee and the written agreement with you during your free claim review before you commit to anything.
Yes. We handle residential, commercial, HOA and co-op board claims across all three states, including business interruption.
Tell us where the property is and what happened. A licensed adjuster will call you back: no cost, no obligation.
Get My Free Claim ReviewOr call 201-375-3448