Pennsylvania Public Adjusters
Licensed in Pennsylvania. We represent policyholders, never insurers.
K9 Public Adjusters handles residential, commercial, multi-family and HOA property claims across Pennsylvania, from Philadelphia to Pittsburgh. We are licensed in Pennsylvania under Licence No. 1276773, we work on contingency, and the claim review costs you nothing.
✓ PA Licence No. 1276773 ✓ No Upfront Fees ✓ Free Claim Review ✓ Residential, Commercial & HOA
Get My Free Claim ReviewFrozen Pipe Claims: The Vacancy Question That Catches Everyone Out
Winter freeze claims are common across Pennsylvania, and vacancy is where carriers look hardest. If a property was empty when a pipe burst, insurers often argue reasonable heat was not maintained or the property was not checked often enough, and that argument can wipe out a claim that should have been paid in full. K9 pushes back on that argument and fights for the settlement your policy actually owes.
The damage from a burst pipe rarely stays where it started. Water moves through walls, floors and shared spaces long before anyone notices, and carriers tend to lowball the scope once they see it. K9 makes sure the full extent of the loss is accounted for before any number gets accepted.
Timing matters just as much as cause. Carriers move fast to close a file once damage is contained, and reopening a claim after it closes is a fight of its own. K9 gets involved early so the loss is documented in full before a lowball number ever gets accepted.
Philadelphia Row Homes and Hail Damage Across the State
Philadelphia's row homes are a different business. Shared walls mean damage in one unit is rarely isolated, and when a loss happens the carrier position tends to be the same: this is wear, this is deferred maintenance, this is not something the policy covers.
Outside the city, hail and wind take over as the leading cause of roof claims, from the Lehigh Valley through Lancaster and Harrisburg. Carriers frequently write the damage off as cosmetic or pre-existing wear, even when a full roof replacement is what the loss actually requires. K9 pushes back on that characterization and fights for the settlement the damage calls for.
Pennsylvania Claims We Handle
Water damage and pipe failures · Wind and hail damage · Fire and smoke damage · Roof damage · Multi-family and mixed-use property claims · Loss of rents · Business interruption · HOA and condominium association claims · Vandalism and theft · Denied and underpaid claim reviews
Where We Work in Pennsylvania
We are licensed statewide. Most of our Pennsylvania work sits in:
Philadelphia Metro: Philadelphia · Bucks County · Montgomery County · Delaware County · Chester County
Central PA: Harrisburg · Lancaster · York · Reading · Allentown
Western PA: Pittsburgh · Allegheny County · Erie · Westmoreland County
Pennsylvania Questions We Get Asked
My carrier says the damage isn't covered under my policy. Can that be challenged?
Yes, and it is one of the most common disputes we see. Classification is a judgment call based on the evidence, not a fixed fact, and a different set of eyes can reach a different conclusion. K9 documents the case properly and early, before the carrier's version becomes the only version.
Could my carrier be applying the wrong deductible?
It happens more often than people think. Wind and hail deductibles in Pennsylvania are often written as a percentage of the dwelling value rather than a flat dollar figure, and they only apply under specific conditions. K9 checks every deductible before a claim is settled, so you are never paying more than your policy requires.
Does a public adjuster have to be licensed in Pennsylvania?
Yes. Pennsylvania requires public adjusters to be licensed by the Pennsylvania Insurance Department to represent policyholders on property claims in the state. K9 holds Pennsylvania Licence No. 1276773. Ask any adjuster who approaches you after a storm for their licence number before you sign anything.
Can you take over a claim that has already been denied?
Often, yes. A denial is a position, not necessarily the end of the claim, and denials are sometimes based on an incomplete picture of the loss. Send us the denial letter and your policy and we will tell you honestly whether there is something to work with.
Talk to a Licensed Pennsylvania Adjuster
Tell us where the property is and what happened. A licensed adjuster will call you back: no cost, no obligation, and no fee unless we take the claim on.
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