A public adjuster is a licensed insurance professional who represents policyholders in the preparation, negotiation, and settlement of property damage insurance claims. Unlike the insurance company’s adjuster — who works for the insurer — a public adjuster works exclusively for you, the policyholder, to ensure you receive a full and fair settlement.
Young Adjustment Company is a Philadelphia-based public adjusting firm with more than a century of experience helping homeowners and businesses recover after disasters. We work only for policyholders, never for insurance companies. Learn more about Young.
Insurance company adjusters are hired to protect the insurer’s bottom line. Young works exclusively for you. Our adjusters, building consultants, and forensic accountants evaluate your loss, prepare detailed documentation, and negotiate directly with the insurer to maximize your recovery.
The earlier you call us, the better. Hiring Young immediately after a loss helps ensure your claim is set up correctly. We can also step in if your claim was underpaid, denied, or the process has stalled. Start a claim here.
We handle large and complex property losses including
fire & smoke,
water/burst pipe, wind & hail, hurricane/tornado, vandalism/theft, building collapse, winter weather damage, and
business interruption/loss of income.
We work on a contingency fee basis. There are no upfront costs — we only get paid when you get paid. Our fee is a percentage of your final settlement.
Every case is different, but policyholders who hire Young often recover significantly more than they would on their own. Our team identifies hidden damages, values business interruption, and negotiates to secure the maximum recovery allowed by your policy.
Yes. We can review your file and, when warranted, reopen negotiations with your insurer. Our goal is to pursue every dollar you are entitled to under the policy — even if your claim was previously closed.
Experience, scale, and results. We offer 100+ years of proven experience, broad regional coverage, a deep bench of construction experts and forensic accountants, and a long track record of recovering significant settlements for policyholders.
We serve policyholders throughout the Northeast, Mid-Atlantic, Midwest, and Canada. Explore our Public Adjuster Near Me hub for local support.
Timelines vary by claim complexity, scope of damage, and insurer responsiveness. Some claims resolve in weeks; large or complex losses can take months. Our involvement helps keep your file moving and fully documented.
Both. We represent single-family homes, multi-family/HOAs, schools, manufacturing facilities, warehouses, retail, hospitality, healthcare, religious institutions, and more.
Yes. When needed, we coordinate with attorneys, engineers, hygienists, contractors, and CPAs to strengthen your claim and support negotiations.
We are licensed across many U.S. states (and support select Canadian markets). Check our locations directory or call 800-345-8321 and we’ll confirm availability in your area.
Claims are complex and time-consuming. By hiring Young, you gain an advocate who levels the playing field, manages every detail, and fights for the maximum recovery under your policy.
Our headquarters are in Philadelphia, and we serve clients across the Northeast, Mid-Atlantic, Midwest, and Canada. Explore key city pages:
Philadelphia,
Allentown,
Voorhees,
Jersey Shore,
Wilmington,
Scranton,
Cleveland,
Boston,
Toronto.
Full list: Public Adjuster Near Me.
Full list: Public Adjuster Near Me.
We serve policyholders across many U.S. states and in Canada. Visit our locations hub to find support near you.
No. Young works on a contingency basis — if there’s no recovery from the insurer, you owe no fee. In some cases, third-party costs (for example, engineering or specialty testing) may be separate and only incurred with your prior approval and where permitted by law.
We’re known for large and complex claims, but we evaluate losses of all sizes. If your claim is smaller, we’ll advise you on next steps, share self-help resources, or, when appropriate, refer you to trusted partners so you still get the guidance you need.
You only need your insurance policy for a free, no-obligation review.
We don’t perform repairs. Your contractor rebuilds; Young documents the scope, values the loss, and negotiates with the insurer. We coordinate on estimates, materials, and code upgrades so the claim reflects the full, proper cost to restore the property.
Yes. We can step in at any stage — early filing, after a partial payment, or following a denial. We review your file, identify gaps, supplement documentation, request reinspections if warranted, and handle negotiations to pursue the full benefits of your policy.
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