Richards Insurance Adjusters

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Richards Insurance Adjusters As a public insurance adjuster, John Richards works independently from all insurance companies.

St. Albert is home, and the people here are my neighbours.Over the years I've sat down with families after a house fire....
10/08/2026

St. Albert is home, and the people here are my neighbours.

Over the years I've sat down with families after a house fire. With business owners after a flood. With people whose disability benefits stopped, or whose accident left them facing an insurance company they didn't know how to deal with.

Every one of those claims is different. What they share is that the insurance company has people looking after its interests. As a PUBLIC adjuster with 35+ years in insurance, I look after yours.

If you or someone you know in St. Albert is working through a claim, I'd be glad to help.
We work for you, not the insurance company. We are on your side, not theirs.

📍 Serving St. Albert and area
📞 780-418-4344
🌐 richardsonyourside.com

Getting approved for CPP disability does not always mean more money in your pocket. Sometimes the total barely moves.If ...
09/25/2026

Getting approved for CPP disability does not always mean more money in your pocket. Sometimes the total barely moves.

If you are on long-term disability and being told to apply for CPP, it is worth understanding what it means for you first.

That is a conversation worth having. Get in touch to learn more.

📍 Based in St. Albert and proudly serving Edmonton and communities across Alberta
📞 (780) 418-4344

We work for you, not the insurance company. We are on your side, not theirs.

When a basement floods, the question that decides your claim is not how bad it is. It is where the water came from.Water...
09/23/2026

When a basement floods, the question that decides your claim is not how bad it is. It is where the water came from.

Water from a burst pipe, water that backs up through a drain, and water that flows in from outside are all treated differently by your policy. Some is covered, some may not be. Two homes on the same street can flood the same way and end up with very different claims.

Establishing that cause, and documenting the loss properly, is the insurance side. It is the part a PUBLIC adjuster handles for you.

If you are dealing with a flooded home and a claim, get in touch to learn more.

📍 Based in St. Albert and proudly serving Edmonton and communities across Alberta
📞 (780) 418-4344

We work for you, not the insurance company. We are on your side, not theirs.

A car accident does not always end with the vehicle. If the injuries keep you off work, it can become a long term disabi...
09/21/2026

A car accident does not always end with the vehicle. If the injuries keep you off work, it can become a long term disability claim, and most people never see that part coming.

When you are hurt badly enough that you cannot work for months, your time off is no longer only about the accident. It can fall under your long term disability coverage, through work or a private policy, as a separate claim with its own forms, its own insurer, and its own process.

Most people are focused on recovering and on the accident itself, so the disability side is easy to miss entirely.

That side has an insurance element, and it is the part a PUBLIC adjuster handles for you, so it is looked after while you focus on getting better.

If you are off work after an accident and facing a long term disability claim, get in touch to learn more.

📍 Based in St. Albert and proudly serving Edmonton and communities across Alberta
📞 (780) 418-4344

We work for you, not the insurance company. We are on your side, not theirs.

When you go off work with a long term disability, most people expect the payments to start soon. They don't always.Most ...
09/18/2026

When you go off work with a long term disability, most people expect the payments to start soon. They don't always.

Most policies have a waiting period first, and that clock starts the day you stop working, not the day you apply.

The claim also takes time to be reviewed and approved. Leave it too late, and you can end up with a gap in income right when you can least afford one.

That is why it helps to get the claim moving early. A PUBLIC adjuster can handle the insurance side for you, so it is underway while you focus on getting better.

If you are going off work and facing a long term disability claim, get in touch to learn more.

📍 Based in St. Albert and proudly serving Edmonton and communities across Alberta
📞 (780) 418-4344

We work for you, not the insurance company. We are on your side, not theirs.

Most people picture a long term disability claim starting with something dramatic. Usually, it starts with an ordinary d...
09/17/2026

Most people picture a long term disability claim starting with something dramatic. Usually, it starts with an ordinary day.

A slip on the stairs. A back that goes out while lifting something. An illness that was supposed to pass and didn't. One ordinary moment, and suddenly you are off work with no clear idea of when you will be back.

That is where a long term disability claim begins, and where the forms, the deadlines, and the back and forth with the insurer start piling up on top of everything else.

You do not have to handle that part alone. A PUBLIC adjuster works the insurance side of the claim for you, so you can focus on getting better.

If you are off work from an injury or illness and dealing with a disability claim, get in touch to learn more.

📍 Based in St. Albert and proudly serving Edmonton and communities across Alberta
📞 (780) 418-4344

We work for you, not the insurance company. We are on your side, not theirs.

Getting approved for long term disability can feel like the finish line. For a lot of people, it isn't.Most policies cha...
09/15/2026

Getting approved for long term disability can feel like the finish line. For a lot of people, it isn't.

Most policies change the definition of disability at the two year mark from:

"Own occupation": can you do your own job?

to:

"Any occupation": can you do any job?

Same disability. Very different question. That is why claims that were approved and paying can be cut off at two years, even when a person's health has not improved at all.

If you are approaching that mark, it is worth understanding exactly what your policy says before the definition shifts on you. That is the kind of thing a PUBLIC adjuster can help you work through.

If you are on a long term disability claim and want to know what happens at the two year point, get in touch to learn more.

📍 Based in St. Albert and proudly serving Edmonton and communities across Alberta
📞 (780) 418-4344

We work for you, not the insurance company. We are on your side, not theirs.

Most people have never heard of a public adjuster. That usually changes right after a claim goes sideways.When you file ...
09/08/2026

Most people have never heard of a public adjuster. That usually changes right after a claim goes sideways.

When you file a claim, the adjuster who shows up works for the insurance company. A PUBLIC adjuster is the opposite. They work only for you.

Most people do not know that second option exists until they are deep in a claim and wishing someone was on their side of it.

If you have a claim and want to know what having someone in your corner looks like, get in touch to learn more.

📍 Based in St. Albert and proudly serving Edmonton and communities across Alberta
📞 (780) 418-4344

We work for you, not the insurance company. We are on your side, not theirs.

A long term disability claim does not pause because you are unwell.The forms, the deadlines, and the requests from the i...
09/02/2026

A long term disability claim does not pause because you are unwell.

The forms, the deadlines, and the requests from the insurer keep coming, right when you have the least energy to deal with them.

That part is insurance work, and it is separate from the legal side. A PUBLIC adjuster handles the insurance side of the claim, so you can focus on getting better.

If you are on a long term disability claim and want to understand how the insurance side works, get in touch to learn more.

📍 Based in St. Albert and proudly serving Edmonton and communities across Alberta
📞 (780) 418-4344

We work for you, not the insurance company. We are on your side, not theirs.

Legal action is only one part of a personal injury claim.As the case moves forward, insurance interpretation, documentat...
07/15/2026

Legal action is only one part of a personal injury claim.

As the case moves forward, insurance interpretation, documentation, timelines, and policy-related issues can all influence how the file develops behind the scenes.

These are not always obvious early on, but they can become important later in the process.
A personal injury claim is handled by a lawyer. A PUBLIC adjuster is brought in to assist that legal work by addressing the insurance aspects of the claim alongside it.

When both sides are approached carefully from the beginning, it helps ensure the full scope of the claim is properly reflected.

If you are dealing with a personal injury claim and want to better understand how the insurance side works, get in touch to learn more.

📍 Based in St. Albert and proudly serving Edmonton and communities across Alberta
📞 (780) 418-4344

We work for you, not the insurance company. We are on your side, not theirs.

Address

7 St. Anne Street
Saint Albert, AB
T8N2X4

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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