Richards Insurance Adjusters

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

When an LTD claim starts dragging out, the pressure builds quickly.Missed income, repeated requests for information, and...
06/24/2026

When an LTD claim starts dragging out, the pressure builds quickly.

Missed income, repeated requests for information, and unclear answers can leave people feeling stuck while bills and responsibilities continue moving forward.

In many cases, delays are tied to how the claim is being interpreted and whether the full situation is being clearly presented.

The longer important details remain unclear, the harder the process can become.

A PUBLIC adjuster works on your side to help ensure the claim is properly documented, clearly presented, and fully understood as it moves through evaluation.

If your LTD claim has stalled, been delayed, or does not feel like it reflects your situation, it is worth taking a closer look.

đź“Ť Based in St. Albert and proudly serving Edmonton and communities across Alberta
đź“ž (780) 418-4344

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

Personal injury claims involve more than one side of the file.There is the legal case, and there is how the insurance si...
05/20/2026

Personal injury claims involve more than one side of the file.

There is the legal case, and there is how the insurance side of the claim is handled alongside it.

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.

When both sides are approached properly, it helps ensure the claim reflects the full scope of what is being advanced.

If you are dealing with a personal injury claim, get in touch to better understand how this works.

đź“Ť Based in St. Albert and proudly serving Edmonton and communities across Alberta
đź“ž (780) 418-4344

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

Long Term Disability claims can be denied for a number of reasons.In many cases, it’s not about whether the condition is...
05/15/2026

Long Term Disability claims can be denied for a number of reasons.

In many cases, it’s not about whether the condition is real. It comes down to how medical information aligns with the policy and how the claim is being interpreted.

Policy language can be specific. If the details of the claim don’t clearly match how the policy defines eligibility, it can lead to a denial or partial approval.

How the claim is documented and presented plays a bigger role than most people expect.
A PUBLIC adjuster focuses on how the policy is being applied and how the claim is evaluated, helping ensure the full picture is clearly understood.

If your LTD claim has been denied or doesn’t reflect your situation, it’s worth taking a closer look.

đź“Ť Based in St. Albert and proudly serving Edmonton and communities across Alberta
đź“ž (780) 418-4344

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

In personal injury claims, insurance issues can influence more than people expect.How coverage is interpreted, how the l...
05/11/2026

In personal injury claims, insurance issues can influence more than people expect.

How coverage is interpreted, how the loss is presented, and how details are documented can all affect how the claim develops.

These are not always obvious early on, but they can have an impact as the file moves forward.
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.

When the insurance side is approached carefully, it helps ensure the claim reflects the full scope of what is being advanced.

If you are dealing with a personal injury claim, get in touch to better understand how this works.

đź“Ť Based in St. Albert and proudly serving Edmonton and communities across Alberta
đź“ž (780) 418-4344

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

Sometimes, an LTD claim doesn’t feel right.It might be small things at first. Delays that aren’t clearly explained. Requ...
05/04/2026

Sometimes, an LTD claim doesn’t feel right.

It might be small things at first. Delays that aren’t clearly explained. Requests for the same information more than once. Answers that don’t fully address your situation.

Over time, those details can start to add up.
Many people assume this is just part of the process. In some cases, it is. In others, it can be a sign that how the claim is being evaluated isn’t fully aligned with the reality of the situation.

A PUBLIC adjuster focuses on how the claim is being interpreted and presented, helping ensure the details are clear and the full picture is properly reflected.

If your LTD claim feels off, it’s worth taking a closer look.

đź“Ť Based in St. Albert and proudly serving Edmonton and communities across Alberta
đź“ž (780) 418-4344

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

In personal injury claims, early decisions can carry weight.How a claim is positioned at the beginning, how details are ...
04/29/2026

In personal injury claims, early decisions can carry weight.

How a claim is positioned at the beginning, how details are documented, and how the insurance side is addressed can all influence how the file develops over time.

These early steps are not always easy to revisit later.

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 from the outset.

Approaching both sides of the claim properly from the beginning helps ensure the full scope is clearly reflected as the file moves forward.

If you are dealing with a personal injury claim, get in touch to better understand how this works.

đź“Ť Based in St. Albert and proudly serving Edmonton and communities across Alberta
đź“ž (780) 418-4344

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

Spring rain doesn’t just expose problems. It can cause them.As rainfall increases, water begins to move through areas ar...
04/28/2026

Spring rain doesn’t just expose problems. It can cause them.

As rainfall increases, water begins to move through areas around the home that aren’t built to handle sustained moisture. Rooflines, window seals, and foundations are common points where issues can start.

What begins as a small leak can quickly turn into interior damage if it isn’t caught early.
This is also when many claims begin to take shape, and how the issue is documented can affect how it’s evaluated.

A PUBLIC adjuster works with you once a claim is being made, helping ensure the damage and how it developed are clearly presented.
If you’re noticing signs of water during these spring rains, it’s worth taking a closer look.

đź“Ť Based in St. Albert and proudly serving Edmonton and communities across Alberta
đź“ž (780) 418-4344

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

Long Term Disability claims don’t always move as quickly as people expect.Delays are often frustrating, especially when ...
04/24/2026

Long Term Disability claims don’t always move as quickly as people expect.

Delays are often frustrating, especially when income and stability are already affected.

In many cases, delays are not about whether the condition is real. They come down to how medical information is presented, how policy language is applied, and how the claim is being evaluated.

Small gaps in documentation or unclear details can slow things down more than people realize.
A PUBLIC adjuster focuses on how the disability policy is being interpreted and how the claim is presented, helping ensure the full picture is clearly understood.

If your LTD claim feels like it’s taking longer than it should, it’s worth understanding why.

đź“Ť Based in St. Albert and proudly serving Edmonton and communities across Alberta
đź“ž (780) 418-4344

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

This is the time of year when moisture starts moving.As snow and ice melt, water begins working its way into areas it co...
04/21/2026

This is the time of year when moisture starts moving.

As snow and ice melt, water begins working its way into areas it couldn’t reach during the winter. Rooflines, siding, foundations, and window seals can all be affected.

The challenge is that this type of damage doesn’t always show up right away. By the time it’s noticed, how it developed can be harder to trace.
That can affect how a claim is evaluated.

A PUBLIC adjuster works with you once a claim is being made, helping ensure the damage is clearly documented and properly presented.

If you’re starting to notice changes around your home, it’s worth paying attention.

đź“Ť Based in St. Albert and proudly serving Edmonton and communities across Alberta
đź“ž (780) 418-4344

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

As the weather warms up, more people are getting back outside.Sidewalks, parking lots, and entrances may look clear, but...
04/13/2026

As the weather warms up, more people are getting back outside.

Sidewalks, parking lots, and entrances may look clear, but this time of year can be unpredictable. Melting during the day and freezing overnight creates uneven, slippery surfaces that aren’t always obvious.

This is when many slip and fall injuries happen.
What seems like a minor incident can lead to ongoing pain, time away from work, and a longer recovery than expected.

In a personal injury claim, a lawyer handles the case. A PUBLIC adjuster is brought in to assist by addressing the insurance aspects of the claim, helping ensure the full impact of the injury is properly represented.

If a fall or outdoor injury has already happened, it’s worth understanding how your claim can be approached.

đź“Ť Based in St. Albert and proudly serving Edmonton and communities across Alberta
đź“ž (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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