Mid Atlantic Public Adjusters

10/18/2026

THE HURRICANE MAY BE OVER, BUT FOR MANY HOMEOWNERS, THE REAL BATTLE IS JUST BEGINNING. 🏠🌪️

When disaster strikes, homeowners expect their insurance company to be there when they need it most.

Unfortunately, filing an insurance claim doesn’t always mean receiving enough money to properly restore your home.

A recent WPTV report highlights concerns raised by policyholder advocates about the challenges Florida homeowners face after storm damage.

⚠️ Here’s what every homeowner needs to understand:

✅ Having insurance doesn’t guarantee every loss is covered.

✅ Having a claim approved doesn’t mean the damage has been properly valued.

✅ An insurance adjuster’s estimate isn’t necessarily the final word on what repairs should cost.

✅ Missing or overlooked damage can leave homeowners paying thousands out of pocket.

✅ Homeowners have the right to question a settlement and provide additional documentation supporting their claim.

Here’s the bottom line:

Your insurance policy is a contract. You pay your premiums, and you deserve to receive the benefits you’re entitled to under that contract.

Insurance companies have professionals evaluating claims on their behalf. Homeowners should understand that they can also seek qualified professional representation to protect their interests.

💡 Don’t confuse an insurance company’s first offer with the full amount you may be entitled to receive.

📖 Read the full WPTV report:
https://www.wptv.com/money/real-estate-news/policyholder-advocates-warn-florida-homeowners-of-insurance-challenges-after-hurricane-isaias

As homeowners in Florida's Panhandle begin navigating insurance claims after Hurricane Isaias, policyholder advocates are sounding a warning.

09/02/2026

Her insurance company said her fire claim wasn’t covered. The next day, they changed their answer.

I got a call from the woman in this picture during the early days of COVID.

Her mobile home had burned down.

She had lost her home and her belongings, and then received even more devastating news: the insurance company told her the claim wasn’t covered.

She didn’t know what to do, so she called me.

After talking with her, I learned that she had purchased her insurance online. She owned a mobile home, but the policy she purchased was written for a rancher.

It was an understandable mistake.

I told her, “Don’t panic. I think you’re going to be covered. Let me talk to the adjuster.”

Once she hired us as her Public Adjuster and we submitted our letter of representation, I called the insurance company’s adjuster.

He told me they were preparing to close the claim because there was no coverage.

I asked why.

“Because she has a rancher policy instead of a mobile home policy.”

I told him I didn’t believe that was enough to deny her claim.

Then I asked an important question:

When the policy was issued, did anyone from the insurance company inspect the property and verify that it was actually a rancher?

He didn’t know.

We went back and forth, and before getting off the phone I told him:

“When you have your meeting and figure out that this claim is covered, call me tomorrow so we can move forward.”

He told me I wouldn’t be hearing from him.

The next day, my phone rang.

It was the adjuster.

“I have good news. Your client is covered.”

And that was only the beginning.

Once we started working through the claim, the mobile home was determined to be a total loss. The home had been worth around $80,000, and her personal property was valued at approximately $50,000.

But COVID had turned the market upside down.

Because of supply-chain issues and dramatically increased construction costs, replacing that same mobile home was going to cost approximately $205,000 — and take around eight months to build.

Between the home and personal property, we were now dealing with a claim worth roughly a quarter of a million dollars.

But I saw another problem.

Why spend $205,000 replacing a mobile home that could eventually fall significantly in value again?

She would also continue paying ground rent because she didn’t own the land underneath it.

So I started thinking:

What if we could use this claim to put her in a traditional house instead?

Initially, the insurance company wasn’t interested.

So I looked at the situation from their side.

If the replacement mobile home would take eight months to build, the insurance company could potentially be responsible for months of additional living expenses.

I went back to the adjuster with a proposal:

“If I can get her into a house within 30 days and save the insurance company approximately $18,000 in additional living expenses, will you agree to it?”

He said yes.

I called my client.

“If you can find a house and get under contract within the next 30 days, I believe we can make this work.”

And she did.

Instead of putting the insurance proceeds into a mobile home sitting on someone else’s land, she was able to put that money toward a home and land of her own.

Even better?

Her remaining mortgage payment was less than what she had previously been paying just in ground rent.

Think about where this story started.

Her home burned down.

She was told there was no coverage.

She called us looking for help.

And ultimately, she walked away with something she didn’t have before the fire:

A home of her own, on land of her own, with equity for her future.

That’s why being a Public Adjuster isn’t always just about arguing over numbers.

Sometimes it’s about looking at the entire situation, finding a creative solution, and asking:

“How can we make this claim work better for our client’s life?”

We can’t promise that every claim will have the same outcome.

But we can promise that we’ll look at every angle and fight to get our clients the best result we can.

This is just one story. We have many more.

04/29/2026

https://www.facebook.com/share/p/1Ek2JJyJkY/?mibextid=wwXIfr

03/27/2026

If you’re a homeowner in Maryland, understanding Public Adjusters before you ever have a claim can make a massive difference in your experience.

Not all states treat Public Adjusters the same—and that matters more than most people realize.

Here’s what you should know 👇

🏠 Maryland Has Strong Consumer Protections
In Maryland, Public Adjusters must be licensed through the Maryland Insurance Administration, meaning they’re regulated, tracked, and held accountable. (Tiger Adjusters)

📝 Contracts Are Strictly Regulated
Maryland law requires a written contract with specific disclosures, including license number, contact info, and clear terms. This protects homeowners from vague or misleading agreements. (Justia Law)

💼 They Work for YOU—Not the Insurance Company
A Public Adjuster in Maryland is legally defined as someone hired by the policyholder to help evaluate and negotiate a claim—not the insurer. (Maryland Insurance Administration)

⚖️ Compared to Other States… It’s a Mixed Bag
Not every state offers the same level of structure:

❌ Some states don’t even recognize Public Adjusters at all
❌ Others don’t require licensing or have minimal oversight
❌ Some allow high fees or have little contract protection

For example, certain states either don’t license Public Adjusters or have no fee caps or strict rules, creating more risk for homeowners if they don’t do their homework. (Tiger Adjusters)

🚨 What This Means for Homeowners
Just because someone calls themselves a “Public Adjuster” doesn’t mean they’re regulated the same way everywhere.

In Maryland, you have protections—but you still need to:

✔️ Verify licensing
✔️ Read the contract carefully
✔️ Understand how they’re paid
✔️ Know your rights before signing anything

💡 Bottom Line
Maryland gives homeowners a more structured and regulated environment when working with Public Adjusters—but not all states do.

The biggest mistake homeowners make?
Waiting until after a loss to learn how this works.

Take the time now to understand your options—because when a claim happens, it’s already a high-stress situation.

03/27/2026

Before you ever have to file a homeowners insurance claim, what you don’t know can cost you the most.

Many homeowners only realize there’s a problem with their coverage when they’re already dealing with damage, stress, and unexpected expenses. Here’s what you should be paying attention to before you ever need to use your homeowners insurance:

🏠 Know What Your Policy Actually Covers
Not all damage is covered. Things like water backup, flooding, or certain types of roof damage may require additional coverage. Don’t assume—verify.

💰 Understand Your Deductible
A lower monthly premium might mean a higher deductible. Make sure it’s an amount you can comfortably pay if something happens.

🌧️ Ask About Common Claims in Your Area
Whether it’s storm damage, wind, or water issues—ask how your policy responds to the most likely risks where you live.

🧾 Create a Home Inventory
Take photos or videos of your belongings and keep receipts when possible. This can make a huge difference in how smoothly your claim is handled.

📉 Replacement Cost vs. Actual Cash Value
Know the difference. Replacement cost covers what it takes to replace items today—actual cash value factors in depreciation (and can leave you short).

📞 Know the Claims Process Ahead of Time
Who do you call first? How soon do you need to report damage? The last place you want confusion is during a crisis.

🔍 Review Coverage Limits
Make sure your dwelling, personal property, and liability limits truly reflect today’s costs—not what your home was worth years ago.

🛠️ Understand Repair Expectations
Will your insurance allow you to choose your contractor? Are there restrictions? Know this before you need repairs done quickly.

🤝 Work With Someone You Trust
Having a knowledgeable and responsive agent can make all the difference when you’re navigating a claim.

At the end of the day, homeowners insurance isn’t just about having coverage—it’s about understanding it before you need it.

Take the time now to review your policy so you’re not caught off guard later.

03/20/2026

🏢 Commercial Property Damage Claims

Property damage doesn’t just impact homes — it can disrupt businesses as well.

Insurance claims for commercial properties may include:

• Structural repairs
• Equipment damage
• Business interruption
• Inventory losses

At Mid-Atlantic Public Adjusters, we assist business owners in navigating the insurance claim process so they can focus on getting operations back on track.

03/18/2026

🤝 Why hire a Public Adjuster?

A Public Adjuster helps property owners by:

✔ Interpreting the insurance policy
✔ Documenting all damages
✔ Preparing claim estimates
✔ Negotiating with the insurance company
✔ Managing the claim process

Instead of navigating the claim alone, you have a professional advocate working on your behalf.

📞 Contact Mid-Atlantic Public Adjusters for guidance on your property claim.

03/18/2026

🏠 Understanding Your Policy: Dwelling vs. Other Structures 🏠

One of the most common areas of confusion in property insurance is the difference between Dwelling Coverage (Coverage A) and Other Structures Coverage (Coverage 😎. Knowing how your policy classifies these can make a big difference at claim time.

🔹 Dwelling (Coverage A)
This includes your main home and anything attached to it. The key word here is attached — meaning physically connected in a permanent way.

Examples of what’s typically considered part of the dwelling:
• Attached garages
• Decks or porches that are physically connected
• Built-in additions
• Structures with shared walls or roofing systems

👉 A good rule of thumb: if you can walk from your house into the structure without going outside, or if it’s structurally integrated, it’s likely part of the dwelling.

⸻

🔹 Other Structures (Coverage 😎
This covers structures on your property that are separate from the main home.

Examples include:
• Detached garages
• Sheds
• Fences
• Gazebos
• Pool houses

But here’s where it gets tricky…

⸻

⚡ Important Distinction: Connected vs. Not Connected

Many homeowners assume that if something has utilities, it’s part of the dwelling — but that’s not always true.

✔️ Hardwired or permanently connected systems (like electrical, plumbing, or HVAC) can blur the line — but they don’t automatically make a structure part of the dwelling.

❗ What really matters is structural attachment, not just utility connection.

Examples:
• A detached garage with electricity → still considered Other Structures
• A shed with underground wiring → still Other Structures
• A garage connected by a breezeway → depends on whether it shares a continuous roof/structure (this can vary by policy)

⸻

🧠 Why This Matters

Coverage limits are different:
• Dwelling = usually the highest coverage limit
• Other Structures = often only 10% of the dwelling limit

If a structure is misclassified, you could be underinsured without realizing it.

⸻

📌 Pro Tip from a Public Adjuster:
When reviewing your policy or filing a claim, don’t rely on assumptions. The way a structure is attached (or not) can directly impact how your claim is handled and how much you’re paid.

If you’re unsure, it’s always worth having a professional review your policy before you need it.