Able Public Adjusters 215-343-8900

03/24/2026

Not happy with your final homeowners insurance payment?

Avoid DENIED and UNDERPAID property insurance claims. Call a Public Adjuster before anybody else. We will evaluate the claim and ensure it is presented correctly for maximum returns and no denials.

Property owners are calling Able after the fact and asking that we clean up the mess they handled incorrectly. As professionals, we are very capable of working it out but PREFER handling the claim from the very start. Everybody's best interest is our biggest concern.

03/12/2026

03/11/2026

A must-see video if you have State Farm homowners insurance or any other carrier. It's not just roofing; it's all dwelling components.

Upper management creates policy exclusions whenever they encounter widespread losses and assumes the average homeowner won't do a thing about it. This is criminal. They continue this practice until stopped by State Insurance Commissions or by legal challenges and pay a minimal fine far exceeded by profits from deceiving their policy holders. This is why you need Able Public Adjusters. We need to fight back with a vengeance. Call Ray Wyszynski 24/7.

01/25/2026

When the snow starts melting and re-freezes at night, ice damning occurs and can enter your roof. Call 📞 Able Public Adjusters to maximize your homeowner's claim. Keep your car parked away from old trees. And please turn off your hose bibs from the inside. Ray 215-343-8900 24/7

01/21/2026

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Winter storm alert....
Heavy snow on top of the existing snow and ice may lead to roof collapse or ice damming. Snow on the eaves (overhang) of the unheated portion of your roof will melt during the sunny days and freeze at night causing ice to expand and lift shingles allowing water infiltration into your home the next day. Unfortunatly, there are no proactive measures to mitigate this process. If you notice wet drywall on the perimeter ceilings and walls of your home, call Able Public Adjusters, Inc. to make you whole again. 215-343-8900

10/27/2025

Exposing the crooks

10/07/2025

Credit: Merlin Law Group

Why Is It Acceptable for Insurers to Pay Their Experts But Controversial When Policyholders Pay Theirs?

After every fire disaster, business owners and families face not just property damage but questions of health and safety. One of those is whether it’s acceptable to live or work in structures contaminated by smoke, lead, and heavy metals.

Recently, I saw comments in LinkedIn suggesting that when public adjusters advocate for safer conditions following the Los Angeles fires, “it’s only about money.” What struck me as ironic is that these same critics make their living serving insurance companies. These critics are paid to find ways or provide services to prevent or limit what policyholders recover.

The truth is simple that every professional in the claim process whether they are contractors, insurers, lawyers, adjusters, gets paid for their work. Payment is not the problem.

The real issue is whose interests are being served. Public adjusters are paid to advocate for policyholders, ensuring survivors are not left in unsafe structures. That’s not exploitation. Instead, it’s advocacy which is required by their state issued license.

At its core, this isn’t a debate about commissions or costs. It’s about dignity, fairness, and health. Disaster survivors deserve professionals willing to stand with them, even when it’s difficult.

Criticizing public adjusters for being paid to help disaster survivors is like criticizing doctors or nurses for helping patients in the emergency room because they receive a paycheck. Payment doesn’t diminish the value of their service. Payment sustains it. And for families or business owners facing unsafe homes to live or work in, that service can make the difference between despair and recovery.

Maybe we should be asking a different question. Why is it acceptable for those who reduce the full and fast payment of claims to be compensated or provided incentives to do so, but controversial for those who fight for full and fair insurance recovery?

Ref: Chip Merlin Esq.
LinkedIn.com

05/16/2025

NEWS FLASH:
Severe weather is heading our way from the southwest. Batten down the hatches, put the car in the garage, tie down your patio furniture, and get ready to video the strong winds and hail stones. Have flashlights ready. Our insurance companies will be telling us next week that there were no weather -induced damages from this storm. Document everything and call Able Public Adjusters if you get hit. Ray Wyszynski

01/11/2025

With all the attention directed at "extinguishing" the California wildfires, I'm afraid to say the exposures (victims) may be overlooked right now as our government is only focusing on the "allegation-of- funds" to reimburse the already wealthy state for the cost of fighting these fires. This is good news but we also need our future POTUS to work with congress to force the insurance carriers to work quickly and honestly to make "these people" whole again. The victims of this natural disaster are in for more pain and grief than anybody can ever imagine. Let us pray for them. The major insurance carriers are already posturing themselves to minimize these losses as much as possible. For the innocent victims, resolving matters with their fire insurance company is going to be round two of this severe disaster. The loss is expected to exceed 52 to 55 billion dollars and growing daily. Every day the insurance companies delay to take action is interest on that money already lining their deep velvet pockets. Their own in-house risk management advisors will advise them, as always, to delay, deny, and defend these losses to buy time and maintain their flow of investment dividends to their own benefit, not the insured's. Congress and our newly elected officials should start working on a plan to "FORCE" the insurance companies to act within a reasonable amount of time or face severe penalities and criminal offences for not serving the best interests of their policy holders as promised. This should be the next priority after extinguishing these wild fires and paying back the cost of this effort.

Our campaign to protect homeowners against these insurance companies should be called to the attention of every member of Congress and call it the movement to fight fire with fire by initiating an act to force insurance carriers to deliver what they promised in their policy of insurance for the people. Call it FORCE INSURANCE COMPANIES TO ACT (FICTA) !!!

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01/07/2025

Keep the heat up to avoid frozen pipe breaks. Homeowners with 2 stories and dorm attics with "radiant heat" running through them should open the access door to the attic and close the bedroom door to let heat in the unheated area with plumbing in it. Some might even point a box fan from the room into the attic to push more warm air into that area for a few days when temperatures are at their lowest (now).

The increased cost to adequately heat and protect your home for a couple of months will never exceed the cost or aggravation of remodeling a flooded home as a result frozen pipes bursting. If this happens to you and you have to make an insurance claim, get ready for war or hire the mercenaries at Able Public Adjusters to fight for you!