Licensed Public Adjusters

We'll help bring you home.

No one is ever prepared for the call that changes everything. In the days that follow, you shouldn't have to carry the weight of the insurance process alone. We'll help you navigate what's next, protect what's most important, and never lose sight of the reason you're rebuilding: to get your family home.

No fee unless we win
Available 24/7
125+ years combined experience
FireSmokeWaterWind
125+Years of Combined Experience
24/7Always Available
100%On Your Side
MaxSettlement Negotiated
Capitol Adjustment adjuster meeting with homeowners

"We've recovered tens of millions for homeowners just like you."

125+ years of combined experience fighting for fair settlements.

Who We Are

Real people helping real families recover.

We know how overwhelming it feels after a fire, flood, or storm. That's why our team of licensed public adjusters steps in to handle everything — the paperwork, the negotiations, the back-and-forth with your insurance company — so you can focus on what matters most.

Meet Our Team

Client Story

Our insurance company's initial estimate came in at $250,000. After Steve Chairmonte and the Capitol Adjustment team stepped in, fought every discrepancy, and took it all the way through arbitration — the final judgment came out to over $500,000. He never called it good enough. He pushed until what was right actually happened.
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Matt Moyer

Verified Google Review

What We Handle

We've seen it all. We know how to fight for you.

Storm Damage

Storm Damage

Wind, hail, hurricanes — we document every detail and negotiate the maximum payout for your roof, structure, and contents.

Fire Damage

Fire Damage

From smoke and soot to total loss, we ensure nothing is overlooked and your claim reflects the true cost of recovery.

Water Damage

Water Damage

Flooding, burst pipes, leaks — we work fast to assess the full scope of damage before your insurer minimizes it.

Theft & Vandalism

Theft & Vandalism

We help you document losses accurately and push back against lowball offers from your insurance company.

Our Process

Simple steps. Maximum results.

01

Free Inspection

We come to your property, assess the damage thoroughly, and explain your options — at no cost to you.

02

We Build Your Case

Our team prepares a detailed estimate and handles all paperwork and communication with your insurer.

03

We Negotiate

We fight for the highest possible settlement, pushing back on underpayments and denials.

04

You Recover

With your full settlement secured, you can focus on rebuilding your home and your life.

What Our Clients Say

Real Stories. Real Results.

Verified Google reviews from homeowners we've helped.

"After dealing with a stressful insurance claim and months of back-and-forth with the insurance company, I honestly don't know what I would have done without this team. They went to bat for me and fought tirelessly on my behalf, handling mountains of paperwork and constant pushback. Their persistence and expertise resulted in a settlement that far exceeded what I could have achieved on my own. Beyond their professionalism, they are genuinely good people who truly care about their clients and treat you like family."
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Theodore Brophy

2 weeks ago · Google Review

"I had an amazing experience working with Capitol Adjustment and their team. From start to finish, they were professional, responsive, and truly had my best interest in mind. They worked hard on my claim and were able to get me a significant amount of money back — way more than I expected. You can tell they genuinely care about their clients and go above and beyond to make sure everything is handled properly."
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Jennifer Brooks-Donnelly

3 months ago · Google Review

"My girlfriend and I contacted Tim at Capitol Adjustment when we experienced water damage on our newly purchased home. Tim and his company came out right away, took photos, assessed the damage, and helped us navigate through our insurance claim process with proper documentation. They've been extremely professional and super helpful throughout these last few months. Tim and his company were there every step of the way to answer any questions and kept us fully up to date throughout the whole process."
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Doug Casale

1 month ago · Google Review

"We were on the fence about whether or not to use an adjuster when dealing with fire damage at our home, and we could not be more grateful. Thanks to Dave's knowledge and request to cut a small hole in our ceiling, our insurance discovered severe smoke damage in all of our ceilings and behind our walls. Steve continued to be incredibly supportive during the 5 months we were displaced. These guys absolutely know their stuff. We don't know how we would have made it through this year without them!"
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Kyle Leigh Healy

7 months ago · Google Review

"If there's one thing you should do in the event of having a home disaster is call Capitol Adjustment. I had a pipe burst and it damaged all floors of my home! With the proper guidance and education from Dave Ryan I was able to have my home repaired! Dave not only handled everything with my insurance company, he also helped me find a reliable contractor for the repairs. Dave by far goes above and beyond for his customers and I highly recommend him!!"
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Roneece D

8 months ago · Google Review

"I had an awesome experience with Capitol Adjustment! I worked through the process with David Ryan and let me tell you, these guys know what they're doing. For someone like myself that had never been through an event like this before, Dave was able to clearly walk me through everything until it was resolved. I highly recommend using them!"
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Brett Estok

8 months ago · Google Review

"We are very grateful for the way Capitol Adjustment handled our claim and how they walked us through the process with no problems. They took care of dealing with the insurance company completely while I was able to take care of repairing my property. We would like to especially thank George Carroll for staying in touch with us throughout this entire time and for getting us great results."
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Paul Zito

6 months ago · Google Review

"Capitol Adjustment helped guide us through this stressful period. Dave and his team were professional and empathetic to the situation, informative and supportive in assessing all damages from a neighboring fire. They reviewed all our options and helped make the best decisions we could. I'd recommend their team if you and your family are ever in need."
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edgardo deleon

1 year ago · Google Review

"My roof sustained severe damage from a huge tree branch. I was lost on what to do. After our first conversation with George at Capitol Adjustment, I knew I called the right person. The professional, quick service — from removing the tree branch, speaking with my insurance company, to having the roof and gutters replaced — was outstanding. It was a real pleasure dealing with such an honest person. I don't write reviews unless it's 5-star service. This was definitely it."
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George Brown

1 year ago · Google Review

"Words and appreciation cannot be expressed as it deserves. My adjuster Shawn and his team are unbelievable — caring, precise, attentive, detailed, and hard working. Shawn did everything possible to make sure my husband and I entered our home in a better state than before. We were entirely blessed to have come across a group of people who made sure our home was back better than before."
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DIAMOND GHEE JR.

1 year ago · Google Review

"George provided outstanding support after storm damage to a roof and interior. He was extremely communicative and responsive throughout the entire process, keeping me informed at every step. What impressed me most was how he guided me through the complex insurance claim process and handled all correspondence with my insurance company on my behalf. His expertise and professionalism made a stressful situation much more manageable."
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Anthony Smyrski

1 year ago · Google Review

"I worked with Tim and the Capitol Adjustment team and they are a delight to work with. They helped me understand the process and proactively worked with my mortgage company to get status on payments. If you are looking for a proactive claim adjuster willing to hold your hand throughout the process, it is Tim and Capitol Adjustment."
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Buyan Kumar

1 year ago · Google Review

"My husband and I bought our first home and about a month later had a major sewer line issue. Steve from Capitol was a referral through family and I am so glad we contacted him. His time spent dealing with our insurance company alone shows the dedication he has to the business. It took almost a year of battling with our insurance company but he was able to have our loss and the damage covered. Without hesitation, I would recommend Capitol — they know the industry and took a lot of stress off of us."
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Madison Brandt

4 years ago · Google Review

"These folks at Capitol Adjustment were absolutely terrific in getting me the most for my home destroyed by fire! They seem to care about their clients, which is something I worried about, but they were very caring and understanding. It is a tough time and they alleviated much of the stress associated with a house fire. Kudos to George and Tim!"
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Robbie Ellis

1 year ago · Google Review

Reviews sourced from Google

Where We Work

Serving homeowners & businesses across 5 states

Capitol Adjustment is licensed in Pennsylvania, New Jersey, Delaware, Maryland, and Connecticut. If you've experienced property damage, we're ready to help — wherever you are in our coverage area.

Common Questions

What homeowners ask us most

How much does a public adjuster cost?

We work on a contingency fee — meaning we only get paid when you do. Our fee is a percentage of your final settlement, so there is no upfront cost and no risk to you.

When should I call a public adjuster?

As soon as possible after a loss. The earlier we get involved, the better we can document the damage, protect your rights, and prevent the insurance company from undervaluing your claim.

Can I still hire you if my claim has already been filed?

Yes. We can step in at any stage — even if your claim has been denied, underpaid, or is already in dispute. It is never too late to get professional representation.

What types of damage do you handle?

We handle fire, smoke, water, storm, wind, hail, and other covered property losses for both residential and commercial properties across Pennsylvania, New Jersey, Delaware, Maryland, and Connecticut.

How long does the claims process take?

Every claim is different. Simple claims can resolve in a few weeks, while complex losses may take several months. We keep you informed every step of the way and work to move things forward as efficiently as possible.

Will hiring a public adjuster affect my relationship with my insurance company?

No. You have the legal right to representation. Our job is to work within the process — reviewing your policy, documenting your loss, and negotiating on your behalf to make sure you receive a fair settlement.

What is the difference between a public adjuster and an insurance company adjuster?

The insurance company's adjuster works for the insurer. We work exclusively for you. Our goal is to maximize your settlement — not minimize the insurer's payout.

You've been through enough. Let us handle the rest.

Our licensed adjusters are available 24 hours a day, 7 days a week. There's no fee unless we win your claim.

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