Monmouth County's Shore Properties and Inland Suburbs Have Different Risks. We Handle Both.

From Freehold to Red Bank, Asbury Park to Long Branch — when property damage strikes anywhere in Monmouth County, Capitol Adjustment fights to get you every dollar your claim is worth.

Available 24/7
Licensed PA · NJ · DE · MD · CT
Contingency only — $0 upfront
400 Mack Drive, Croydon PA — minutes away

Serving Monmouth County

Jersey Shore barrier beaches. Sandy's ground zero.

Monmouth County's barrier island communities — Asbury Park, Long Branch, Sea Bright, Belmar, Spring Lake, and the Manasquan Inlet towns — were among the hardest hit by Hurricane Sandy in 2012, and the coastal flood and wind risk that made Sandy so destructive hasn't gone anywhere. Shore properties face storm surge, wind-driven rain, and saltwater intrusion claims that require specialized documentation. Inland, the horse country estates of Colts Neck, Holmdel, and Marlboro carry very high replacement values, and the county's mix of seasonal and year-round shore properties creates claim complexity that standard adjusters routinely mishandle.

Capitol Adjustment has worked Monmouth County claims through multiple storm seasons, including Sandy recovery. We know how to document coastal flood losses, how to establish true replacement cost for shore properties with custom finishes, and how to fight back when an insurer tries to attribute storm damage to pre-existing wear. Monmouth County homeowners — shore and inland alike — deserve full settlements.

Storm damage claim in Monmouth County NJ

Local landmarks we serve

Asbury Park boardwalk corridor
Sea Bright barrier beach
Colts Neck horse country
Sandy Hook Gateway area
Long Branch oceanfront

Why Monmouth County Chooses Us

We work for you — not the insurance company

125+ Years Combined Experience

Our team has handled hundreds of property damage claims across Monmouth County, including coastal storm and flood damage.

No Upfront Cost

We work on contingency. You pay nothing until we recover your settlement.

Licensed in New Jersey

Fully licensed NJ public adjusters serving all of Monmouth County.

Available 24/7

Property damage doesn't wait for business hours. Neither do we. Call us any time at 267-343-7301.

What We Handle

Monmouth County property damage claims we manage

Fire Damage
Smoke Damage
Water Damage
Storm Damage
Coastal Wind Damage
Roof Damage
Hail Damage
Burst Pipes
Mold Damage
Flood Damage

Coverage Area

Serving all of Monmouth County

Freehold
Red Bank
Asbury Park
Long Branch
Tinton Falls
Middletown
Holmdel
Hazlet
Keansburg
Aberdeen
Matawan
Keyport
Manalapan
Marlboro
Howell
Wall Township
Spring Lake
Belmar
Manasquan
Point Pleasant Beach

Common Questions

Monmouth County public adjuster FAQs

What does a public adjuster do in Monmouth County?

A public adjuster represents you — the policyholder — during the insurance claims process. We document your damage, interpret your policy, and negotiate directly with your insurance company to maximize your settlement. We work exclusively for you, not the insurer.

How much does Capitol Adjustment charge in Monmouth County?

We work on a contingency fee basis, meaning we only get paid when you do. There are no upfront costs or hourly fees. Our fee is a percentage of the final settlement we recover for you.

My Monmouth County home had coastal storm damage — what should I do?

Document all damage with photos and video before any cleanup or temporary repairs. Coastal storm claims can be complex — wind vs. water coverage disputes are common. We'll handle the entire claims process and fight for every dollar you're owed.

Can I hire a public adjuster after my claim has already been filed?

Yes. You can bring us in at any stage — even if your claim has been denied or underpaid. We frequently re-open and supplement claims that were initially settled for far less than they were worth.

Is Capitol Adjustment licensed to work in Monmouth County, NJ?

Yes. Capitol Adjustment LLC is fully licensed as a public adjuster in New Jersey and serves all of Monmouth County.

Dealing with property damage in Monmouth County?

Call us now or request a free claim review. We'll tell you exactly what your claim is worth — no obligation.

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