We're Here to Protect More Than Your Insurance Claim.
After a major property loss, you're suddenly expected to navigate policies, inspections, estimates, contractors, and deadlines — all while trying to put your life back together. We handle all of it, so you don't have to.
What We Do for You
From the first phone call to the final settlement — here's every way we go to work on your behalf.
Claim Consultation
It all starts with a conversation. We take the time to understand what happened, answer your questions, and determine the best path forward — before any important decisions are made.
Comprehensive Property Inspections
Our licensed adjusters perform detailed inspections to identify the full extent of your damage. We look beyond what's immediately visible to uncover hidden issues that can significantly impact the scope and cost of repairs.
Insurance Policy Review
Insurance policies can be confusing. We carefully review your coverage and explain what your policy provides in plain language — so you understand your rights and what you're actually entitled to.
Complete Claim Documentation
A successful claim starts with proper documentation. We prepare detailed estimates, photographs, inventories, and all supporting reports needed to accurately present your loss to the insurance company.
Claim Management
We become your primary point of contact throughout the entire process. From scheduling inspections to handling all communication with your insurance company — we take it off your plate so you can focus on your family.
Settlement Negotiation
We work directly with your insurance company to make sure your claim reflects the full scope of covered damages. We advocate on your behalf until a fair resolution is reached — and we don't back down.
Reconstruction Coordination
The insurance claim is only part of the recovery. We help coordinate with qualified contractors, review repair scopes, and provide guidance throughout the rebuilding process to help ensure your home is restored the right way.
Supplemental Claims
Additional damage is often discovered once repairs begin. When that happens, we prepare and negotiate supplemental claims to make sure newly identified covered damages are properly addressed.
Appraisal Support
When there's a disagreement about the value of a covered loss, we provide professional representation throughout the appraisal process — protecting your interests every step of the way.
Types of Claims We Handle
No two losses are the same. Here's where we have the deepest experience.
Fire & Smoke Damage
From minor smoke damage to total losses, we document every aspect of your claim and fight for the resources needed to properly restore your property.
Water Damage
Burst pipes, appliance failures, and plumbing leaks often involve hidden damage. We make sure moisture-related issues are fully documented and nothing is left out.
Storm Damage
Wind, hail, lightning, and fallen trees can cause far more damage than what's visible. We evaluate the full extent of the loss and represent your interests throughout the claim.
Roof Damage
Roof claims involve more than damaged shingles. We assess the entire roofing system and any resulting interior damage to make sure repairs are properly evaluated.
Commercial Property Claims
Business losses require specialized attention. We represent commercial property owners through complex claims involving buildings, operations, and business interruption.
Why Capitol Adjustment?
There are a lot of public adjusters out there. Here's what makes us different.
Licensed in Multiple States
PA, NJ, DE, MD, and CT — we're licensed where you need us.
Construction Industry Expertise
Our team brings real hands-on construction knowledge to every claim evaluation.
Thousands of Claims Represented
We've been through this process more times than we can count — and we know how to win.
Millions in Losses Negotiated
Tens of millions in property losses recovered for homeowners and business owners.
We Work for You — Not the Insurer
We are never hired by insurance companies. Our only client is you.
Guidance Through Reconstruction
We stay involved through the rebuild — not just the claim.
Every homeowner deserves the right to a professional reconstruction after a covered loss.
Our responsibility is to protect that right — making sure your claim is properly documented, professionally represented, and supported from the day the loss occurs until the day your property is restored.