Work with an experienced public adjuster to get insurance claims approved fast.

A public adjuster represents the homeowner, not the insurance company. That’s the key difference. The insurance company wants to keep pay-outs as low as possible, and public adjusters are critical in securing compensation for damages guaranteed under your policy. We inspect the damage, handle the claim paperwork, communicate with the insurer, and help push the claim toward a fair repair or replacement payment.

Absolutely. Ocean State Adjustments reviews the damage, organizes the facts, and responds with evidence when the carrier estimate comes back lower than expected or unreasonable.

Bottom line: When every covered repair cost is identified and explained, homeowners are less likely to be stuck with surprise bills, partial repairs, or a payout that does not match the damage.

Ocean State Adjustments handles roof and wind claims, commercial claims, fire damage, water mitigation claims, and winter storm damage.

For homeowners, that can include high-wind roof damage, storm damage, fire and smoke damage, plumbing leaks, rain-related water damage, snow buildup, ice dams, and other covered property damage.

We also work with commercial property owners and handle all standard commercial claims.

After high winds or storm damage, homeowners often need more than a quick look at the roof. They need someone who can inspect the damage and present clear evidence to the carrier that the damage they missed is covered under these kinds of policies and requires additional funds to repair or replace.

First things first: If you’re confused and don’t have paperwork, call us. Otherwise, it is helpful to have the property address, the date the damage was discovered, the likely cause of damage, or the conditions in which the damage occurred, and a short description of what happened, as well as your insurance declaration pages if available.

You can use our OSA intake form if you have your documents in order. Need help? Contact us, and we’ll take the ball.

A public adjuster is paid from the insurance claim recovery, not with a large upfront bill. So, to answer the second question, homeowners do not pay anything up front to get the claim started. The fee is typically a percentage of the claim payment, and we’ll make sure you understand exactly how the process works before you sign anything.

A contractor can inspect the roof, explain what needs to be repaired, and give you a repair or replacement estimate. But a contractor should not be the person negotiating your insurance claim unless they are also properly licensed to act as a public adjuster.

In Rhode Island, a public adjuster is licensed to advocate for the policyholder in appraising and negotiating a first-party property insurance claim. The state mandates that a public adjuster’s role is to assist the homeowner or the policyholder.

That difference matters. Your contractor’s job is to fix the damage. Ocean State Adjustments’ job is to establish the facts of the claim, handle the forms and paperwork, communicate with the carrier, and push back when the estimate does not reflect the damage.

It depends on the cause of the water damage and the policy you have, and we can tell you within just a few minutes of seeing your documentation exactly what’s covered.

For context, the NOAA defines “storm surge” as an abnormal rise in seawater during a storm, above the normal tide level. Standard homeowners insurance usually does not cover flood damage; flood coverage is typically purchased separately through the National Flood Insurance Program (NFIP) or a private flood insurer.

Wind-driven rain may be treated differently. If wind damages the home first—for example, by damaging the roof, siding, or windows—and rain enters through that opening, the claim may fall under the wind or storm provisions of the homeowners’ policy. The exact answer depends on the policy language, the damage, exclusions, deductibles, and the facts of the loss.

Rhode Island rules also require insurers to provide clear notice of hurricane deductibles, which can affect storm-related claims. So, there are some variables in both cases, and it really is best to get in contact with us to get clear answers quickly.