The guiding beacon for policyholders fighting for every dollar of their claim.
Twelve years representing homeowners and property owners — never the insurance carrier. We push for the fullest settlement your policy allows on fire, water, freeze, and storm losses across the Mid-Atlantic and beyond.
- Years representing policyholders
- 12+
- States where we're licensed
- NJ · PA · CO
- Fee model
- Contingency
The gap between what you’re owed and what you’re offered
Insurance carriers send an adjuster. You should, too.
When a loss hits your home, the insurance company assigns a desk adjuster to your file within days. That adjuster is paid to keep the payout reasonable — which for most policyholders means a settlement materially smaller than what the policy actually covers.
We see it constantly: burst pipes that totaled a primary residence written off as “interior water line,” deck fires capped at structural-only repair, full roof replacements denied as cosmetic. These aren’t edge cases. They’re the carrier’s default.
Hiring a public adjuster is how you put someone on your side of the table who reads coverage language and building-cost data all day.
Coverage analysis
Documentation
Negotiation
Continental reach
How an engagement unfolds
From your first call to a signed settlement.
Every loss is different, but the structure of a strong claim is the same. Here’s what working with LightHouse looks like, start to finish.
Free review
Send us your denial letter, current offer, or a description of the loss. Within one business day we'll tell you whether representation will move the number — and what it costs.
Coverage mapping
We read the policy end-to-end, pull every applicable endorsement, and build a category-by-category claim framework before a single photo is taken.
Documentation + estimate
On-site scope with a licensed contractor where needed. Contents inventory priced at current replacement cost. Code-upgrade, ALE, and debris-removal lines funded separately.
Negotiate + settle
Filed, negotiated, rebutted, and re-opened as many times as it takes. You review and approve the final number — we don't sign off until you do.
Loss categories we represent
The claims we see most often in the Mid-Atlantic and beyond.
Each loss type has its own common pitfalls — denied line items, misclassified damage, missed endorsements. Knowing them is half the recovery.
Fire & smoke
Structure, contents, code-upgrade, ALE, and lingering smoke/odor often treated as cosmetic.
Water & flood
Burst pipes, appliance failures, storm surge — categories the carrier tries to collapse.
Freeze burst
The Mid-Atlantic's signature loss. We document the meteorological event and per-room replacement scope.
Wind & storm
Roof, siding, and decking damage — including under-the-roof water intrusion the first inspection missed.
Common questions
The questions we hear every week.
If yours isn’t covered here, send it directly to lighthouse-public-adjusters@polsia.app and we’ll reply same business day.
Free claim review
Send us the loss. We’ll send you the number you should be paid.
Tell us what happened in sixty seconds. A licensed public adjuster on our team replies within one business day, with a plain-English read on whether — and by how much — we can improve your settlement.
- Triage within one business day. A licensed PA on our team replies from lighthouse-public-adjusters@polsia.app — never a call center.
- Honest read.If representation won’t move the number, we tell you that in the first message.
- Trackable. A unique link confirms we received your intake — even if the email is briefly delayed.
Free claim review
Send us the loss. We’ll send you the number you should be paid.
No upfront cost. No obligation. Within one business day of receiving your message we’ll come back with a plain-English read on whether — and by how much — we can improve your settlement.
Licensed public adjuster · Contingency-based · No recovery, no fee.