Welcome!



NJ. Public Adjuster

Jeff Chandler

609-548-3108


 Serving the "Jersey Shore"

and Beyond

Licensed & Bonded in New Jersey

Call for Career Opportunities!

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What Do We Do?

Our Mission is to Educate & Protect the Property Owner


How Do We Do It ?

We Offer a Free Property Inspection & Policy Review to Educate the Property Owner
Why Use Our Service ?

We'll make the difference between the minimum amount your insurer is offering and the maximum you're entitled to receive

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Corporate Web Site
www.metropa.com

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Before You Call Your Insurer Ask Yourself These Questions:
Are you presenting your claim properly?
  • Do you fully understand the claim process?
  • Have you included the entire extent of the damage?
  • Are you limiting the full potential value of your claim?
  • What is really a fair settlement?

Why use Metro Public Adjustment, Inc.?

We are one the largest public adjustment firm in the US. We have the expertise to negotiate a fair and favorable settlement for the property owner. Most policy holders really don't understand the policy, its coverage and more important, how to negotiate a fair settlement. Public Adjusters can level the playing field and act with your best interest in mind. The insurance company adjuster works for the insurance company. Our experienced teams of professionals are working for you. Our services include the time consuming task of documenting and preparing a full and detailed estimate. The entire claim process is handled by Metro's team of professionals who are the best in this business. We can move your claim through the process quickly. We relieve you the property owner from the burdening task of regular follow-up and time sensitive actions required for a fair settlement.  As industry experts we can maximize your settlement, bringing your property back to pre-loss condition by avoiding a reduced or denied claim.

 Maximize Your Settlement

By using our professionals you will avoid the common pitfalls which often jeopardize a fair settlement.

Our relationships within the industry and knowledge of the insurance business allows us leverage successful claims in your behave.

By allowing Metro to represent you we will immediately contact your insurer and relieve you from the headaches associated with the entire process. When the insurance company offers you a quick settlement is it really a fair settlement? Would you or your spouse really know? As a Public Adjuster we have your best interest in mind.


Have You Been Asked to Get "Three Quotes"?

Did you know that by taking time off from work to meet contractors to get quotes, you may only be hurting yourself? The fact is that by participating in the "Three Quote" process you are unknowingly setting the upper limit of your settlement? You very well may be positioning yourself into accepting the middle or lowest written quote!
At the very least, wouldn't you rather have the highest bidder work on your home? Wouldn't you want the contractor who can offer you highest quality workmanship and best products to bring your home back to pre-loss condition? Do you think that putting a contractor into a position where he may be forced to cut corners on workmanship or service or substitute inferior materials to win the business makes sense? Would you want to be forced into that scenario and have to hire that contractor? By avoiding this process can set and negotiate a fair and acceptable settlement which allows your contractor the opportunity to bring your home back to its original high quality. 


Cracked Floor Tile- A cracked floor tile can become a costly repair and often means replacing the entire floor! Falling objects are often covered under some homeowners policies. Since it's nearly impossible to match color and pattern you are entitled to have your floor returned to pre-loss condition. This very often means replacing the entire floor! It becomes involved and costly which our adjusters understand the true cost of replacement.









 

Comcast Interview with Gene Veno President of AAPIA

Client Interview


What is a Public Adjuster?

Public Adjusters are consumer advocates who work in the interest of the property owner. PA's are licensed and bonded within the state of New Jersey. We provide professional assistance to the insured property owner either residential or commercial. Public Adjusters work on a contingency basis much like a lawyer does for a client. Public adjusters emerged as a result of the need for property owners to be represented by an unbiased representative rather than an adjuster which is paid by the insurance company.

Metro Public Adjustment,Inc. - HQ Bensalem, Pa.

New Legislation in New Jersey Protects

Homeowners from Insurance Companies.

Some people are hesitant to file a valid insurance claim. They fear retribution from their insurance company such as raised premiums, non-renewal or cancellation of the policy. Ever heard that you should never file a claim because it can come back
to bite you?

Well, this is a thing of the past. In 1999 an act was passed in New Jersey prohibiting any insurer to cancel or non-renew any insurance policy covering an owner occupied dwelling because of
claims due to weather related damage or third party criminal acts such as vandalism or theft. See NJSA 17:36-5.20(a).

This means that a homeowner can have total piece of mind filing a valid weather related claim such as rain damage, frozen pipes
causing water damage, damage due to weight of ice and snow, wind damage to roof and siding and mold damage caused by any of the above perils. Similarly, if a property was vandalized or robbed a homeowner need not be hesitant to file a claim, as it cannot be held against you!

But what about premium rate hikes? An email correspondence with the Office of the Insurance Ombudsman with the NJ Department of Banking and Insurance revealed the following. “As for premium ramifications, insurers cannot raise an individual's premium for losses unless they gain approval for a general rate increase, which would apply to all customers regardless of losses.” So that general fear was
totally unfounded even before this legislation! Apparently, this has been confused with the automobile insurance industry where premium rate hikes following a claim are the norm.

Hopefully, once homeowners are informed of this legislation, they will once again utilize their homeowners insurance to receive what they are truly entitled to and can finally feel secure knowing that when disaster strikes they will be taken care of.

 

 Below is a Classic Example of Smoke Damage Which Often Requires Extensive Cleaning

We Offer Business Policy Reviews
 

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