L & M Public Adjusters
Public Adjusters in RI & CT Helping You Get the Settlement You Deserve
Honesty, Integrity and Results
Residential Property Damage
We help homeowners recover fair settlements for water, fire, storm, and vandalism damage. Let our experts handle your claim from start to finish.
Commercial Insurance Claims
Protect your business investment. We negotiate business income claims to ensure your company receives the compensation it deserves.
Water & Storm Damage
From burst pipes to fire damage, we assess, document, and manage every detail of your claim to speed up recovery and repairs.
Underpaid Claims
Don’t accept less than you deserve. Our licensed public adjusters reopen low-paid claims and fight for a fair outcome.
Your Advocate for Fair Settlements
Why Hire L & M Public Adjusters in RI or CT?
At L & M Public Adjusters, we have a team of insurance consultants that are knowledgeable experts with years of experience in the claims settlement process, giving us the understanding of how the insurance world can work against you during claims processing.
Comprehensive support and representation from start to finish. At L & M Public Adjusters, we give you our very best from damage onset to claim settlement.
Access to the latest software and equipment in the industry. We use the latest technology at our disposal to assess all damages and evaluate all parts of the claim.
Accurate and expert property adjustments & appraisals that can ensure a much better outcome for your claim, whether on the adjustment level or an appraisal.
Licensed professionals and consultants ready to put their knowledge to work. We work diligently to help you level the playing field on your claims processing and ensure that you receive a fair and equitable result.
John Mullaney
President and Lead Public Adjuster
Licensed public adjuster with years of experience helping property owners secure fair insurance settlements.
Large and Complex Claims
Schedule an Inspection
Once we receive your request, our team contacts you to arrange a convenient time for the property inspection.
Property Visit
Once an inspection is conducted and if a contract is signed, we will then assess and document the loss.
Measure and Document
During the inspection, our adjusters take precise measurements of both the property and all damaged areas to ensure complete documentation.
Detailed Scope Notes
We record detailed notes for each room, evaluating the extent of damage and estimating repair or replacement needs.
Photographic Evidence
Our team captures photographs of the entire property, with specific attention to damaged areas for claim accuracy.
Xactimate Estimate Report
We compile findings into a comprehensive Xactimate estimate, providing a professional, transparent assessment of your loss from a public adjuster’s perspective.
Claims Made Simple, Settlements Made Fair
Get Better Results and Ease Your Stress
Oftentimes, after an accident or catastrophe, a victim will immediately seek financial help from their insurance company. At L & M Public Adjusters, we understand the urge to file a claim quickly, and though we’ll gladly re-evaluate an offered settlement, we urge you to seek our guidance before filing a claim. This simple decision could increase your settlement amount by thousands of dollars. Often, claims are filed incorrectly or are lacking the persuasive physical inventory to fully represent your claim. Our experienced experts will provide accurate appraisals of all damaged property and negotiate your awarded sum to the best possible outcome with your insurance company. By coming to L & M Public Adjusters first, you can rest assured that everything will be handled right the first time.
Fire & Smoke
Fire and smoke can cause severe damage to residential and commercial properties, often extending far beyond visible areas. Our adjusters thoroughly assess and document all fire-related losses to help your clients recover quickly and fairly.
Water Damage
From leaking appliances to burst pipes or A/C failures, water damage can happen unexpectedly and escalate fast. Our team reviews each policy and the cause of loss to prepare precise, data-backed estimates that strengthen your client’s claim.
Storm Damage
Severe weather events like tropical storms and hurricanes can lead to extensive property damage. We help your clients navigate these complex claims by documenting every detail and ensuring their policies are maximized for fair compensation.
Vandalism
When vandalism or intentional property damage occurs, it can cause both emotional and financial hardship. Our adjusters inspect, document, and compile a detailed estimate to support your client’s claim and ensure accurate, fair recovery.
Our Team
Meet our Team
Our team of consultants and licensed public adjusters bring years of hands-on experience helping homeowners and business owners recover fair settlements.
John Mullaney
President & Lead Public Adjuster
Founder of L & M Public Adjusters with over a decade of experience handling large and complex residential and commercial claims. John’s strategic approach has consistently increased client recoveries in Rhode Island and Connecticut. Since 2015, he has grown the firm while remaining committed to helping policyholders maximize their claims.
Ashley Humbyrd
Public Adjuster
Ashley joined L & M after a 13-year career in education, bringing strong communication and analytical skills. She advanced from Executive Assistant to public adjuster and has spent the past two years guiding clients through the claims process with care and precision. Her attention to detail and client-first approach make her a key member of the L & M team.
Harold Lightman
Cofounder & Accounting Consultant
Harold brings 40+ years of accounting experience and 30 years in public adjusting in Florida, specializing in business income and commercial policy claims. His financial and policy expertise strengthens L & M’s ability to recover losses for commercial clients facing major disruptions. His insight gives policyholders a powerful advantage in complex business interruption claims.