Public Adjusters in South Kingstown, RI

Help With Water Damage, Fire Claims, and Property Loss

If your home or business in South Kingstown has suffered damage, the most important step is making sure your insurance claim is handled correctly from the start. A public adjuster, sometimes called a private adjuster, works for you, not the insurance company.

At L & M Public Adjusters, we specialize in water damage and fire damage claims, which are the most common and often the most complex types of losses in South County.

What Does a Public Adjuster Do?

A public adjuster in South Kingstown represents you during the insurance claim process. Instead of relying on the insurance company’s adjuster, we:

•  Inspect and document all damage 
•  Identify hidden damage (especially water-related) 
•  Review your policy for full coverage 
•  Prepare a detailed claim 
•  Negotiate directly with the insurance company 

This ensures nothing is overlooked, especially in high-value claims like fire and water damage.

Water Damage Claims in South Kingstown

Water damage is the most common type of insurance claim we handle. Many homeowners underestimate how serious these losses can be.

We help with:

•  Frozen pipes and freeze-related damage 
•  Burst pipes inside walls or ceilings 
•  Slow leaks that cause long-term damage 
•  Roof leaks from storms or wear 
•  Appliance and plumbing failures 

Water damage often spreads behind walls and under flooring. Without proper documentation, insurance companies may undervalue the claim.

Fire Damage Claims and Large Losses

Fire damage claims are where expert representation becomes critical. These are often large losses with multiple layers of damage.

We assist with:

•  Kitchen fires and stove fires 
•  Electrical fires 
•  Smoke and soot damage throughout the property 
•  Structural damage 
•  Full and partial property losses 

Fire claims require detailed documentation, including damage you may not immediately see. We make sure your claim reflects the true scope of the loss.

Other Claims We Handle

In addition to fire and water damage, we also assist with:

•  Wind and storm damage 
•  Roof leaks and structural issues 
•  Mold-related claims 
•  Large loss of property damage 
•  Commercial property claims 

Why Property Owners in South Kingstown Choose Us

Clients choose L & M Public Adjusters because we focus on the types of claims that matter most:

•  Strong experience with water and fire damage claims 
•  Detailed inspections that uncover hidden damage 
•  Full claim management from start to finish 
•  Direct negotiation with the insurance company 
•  Clear communication throughout the process 

When Should You Call a Public Adjuster?

You should contact a public adjuster immediately if:

•  You have water damage from a pipe or leak 
•  You experienced a fire or smoke damage 
•  Your insurance offer seems too low 
•  Your claim is delayed or denied 
•  The damage is significant or complex 

The earlier you get expert help, the better your outcome.

Serving South Kingstown and South County

We work with property owners across:

•  South Kingstown 
•  Wakefield 
•  Narragansett 
•  Kingston 
•  Charlestown 
•  Westerly 

Get Help With Your Claim Today

If you’re dealing with water damage, fire damage, or a large property loss in South Kingstown, don’t go through the process alone. L & M Public Adjusters is here to help you every step of the way.