About L & M Public Adjusters
47+ Years
of experience in various claims
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.
Testimonials
What our clients are saying
Comprehensive Representation
Expert Insurance Claim Representation for Homeowners and Businesses
We work exclusively for homeowners and business owners, guiding them through every stage of the claims process with clarity and advocacy. Our mission is simple: protect your rights, document your loss properly, and fight for the full settlement you’re entitled to.
Having worked with both insurance companies and national disaster teams has given L & M Public Adjusters the unique advantage of understanding the difficult and often long-winded process of filing a claim from both the company’s and the client’s side. It’s an advantage that truly gives L & M Public Adjusters the edge over other firms, especially in the claims of natural disasters and catastrophic loss, when business and home owners can be easily slighted out of receiving fair compensation by big insurance companies.
L & M Public Adjusters was founded on the belief that policyholders deserve fair, well-documented, and professionally represented claims—not the rushed, undervalued settlements that insurance carriers often push forward.
Experience You Can Trust
Over 47 Years of Insurance Claim Expertise
With decades of hands-on experience in claims adjusting, our team brings industry knowledge, negotiation skill, and policy insight to every claims we manage. We work exclusively for policyholders—not insurance companies.
- 47+ years specializing in property damage claims
- Skilled in residential, commercial, and disaster loss claims
- Focused on securing fair, accurate settlements for clients
Full-Service Claim Representation
Comprehensive Support From Inspection to Settlement
We combine advanced tools, detailed documentation, and personal guidance to ensure every claim is properly evaluated and presented for maximum recovery.
- Technology-driven damage assessments and valuations
- Detailed appraisals and itemized personal property reports
- Support and representation from first inspection through final payout
Your Advocate for Fair Settlements
Why Hire L & M Public Adjusters?
The insurance company employs its own adjusters and they offer to pay a sum as they see fit; in other words, what is to their advantage.
On the other hand, as a Public Adjuster, we are the exclusive representative for the policy holder, that’s you, and we work diligently on your behalf toward a more favorable adjustment and final settlement.
How Will L & M Public Adjusters Assist You?
We will advise and assist you, the policy holder, in presenting your claim. Remember, in as much as the insurance policy puts the burden on you the insured to prove damages and to present a detailed account of your loss, having a licensed public insurance adjuster (or claims advocate) on your side, levels the playing field.
Contact & Location
We are here for you
401-486-9723
landmpublicadjusters@gmail.com
10 High Street, Suite H6, Wakefield, RI 02879<