L & M Public Adjusters
Our Services
Expert Claim Support for Homeowners and Businesses
L & M Public Adjusters provides comprehensive claim assistance for property owners who need accurate documentation, experienced negotiation, and professional representation throughout the insurance claim process. From storm damage to complex property losses, our licensed public adjusters manage every step so you do not have to deal with the insurance company alone.
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.
Expert Support for Property Claim Disputes
Comprehensive Public Adjuster Services
At L & M Public Adjusters, we handle a wide range of residential and commercial property damage claims. Our services are designed to support policyholders at every stage of the claim, whether the loss is newly filed, delayed, denied, or underpaid.
We assist with claims involving:
Water damage and plumbing-related losses
Roof leaks and storm-related damage
Hurricane and severe weather claims
Fire and smoke damage
Mold and moisture-related issues
Structural and property damage of all types
Our role is to ensure every covered loss is properly identified, documented, and valued under the terms of your insurance policy.
Detailed Inspections and Accurate Documentation
Every claim begins with a thorough property inspection. Our team measures affected areas, documents damage using high-resolution photography, and prepares detailed estimates using Xactimate, the industry-standard estimating software used by insurance carriers.
This level of documentation helps ensure your claim is supported with clear, accurate, and professional evidence from the start.
Claim Management and Insurance Negotiation
Insurance claims involve strict deadlines, technical language, and ongoing communication with the carrier. We manage all claim-related correspondence, submissions, and negotiations on your behalf.
By handling the administrative and negotiation process, we help reduce delays, minimize stress, and protect your interests throughout the life of the claim.
Support for Complex and Disputed Claims
In addition to standard claims, we also assist property owners with more complex situations, including disputed losses, scope disagreements, and claims that require additional documentation or expert support.
Our experience allows us to address challenges efficiently while keeping the claim moving toward resolution.
Get Professional Help With Your Insurance Claim
If you are dealing with property damage and need experienced representation, our team is here to help. We serve homeowners and businesses throughout Rhode Island and Connecticut with professional, transparent, and timely public adjuster services.