Public Adjuster | NJ, PA & MD
Need Help With a Winter Storm Insurance Claim in New Jersey, Pennsylvania, or Maryland?
Keystone Public Adjusting
Snow, ice, frozen pipes, and roof leaks can cause serious damage—and insurance companies often under-scope or delay winter storm claims. Keystone Adjusting represents policyholders, not insurers, and manages your claim from inspection through negotiation so you can pursue the full settlement your policy allows.
Free On‑Site Inspection & Policy Review • No Upfront Fees • We Only Get Paid If You Get Paid
No Recovery, No Fee.
(973) 319-8983
Claim Types
3 Simple Steps to a Stronger Winter Storm Claim
Our process is built to prevent missed damage, reduce delays, and push back on low estimates—especially on snow/ice and frozen pipe losses.
1
Free Winter Storm Damage Inspection & Policy Review
We inspect visible and hidden damage caused by snow load, ice dams, wind-driven moisture, and interior leaks—then review your policy and explain what to document next. Documentation, Estimates & Claim Submission Support
2
Documentation, Estimates & Claim Submission Support
We build a complete claim file: photos, measurements, moisture evidence, and repair estimates—so your claim reflects the true scope of winter storm damage, not just what’s obvious on day one.
3
Negotiation, Supplements & Settlement
We handle insurer communications and negotiation, respond to disputes, and pursue supplemental items when additional damage is discovered—so you’re not pressured into a fast, low settlement.
– Our Services
We Specialize in:
Storm & Winter Storm Damage Claims
Heavy snow, ice buildup, and storm-driven wind can damage roofs, gutters, siding, and interiors. We document the full scope—including water intrusion and structural issues—so your claim isn’t underpaid.
Frozen / Burst Pipe Damage Claims
Frozen pipes can burst without warning and flood walls, ceilings, floors, and contents. We document the full loss (including hidden moisture) and push back when insurers blame “maintenance” or undervalue the repairs.
Roof Leak Insurance Claims
Roof leaks often worsen in winter due to ice dams and melting snow. We prepare thorough documentation, estimates, and policy support to reduce the risk of delay, denial, or lowball settlement.
Water Damage Claims
From burst pipes to appliance leaks and storm intrusion, water damage spreads fast and can lead to mold risk. We make sure drying, demolition, rebuild, and affected materials are properly scoped in the claim.
Wind Damage Claims
Wind claims are frequently disputed as “pre-existing” or “wear and tear.” We identify roof blow-offs, debris impacts, broken openings, and resulting water infiltration—then negotiate for proper repair or replacement.
Hailstorm Damage Claims
Hail can compromise roofing systems, siding, windows, and building envelope integrity. We document hail impacts thoroughly and negotiate based on full restoration needs—not cosmetic shortcuts.
Flood Damage Claims
Flood losses can be complex and heavily scrutinized. We help you document damage and present a clear, supportable claim (including drying, remediation, and replacement scope) based on your coverage.
Fire & Smoke Damage Claims
Fire losses often include smoke/soot contamination and water damage from suppression efforts. We document structural, contents, and related damage so the claim reflects the true cost to restore.
Your Trusted Public Adjusters
From NJ to PA, our adjusters work directly with homeowners and businesses to document, negotiate, and recover the full compensation you deserve.
We Represent Policyholders — Not Insurance Companies
Insurance carriers have adjusters working for them. Keystone Adjusting works for you—documenting damage, preparing claim support, and negotiating directly with the insurer to pursue a fair, fully supported settlement.
Keystone Public Adjusting helped me with my claims when my insurance company denied me saying that my total work was less than my deductible. However, Keystone Public Adjusting made sure I received everything that I was due. I am 100% satisfied and strongly recommend them for any insurance claim. I had an amazing experience with this company overall.
John Joseph
Happy Customer – NJ
I highly recommend giving Keystone Public Adjusters a call if you’re going through a home insurance claim. I found Josh online and called when I had a major flood in my house and he was there with me every step of the way. He’s always very quick you respond to any questions or concerns. He really does care about you as his client and will do everything in his power to get you what you deserve.
Stuart Schnellenberger
Happy Customer – PA
Keystone public adjusting was a pleasure to work with. Josh answered the phone first time I called and sent someone out right away. My insurance company denied my claim and Keystone public adjusting managed to get my insurance company to pay me the real cost to repair my house. I have already sent them 5 of my friends that need help with there insurance claims. Highly recommend them as they generally care about helping people.
Rivky Berkowitz
Happy Customer – MD
Our Service Areas
Based in Cherry Hill, NJ, Keystone Adjusting serves policyholders across New Jersey, Pennsylvania, and Maryland.
Cherry Hill, NJ
(Camden County & South Jersey)
Newark, NJ
(Essex County & North Jersey)
Jersey City, NJ
(Hudson County & surrounding areas)
Ocean County, NJ
(Toms River, Lakewood & Shore towns)
Philadelphia, PA
(Philadelphia & surrounding suburbs)
Allentown, PA
(Lehigh Valley)
Pittsburgh, PA
(Western Pennsylvania)
Maryland
(Statewide claim help)
Don’t see your city listed? If you’re in NJ, PA, or Maryland, we can help.
Denied Claim?
If your claim was denied, that doesn’t always mean it’s over. We review the denial, gather additional documentation, and challenge missing or undervalued items—so you can pursue the outcome your policy supports.
How Keystone Adjusting Can Help You
Our public adjusters work for homeowners and business owners—never the insurance company. We handle the claim process from start to finish: inspection, documentation, estimates, and negotiation. There are no upfront fees—we only get paid if you get paid.
Underpaid Claim?
If the insurance estimate feels low—or important repairs were missed—we’ll review the scope, reassess the loss, and push for a fair, well-documented settlement so you’re compensated for covered repairs.
Serving homeowners and businesses across New Jersey, Pennsylvania & Maryland
FAQ
What does a public adjuster do, and why should I hire one?
A public adjuster is a licensed claims professional who represents the policyholder (you), not the insurance company. We document the loss, prepare claim support, and negotiate so your settlement reflects the true scope and cost of repairs—especially when winter storm damage is missed or minimized.
When should I contact a public adjuster after winter storm damage?
As soon as possible—especially for frozen pipes, roof leaks, or snow/ice damage that can worsen quickly. Early documentation helps protect your claim. If you already filed and received a low estimate (or delays), we can still step in.
How does Keystone Adjusting get paid? Is there any upfront cost?
There are no upfront fees. We are paid only if you recover—our fee is typically a percentage of the settlement, agreed upon in writing.
My claim was denied or underpaid. Can you still help?
Yes. Many claims are denied or underpaid because damage was missed, documentation was incomplete, or the insurer disputes cause of loss. We review what happened, strengthen the file, and pursue additional support where appropriate.
What types of property damage claims do you handle?
We handle residential and commercial property damage claims, including winter storm/snow and ice losses, frozen/burst pipes, roof leaks, water damage, wind, hail, fire/smoke, and flood-related claims (based on coverage).
We Serve New Jersey, Pennsylvania & Maryland
New Jersey: Cherry Hill, Newark, Jersey City, Paterson, Lakewood, New Brunswick, Ocean County & more
Pennsylvania: Philadelphia, Pittsburgh, Allentown, Reading, Erie & surrounding areas
Maryland: Statewide claim support
1820 Chapel Avenue W Suite 300 Cherry Hill, NJ 08002