Property Adjustment Corporation

Take the pain out of dealing with your insurance company.
By Kerri Penno

Promptness. Accessibility. Integrity. Professional. Satisfaction. Expertise. These are the cornerstones of service at Doylestown-based Property Adjustment Corporation (PAC), where an experienced staff represents policyholders in the event of a property damage loss, such as fire, windstorm, water damage, vandalism, vehicle damage, building collapse, flood or other event.

According to Kevin J. Kaufmann, SPPA, IICRC, the president, Property Adjustment Corp. doesn’t have “customers,” but services “clients, who put their trust in our abilities.” The nature of their business dictates that the majority of the PAC clients are residential homeowners, balanced with about 25 percent commercial property owners.

Every adjuster at PAC has more than 20 years of experience in the property claims industry. The present administrative staff has been with the company for more than 16 years. “You don’t have a history like that unless you know what you’re doing and get fantastic results for your clients,” Kaufmann said.

Kaufmann himself has more than 20 years of experience in the insurance industry, and is a Senior Professional Public Adjuster—the highest accreditation in the field, as well as an IICRC-Certified Fire Restoration Technician. He also serves as director of the Pennsylvania Association of Public Insurance Adjusters.

For the average person, insurance is an obtuse and begrudged necessity they hope they never have to use. Most policyholders either never read or don’t understand their insurance policies. The value PAC brings to the table is knowing and understanding the insurance business and contracts. “We are experts in estimating and inventorying property damage. We know how to present and negotiate a successful property claim,” Kaufmann noted.

PAC adjusters serve a the third party on your behalf, taking the aggravation out of dealing with your insurance company during an already stressful time, while obtaining the largest settlement possible under your insurance policy. If your home is destroyed, PAC will find you temporary housing, secure your home, document losses and inform your insurance company of the damages, request a cash advance for your immediate needs and negotiate the maximum settlement as quickly as possible.

Whereas an insurance company naturally works in its own best interests, hiring a disinterested third party on your behalf, especially one who is part of an organization that has helped thousands of home and business owners collect millions of dollars in property settlements over the past 20 years, will get you the best results, Kaufmann advised.

“Can you imagine your insurance company representative saying, ‘Sorry about your grease fire Mrs. Homeowner, as your stove was damaged, why don’t you stay in a hotel for a few days, dine out and we will have someone come in and clean up this smoke damage, dry-clean all your soft goods and pick up the extra expense of driving your children to school while your house is being fixed up?’” Kaufmann asked. “No way! But all those things are covered in the event of a loss,” he said.

While the average American wouldn’t consider facing an IRS audit without a CPA representative, or appearing in court in front of a judge and jury without counsel, many do not realize they should not tackle a multi-billion dollar insurance company without a public adjuster. “The insurance company has professionals to represent them,” Kaufmann stressed. “You should too.”

At PAC, the adjusters always approach every claim with their clients’ best interests in mind. “People who don’t know about us call their insurance company, cross their fingers and hope for the best, but not our clients,” Kaufmann said. “They realize they will be getting the best settlement possible for their loss.”

Many believe the greatest testament to a job well done is a referral. At PAC, more than half their business comes as a result of past clients referring their friends and family to the company or through repeat business.

PAC’s motto is “We make things right,” and its mission statement is “Develop enthusiastically satisfied clients while helping them in their time of need.” Kaufmann noted he gets tremendous satisfaction from helping a fire or flood victim in their hour of need—when their lives seem upside down and all appears lost. “When the dust settles after a catastrophic loss, our clients always remark that they had no idea how much work was involved and how glad they are that we were there to aid and assist them,” he reported.

At PAC, you will never pay a fee to discuss your personal circumstances or to have a staff member come check out your situation. Even if you engage the company, they are paid is on a contingency fee basis. If they don’t succeed in winning you a settlement, you don’t owe them a thing.

The PAC staff is licensed in Pennsylvania, New Jersey, New York, Delaware, Georgia and Florida. PAC is a member of the National Association of Public Insurance Adjusters.

Property Adjustment Corporation is located at 30 East Swamp Road in Doylestown. Call (215) 355-FIRE or visit www.propadj.com for more information.

Kerri Penno (kpenno@gmail.com) is a Conshohocken-based freelance writer.