Your claim. Our legacy.
Find out what your claim is worth. We document every detail so your property is restored fully, and you get every dollar your policy promises.
Call us 1st before you call your insurance, we handle it all.
Trusted by Pennsylvania homeowners
#726839
Licensed Public Adjuster
Member
Chester County Chamber of Commerce
15+ years
public adjusting experience
Who we serve
Maximizing insurance recoveries for policyholders, every time.
Legacy Public Adjusters proudly serves Chester County, Delaware County, Montgomery County, Berks County, Lancaster County, and Lehigh County, helping property owners recover the maximum value from their insurance claims. Our experienced public adjusters work exclusively for policyholders, not the insurance company, to ensure fair and accurate settlements for property damage caused by fire, water, storms, or other disasters.
Whether you’re a homeowner or business owner in the Greater Philadelphia area, Legacy Public Adjusters provides expert claim support, detailed inspections, and professional representation throughout the entire insurance claims process. Trust our team to protect your interests and secure the compensation you deserve.
Homeowners
Protecting families and personal property after fire, water, storm, or other residential damage.
Commercial clients
Helping business owners minimize downtime and recover full value on commercial property claims.
Your advocate, not theirs
Why call us 1st, before you call your insurance company.
Insurance companies are for-profit businesses. Their adjusters are trained to protect the carrier's bottom line, not your roof, your floors, or your family. A licensed public adjuster works only for the policyholder, documenting every detail and negotiating for the full amount your policy promises.
- We read your policy the way a court would, so nothing is left out
- We find hidden damage carriers often overlook or omit
- No upfront cost. You only pay if we get you more.
Who is on your side?
Insurance company adjuster
Goal: protect the carrier's bottom line
First offers often cover only the visible damage.
Your own public adjuster
Goal: get you every dollar you're owed
A fully documented claim closes the gap.
Legacy clients regularly recover 2–5× the carrier's first offer.
What we handle
Every kind of property loss, documented properly.
Fire damage claims
Including smoke, soot, and structural damage.
Water damage claims
From burst pipes, leaks, or flooding.
Storm and wind damage claims
Covering roof, siding, and property loss.
Hail damage claims
Affecting roofing, vehicles, and exterior structures.
Mold damage claims
Resulting from moisture or hidden water leaks.
Theft and vandalism claims
For stolen property or intentional damage.
How it works
Four steps from damage to settlement.
A clear roadmap from your first call to your final settlement, every step documented and fought for on your behalf.
Free claim review
Tell us what happened. We review your policy and damage at no cost.
Full documentation
Site inspection, photos, moisture readings and a line-item scope of loss.
Submit claim and negotiate
We file and submit your claim and handle everything with the carrier.
You get paid
Settlement issued on a fully documented claim. No recovery, no fee.
Why Legacy
Your policy is complicated. Your advocate shouldn't be.
Carrier adjusters are paid by the insurance company. We are licensed public adjusters paid only when you recover, which means our estimate, our documentation and our negotiation all point in one direction: yours.
- Line-item scopes built on the same estimating software carriers use
- Contents inventory and additional living expense claims included
- Direct handling of every carrier call, form and re-inspection
- Transparent contingency fee, nothing owed unless you're paid
“Our carrier offered $28,000 after a pipe burst through two floors. Legacy re-documented everything and we settled at $91,400.”
D. Marsh
Homeowner, water loss claim
Case study
$25,000 offer. $125,000 settlement.
S. Rodriguez
Homeowner, storm & water loss
After a severe summer storm, Ms. Rodriguez noticed water stains spreading across her ceiling and walls. The carrier's adjuster inspected the visible damage, wrote a quick estimate, and offered $25,000 to repair the roof and repaint the interior.
Final result
Carrier first offer
$25,000
Legacy settlement
$125,000
A fully documented scope of loss, including code upgrades, contents, and temporary relocation, closed the gap and put the settlement where it belonged.
“I almost accepted the $25,000 check. Legacy found damage the first adjuster never looked at, and the final number covered every repair plus our hotel stay.”
Client reviews
They called Legacy first. We handled the rest.
Need help understanding insurance claims?
Clear answers about public adjusters, the claims process, and how Legacy fights for policyholders across Southeastern Pennsylvania.
Still have questions? Contact us for a free claim review.
Call us before you call your insurance company.
What a public adjuster does for a Pennsylvania property owner
A public adjuster is a state licensed insurance professional who represents you, the policyholder, instead of the insurance company. The adjuster your carrier sends works for the carrier. They inspect the damage once, write a scope of loss in carrier pricing software, apply depreciation, and issue a number. Anything they miss, undervalue, or exclude comes out of your pocket. Our job is to inspect the property independently, document the loss in detail, read your policy line by line, and negotiate the settlement to what it actually costs to repair or rebuild in your county.
Legacy Public Adjusters is licensed in Pennsylvania under license #726839 and based in Chester Springs. We handle residential and commercial losses across Chester, Delaware, Montgomery, Berks, Lancaster, and Lehigh counties, including fire and smoke, water and pipe breaks, storm and wind, hail, mold, and theft or vandalism. We work on a contingency fee, so the claim review costs nothing and there is no fee unless we recover money for you.
Why the first offer is usually low
Underpayments are rarely dramatic. They come from small omissions that add up: missing code required upgrades, no allowance for matching undamaged materials, drywall and insulation replaced only where the moisture meter was pointed, contents valued at garage sale prices, debris removal left out, and loss of use or business interruption never opened. A documented, line item estimate is the only reliable way to show a carrier what was left out, and it is the difference between an offer and a settlement.
Call us before you call your insurance company
The first 48 hours shape the entire claim. Photograph everything, stop further damage, keep every receipt, and do not throw out damaged property until it has been documented. Recorded statements and casual descriptions of what happened can narrow coverage before you understand what the policy provides. If damage has already been reported, that is fine. Most claims can be supplemented or reopened, even after a check has been issued, so a low offer is not the end of the conversation.
Insurance companies
Carriers we negotiate with every week
We know how Pennsylvania's largest insurers write policies, estimate losses and make offers. Whoever your carrier is, we handle the claim from first call to final payment.
State Farm
Erie Insurance
Allstate
Liberty Mutual
Nationwide
Travelers
USAA
Chubb
Farmers Insurance
Donegal Insurance Group
Safeco
Progressive
AAA
Universal Property
New Jersey Manufacturers
Company names are listed for identification only. Legacy Public Adjusters is a licensed Pennsylvania public adjusting firm that represents policyholders, not insurance companies, and is not affiliated with or endorsed by any carrier listed. Do not see your insurer? Contact us and we will still review your claim.