How It Works

We Handle Everything. You Focus on Recovery.

From your first call to your final settlement, Lounsbury Public Adjusters LLC manages every step of the claims process — so you never have to face the insurance company alone.

Most policyholders don't realize how complex the insurance claims process really is — or how much money they leave on the table by going it alone. Here's exactly what happens when you work with us.

Call Us — Any Time

The moment you experience a loss, call Lounsbury Public Adjusters LLC. We're available 24 hours a day, 7 days a week. There's no wrong time to reach out — the sooner we're involved, the better we can protect your claim. Your first consultation is completely free.

Available 24/7 — (203) 560-9786

Immediate Damage Assessment

We come to your property and conduct a thorough, professional inspection of all damage. We document everything — including damage that's easy to miss or that the insurance company's adjuster might overlook. Photographs, measurements, expert notes — we build a complete record from day one.

Thorough documentation from the start

Policy Review & Strategy

We review your insurance policy in detail — every provision, endorsement, and exclusion. We identify all applicable coverages and develop a strategy to maximize your claim. Many policyholders don't know what they're entitled to. We do.

We know your policy inside and out

Claim Preparation & Filing

We prepare a comprehensive, professionally documented claim on your behalf. This includes detailed damage estimates, supporting documentation, and a clear presentation of your entitlements under the policy. A well-prepared claim is the foundation of a strong settlement.

Professional preparation makes the difference

Negotiation With Your Insurer

This is where we earn our fee. We negotiate directly with the insurance company's adjuster on your behalf — pushing back on lowball offers, disputing denials, and advocating aggressively for the full value of your claim. You don't have to deal with the insurance company at all.

We do all the negotiating

Maximum Settlement

We don't stop until you receive a fair and full settlement. Once an agreement is reached, we review the settlement documents with you and make sure you understand exactly what you're receiving. Our fee is a percentage of the settlement — so the more we recover for you, the better for everyone.

No recovery, no fee

Common Questions

Frequently Asked Questions

We work on a contingency basis — our fee is a percentage of the settlement we recover for you. There's no upfront cost and no fee if we don't recover anything. Your initial consultation is always free.

Absolutely. It's never too late to bring us in. Whether your claim was just filed, is in negotiation, or has already been settled for less than you deserve, we can review your situation and help.

No — in most cases, having a professional advocate actually speeds up the process. We know how to navigate the system efficiently and keep things moving.

The insurance company's adjuster works for the insurance company. A public adjuster works exclusively for you. We have no incentive to minimize your claim — quite the opposite.

Yes. We handle all types of property insurance claims — residential homes, condos, rental properties, commercial buildings, retail, restaurants, and more.

Get Started

Public Adjuster Representation Agreement

Complete and sign your representation agreement below. A copy will be emailed to you and the Lounsbury Public Adjusters LLC team immediately upon submission.

Lounsbury Public Adjusters LLC

State of Connecticut Insurance Department License Number 3004475967

Read Entirety of Contract Before Signing

Public Adjuster Employment Contract

lounsburypublicadjusters.com · [email protected] · (203) 560-9786

To the Interested Insurance Companies and others Whom it May Concern: I/we retain LOUNSBURY PUBLIC ADJUSTERS, to act as my/our public adjuster(s) and to advise and assist in the adjustment and settlement of my/our insurance loss.

In consideration for these services, I/we hereby assign out of the monies due or to become due from said Insurance Companies on account of the said loss a sum equivalent to 10% of the amount of the loss when adjusted with the Insurance Companies or otherwise recovered.

Information About Your

Public Adjuster Employment Contract

Lounsbury Public Adjusters LLC — State of Connecticut Insurance Department License Number 3004475967

YOUR LEGAL RIGHTS:

CANCELLATION: You may cancel this contract by notifying us at the address shown on the other side of this page, in writing, by certified mail, return receipt, postmarked not later than midnight four (4) days following the day this contract is signed. If the contract is signed on a Friday, Saturday or Sunday, you will have until midnight on the following Thursday to mail the notice of cancellation to us as described above.

SETTLEMENT OFFER: We shall forward to you any written settlement offer from the insurance company.

FEE: Our services are available for a fee to be paid by you. We cannot charge you a fee greater than ten percent (10%) of the actual or final settlement of the loss covered by this contract nor can we rebate any part of the fee specified in this Employment contract.

COPY OF THE CONTRACT: We must give you a true copy of this Employment Contract at the time you sign it.

LIMITATIONS OF PUBLIC ADJUSTERS:

We are not allowed:

to solicit your employment between 8:00 pm and 8:00 am
to solicit your employment if you have already hired or contracted with another public adjuster.
to have any interest whatsoever in any construction, salvage, or appraisal business.
to represent both an insurer and an insured at the same time.
to pay anything of value to any person as an inducement to refer business to us.
to share our fee, except with another licensed Public Adjuster.
to advise you on any question of law.
to advance any monies to you before settlement of the loss, where such amount would be included in the final settlement.
to make false statements about an insurance company or its representatives.

We must:

sign this contract.
inform you that we do not represent any insurance company or any insurance company adjusting firm.

This form is in compliance with Section 38A-788-6 of the Regulations of the Connecticut Insurance Department. This form must be signed by the licensed Public Adjuster and by Insured. Lounsbury Public Adjusters LLC — Connecticut License No. 3004475967.

Client Information

Full Name *

Email Address *

Phone Number *

Mailing Address *

Property & Claim Details

Property Address *

Date of Loss *

Type of Claim *

Insurance Company

Policy Number

Signatures

By signing below, you confirm that you have read the entirety of this Public Adjuster Employment Contract and agree to its terms. This constitutes a legally binding signature in compliance with Section 38A-788-6 of the Regulations of the Connecticut Insurance Department.

Insured — Signature 1

Signature *

Sign here with your finger or stylus

Date

Agreed to: Lounsbury Public Adjusters LLC

Signature *

Sign here with your finger or stylus

(Signature of Public Adjuster)

lounsburypublicadjusters.com · [email protected] · (203) 560-9786

Date

I have read the entirety of this Public Adjuster Employment Contract and agree to its terms. I understand this is a legally binding contract in compliance with Section 38A-788-6 of the Regulations of the Connecticut Insurance Department.

* Required fields that must be filled out before submitting.

Ready to Get Started?

Call us now for a free consultation. We're available 24/7 and ready to help.

Call (203) 560-9786 Send a Message