OUR SERVICES

🔹 Core Public Adjuster Services 

• Policy Review & Compliance Verification
  
• Analyze insurance policies for coverage, conditions, and exclusions
• Identify compliance requirements, deadlines, and documentation standards
• Ensure claim strategy aligns with policy language and jurisdictional statutes

• Claim Evaluation & Documentation
  
• Assess property damage (fire, water, mold, storm, etc.)
• Compile detailed loss reports and photographic evidence
• Review insurance policy coverage and exclusions

• Estimate Preparation
  
• Create accurate repair/replacement estimates using Xactimate, Core Logic/Symbility, Marshall & Swift/Boeckh, Docusketch & Turboclaim
• Include code upgrades, ICC, law & ordinance, debris removal depreciation, valuations and scope of work analysis

• Business/Personal Property Loss Valuations
  
• Inventory and appraise physical contents, equipment, and furnishings
• Evaluate off-site assets, leased items, and mobile property exposures
• Support valuation of specialty items, electronics, and high-performance tools

• Inland Marine Identification & Coverage Support
  
• Identify mobile, transit-based, or off-premises property exposures
• Review inland marine schedules and endorsements for coverage gaps
• Assist in valuation and recovery of tools, equipment, and specialty assets

• Technical Collaboration for Cost Validation
  
• Work with engineers, architects, and building departments to validate scope and pricing
• Facilitate code compliance, and structural evaluations
• Ensure alignment between field conditions and regulatory standards

• Business Income Loss & Extra Expense Support
  
• Analyze financial records to quantify lost income, extra expense and operational disruption valuations
• Prepare time element claims and support continuity planning
• Coordinate with CPAs and legal teams for defensible documentation

• Negotiation & Advocacy
  
• Communicate directly with insurance carriers
• Challenge underpaid or denied claims
• Represent policyholders in reinspection and mediation

• Expert Witness & Litigation Support
  
• Provide sworn statements, depositions, and courtroom testimony
• Draft expert reports and rebuttals for legal proceedings

• Bad Faith Expert Support
  
• Identify patterns of unreasonable claim handling or carrier misconduct
• Provide expert analysis for bad faith litigation and regulatory review
• Draft formal rebuttals and affidavits to support policyholder rights

• Claim Reopening & Supplemental Filing
  
• Reopen closed claims with new evidence or overlooked damages
• File supplemental claims for hidden or progressive losses

• Disaster Response & Emergency Services Coordination
  
• Coordinate with restoration vendors and forensic experts
• Support temporary housing, board-up, and mitigation logistics 

• Policyholder Education & Risk Management
  
• Clarify policyholder rights and obligations
• Advise on proactive documentation and claim preparedness 

• Appraisal Services
  
• Serve as appraiser in disputed property & business income loss claims
• Prepare impartial damage assessments and valuation reports
• Facilitate resolution through formal appraisal process under policy terms

Many property insurance policies contain an Appraisal provision, allowing either the insurer or the insured to formally resolve disputes over the value of a loss. This process offers a faster, more cost-effective alternative to litigation—designed to reach fair settlements without the delays and expenses of court.

• Arbitration & Mediation Services

At KAT Adjusters LLC, we specialize in professional arbitration and mediation services tailored for public adjusters and their clients. Our team brings decades of experience in complex claims resolution, ensuring disputes are handled with precision, integrity, and efficiency.

Whether you're navigating a contested valuation, preparing for appraisal, or seeking neutral mediation, our experts are committed to:

• Facilitating timely and equitable settlements
• Reducing operational disruption for policyholders
• Supporting adjusters with defensible documentation and expert insight

With over 100 years of combined experience, KAT Adjusters LLC stands as a trusted partner in the insurance claims industry—delivering expert insight, trusted advocacy, and results that matter. Thousands of claims resolved have shaped our unwavering standard: integrity. Whether guiding policyholders through complex losses or supporting legal teams with expert resolution, we bring clarity, precision, and relentless support to every case—doing it ethically, because recovery isn’t just about compensation, it’s about restoring confidence. 

"Your Loss is always our priority" A Fragiadakis