First Response Public Adjusting – Chester, PA’s Trusted Public Adjuster

Experiencing property damage can turn your life upside down, but dealing with your insurance company doesn’t have to. First Response Public Adjusting proudly serves homeowners and business owners throughout Chester, Pennsylvania, offering expert representation during the insurance claims process. As a fully licensed and bonded public adjusting firm, we work for you—not the insurance company—to help you secure the settlement you truly deserve.

Our team specializes in handling new claims, denied claims, pending claims, and settled claims that may qualify for supplemental compensation. Whether your property has suffered damage from fire, smoke, water, wind, or theft, we are available 24/7 to help you navigate the complexities of filing and managing your claim.

Chester is a diverse and historic community in Delaware County, filled with residential neighborhoods, commercial buildings, and industrial properties that require detailed, tailored claim handling. Our experience across the county allows us to understand the unique construction styles, risks, and insurance challenges local property owners face.

Insurance companies employ their own adjusters to protect corporate interests. While these adjusters may appear helpful, their role is to minimize the amount the insurance company pays out. As your public adjuster, we represent your interests exclusively. We level the playing field and ensure you’re treated fairly.

Property damage is already stressful enough. Most policyholders are unfamiliar with interpreting coverage, exclusions, reporting requirements, and documentation standards. First Response Public Adjusting takes that burden off your shoulders by handling every step of the claim process with precision and care. Our mission is simple: to ensure you receive the maximum settlement available under your policy.

We offer complete support for claims at every stage. Whether your property damage just occurred or you’re struggling with a claim already in progress, we provide the expertise needed to move things forward.

New Claims

Starting a claim correctly is the foundation of a successful outcome. We handle the entire process from the beginning, including property inspections, documentation, policy review, and claim submission. We identify the full scope of damage—both visible and hidden—to ensure nothing is overlooked or undervalued by your insurer.

Denied Claims

Many Chester property owners contact us only after their claim has been denied. Insurance companies often deny claims due to alleged policy exclusions, insufficient documentation, or misinterpretations. We re-examine your property, gather supporting evidence, review your policy language, and challenge the denial. In many cases, denied claims can be overturned when handled by an expert.

Pending Claims

If your claim is stuck in the system with no clear answers, we step in to push it forward. Delayed claims create financial stress and can disrupt your ability to repair your home or business. We take over communication with your insurance company, address any outstanding issues, and expedite the process.

Settled Claims

Even if your claim was already settled, you may be entitled to more money. Many property owners accept initial settlements without realizing that important damages were missed or undervalued. We can review your settlement, reassess your losses, and file supplemental claims for additional compensation.

Fire Damage

Fires can be devastating, leaving behind structural loss, charred materials, and extensive secondary damage. Beyond the visible destruction, you may also be dealing with electrical problems, damaged roofing, water damage, and weakened foundations. We thoroughly inspect your property to uncover all fire-related damage and ensure your claim reflects the full scope of repair and restoration needs.

Smoke Damage

Smoke can invade every corner of your property, from HVAC systems to carpets and insulation. Even homes with minimal fire damage may require extensive smoke remediation. Insurance adjusters often underestimate the long-term effects of smoke exposure, including odor removal, deep cleaning, and air purification. We ensure these costs are accurately included in your claim.

Water Damage

Whether caused by a storm, burst pipe, appliance malfunction, or roof leak, water damage can rapidly escalate into mold growth and structural problems. We identify visible and hidden water damage using moisture detection tools and ensure your claim includes repair, extraction, drying, mold remediation, and structural restoration.

Wind Damage

High winds can produce costly damage throughout Chester, from ripped shingles and broken windows to damaged siding and downed trees. Many insurance companies undervalue wind-related damage or claim it is cosmetic. We thoroughly document all structural and surface-level impacts to ensure your settlement is complete.

Theft and Vandalism

Theft and vandalism can be emotionally and financially devastating. We help you compile an inventory of stolen or damaged items, prove forced entry, and ensure your insurer properly values your loss. We also include costs for repair, replacement, security improvements, and cleanup.

Our process is designed to give you clarity, confidence, and results.

Step 1: Free Consultation

We begin with a no-cost, no-obligation consultation where we evaluate your situation, review your policy, and answer your questions. We provide clear guidance on what to expect and explain how we can assist.

Step 2: Detailed Inspection of Damages

Our adjuster conducts a complete inspection of your property. We document the damage with high-quality photos, written reports, measurements, and industry-standard estimating tools. This ensures a strong foundation for your claim.

Step 3: Claim Preparation and Submission

We prepare your claim with the comprehensive documentation insurers require. We handle all forms, filings, and communications, using policy language strategically to support your claim.

Step 4: Negotiation with the Insurance Company

We negotiate directly with your insurance adjuster to secure a fair and full settlement. We push back against low offers, denials, undervaluations, and unreasonable delays. Our knowledge of Pennsylvania insurance laws and policies gives us an advantage in securing the best possible outcome.

Step 5: Settlement and Follow-Up Support

When your claim is successful, we ensure your settlement is delivered promptly and accurately. If additional damages are discovered later or if you need help filing supplemental claims, we remain available for continued support.

Chester is known for its rich history, diverse neighborhoods, and commercial districts undergoing revitalization. From rowhomes and single-family properties to small businesses and multi-unit buildings, the area’s architectural diversity requires a public adjuster familiar with local construction styles and building codes.

We serve the entire Chester region, including:

• Upland

• Eddystone

• Parkside

• Brookhaven

• Trainer

• Ridley Township

• Upper Chichester

• And all surrounding Delaware County communities

No matter the size or type of your property, we provide the same level of dedication and attention to detail.

• Fully licensed and bonded in Pennsylvania

• Over a decade of industry experience

• Local knowledge of Chester and Delaware County construction

• 24/7 emergency availability

• Free consultations and policy reviews

• No upfront costs—you only pay if we increase your settlement

• Transparent communication throughout your claim

• Proven track record of successful recoveries

We treat your home or business as if it were our own, fighting for every dollar your policy entitles you to.

“Our fire claim was severely undervalued. First Response Public Adjusting reviewed everything and got us more than double the original offer. We can’t thank them enough.”
— Denise M., Chester, PA

“Our water damage claim was pending for months. After FRPA took over, we received a fair settlement within two weeks. Amazing service.”
— Ron T., Upland, PA

“We had a break-in at our store, and the insurance company refused to pay for most of the losses. FRPA fought for us and got everything covered. Highly recommended.”
— Paul B., Brookhaven, PA

If your property in Chester has been damaged or you're struggling with the insurance claims process, First Response Public Adjusting is here to help. Our experts are standing by 24/7 to assist you.

First Response Public Adjusting – Protecting Chester Homeowners and Businesses with Expert Insurance Claim Support