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

When your home or business in Darby suffers property damage, dealing with the insurance company can feel overwhelming and frustrating. At First Response Public Adjusting, we exist to protect policyholders—not insurance companies—during one of the most stressful times they may ever face.

We are a fully licensed and bonded public adjusting firm serving Darby and the surrounding Delaware County communities. Our team specializes in helping homeowners, landlords, and business owners with new insurance claims, denied claims, pending claims, and previously settled claims that may still qualify for additional compensation. Whether your damage was caused by fire, smoke, water, wind, or theft, we are available 24/7 for emergency response and claim support.

Our role is simple but powerful: we document the full extent of your damage, interpret your insurance policy accurately, and negotiate directly with the insurance company to secure the fair settlement you are entitled to.

Insurance policies are complex legal documents filled with exclusions, conditions, and technical language. When a loss occurs, insurance companies assign their own adjusters to evaluate the damage. While these adjusters may appear helpful, their responsibility is to protect the insurer’s financial interests.

A public adjuster works for you.

As your public adjuster, we independently inspect your property, prepare detailed damage documentation, handle all communication with the insurance company, and aggressively negotiate on your behalf. Without professional representation, many policyholders unknowingly accept settlements that are far below the true cost of repairs.

In Darby—where many properties are older, multi-unit, or attached structures—hidden damage is common and often overlooked by insurance company adjusters. Our experience with local construction styles allows us to identify and document losses that insurers frequently miss.

We provide full-service public adjusting support for claims at every stage of the process.

New Claims

If your property has recently been damaged, involving a public adjuster early can significantly improve your outcome. We begin with a thorough inspection, identifying both visible and hidden damage. We then review your policy, prepare the claim documentation, and submit everything properly and promptly. This prevents common mistakes that lead to delays or underpayment.

Denied Claims

A claim denial does not always mean the end of the road. Insurance companies often deny claims due to alleged exclusions, insufficient documentation, or incorrect interpretations of coverage. We carefully review the denial letter, reassess the damage, and gather additional evidence to challenge the decision. Many denied claims can be successfully reopened with proper representation.

Pending Claims

If your claim has been sitting unresolved with little communication from the insurer, we step in to move things forward. Delays can prevent necessary repairs and cause ongoing financial strain. We take over all communication, identify what’s holding the claim up, and push toward resolution.

Settled Claims

Many property owners in Darby accept settlements without realizing that additional compensation may still be available. If your claim was settled but failed to cover the full cost of repairs, we can review the file to determine whether supplemental claims are warranted. Missed or undervalued damage is more common than most people realize.

Fire Damage

Fire damage is often extensive and complex. In addition to burned materials, fires frequently cause smoke contamination, water damage from firefighting efforts, electrical issues, and structural weakening. We perform a complete evaluation of your property to ensure all fire-related losses are properly included in your claim.

Smoke Damage

Smoke can travel far beyond the source of a fire, affecting walls, ceilings, HVAC systems, furniture, and personal belongings. Smoke residue can be hazardous and difficult to remove. Insurance companies often underestimate the cost of proper smoke remediation. We ensure your claim includes cleaning, deodorization, and replacement when necessary.

Water Damage

Water damage can result from burst pipes, roof leaks, sewer backups, appliance failures, or storm events. Left untreated, water damage can lead to mold growth and long-term structural issues. We inspect for both visible and hidden moisture and include drying, remediation, and repair costs in your claim.

Wind Damage

Strong winds can damage roofing, siding, windows, fences, and exterior structures. In some cases, wind damage may not be immediately visible but can lead to leaks and deterioration over time. We document all wind-related damage thoroughly to ensure your claim reflects the true scope of loss.

Theft and Vandalism

Theft and vandalism can cause significant financial and emotional stress. We assist with documenting stolen or damaged property, determining accurate replacement values, and ensuring your claim covers repairs, replacement, and cleanup costs.

Our Proven Claims Process

Our structured approach is designed to reduce stress while maximizing results.

Step 1: Free Consultation

We begin with a no-obligation consultation to review your situation and insurance policy. We explain your rights, outline next steps, and answer any questions you have.

Step 2: Detailed Property Inspection

Our adjusters conduct a thorough inspection, documenting all damage with photos, measurements, and written reports. We identify hidden issues that insurance company adjusters often overlook.

Step 3: Claim Preparation and Submission

We prepare a comprehensive claim package using proper policy language and industry-standard estimating. We submit the claim or take over management of an existing one.

Step 4: Negotiation with the Insurance Company

Insurance companies often attempt to minimize payouts. We negotiate directly with the insurer, using documentation and policy interpretation to support a fair settlement.

Step 5: Settlement and Ongoing Support

Once a settlement is reached, we review it with you and remain available to assist with supplemental claims if additional damage is discovered later.

Darby features a mix of single-family homes, rowhomes, duplexes, and rental properties—many of which are older and more susceptible to hidden damage. Our familiarity with local building practices and insurance carriers allows us to manage claims efficiently and accurately.

We serve Darby and surrounding communities, including:

• Collingdale

• Yeadon

• Lansdowne

• Clifton Heights

• Upper Darby

• Sharon Hill

• Folcroft

• And all of Delaware County

No matter the size or type of property, we provide the same level of attention and advocacy.

• Fully licensed and bonded in Pennsylvania

• Extensive experience with residential and commercial claims

• 24/7 emergency availability

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

• Transparent communication throughout the process

• Strong record of maximizing insurance payouts

• Dedicated representation for policyholders only

Our goal is to make sure you are treated fairly and that your claim reflects the true cost of your loss.

What Our Clients Say

“Our water damage claim was denied at first. First Response Public Adjusting reviewed everything, found additional damage, and got the claim approved. We couldn’t have done it without them.”
— Anthony M., Darby, PA

“After a small kitchen fire, the insurance company’s offer was nowhere near enough. First Response stepped in and negotiated a settlement that covered all repairs and cleanup.”
— Lisa R., Delaware County, PA

“Our rental property was vandalized, and the claim process was a nightmare. FRPA handled everything and made sure the repairs were fully covered.”
— Michael T., Lansdowne, PA

If your property in Darby has been damaged or you’re struggling with an insurance claim, don’t face the process alone. First Response Public Adjusting is here to help.