Bucks County, PA
Kitchen fire
Structure + contents at replacement cost
Recovery band
$405K
Dwelling and contents priced at current replacement cost rather than the carrier’s depreciated ACV figure.
Founded for policyholders
Meet LightHouse. Your licensed public adjuster.
LightHouse Public Adjusters is an independent public adjuster firm — we represent policyholders, not insurance carriers. When a carrier sends its own adjuster to your loss, that adjuster works for the insurer. We work for you: documenting every line of damage, building the claim file, and negotiating until your settlement reflects what your policy actually covers. We are licensed to practice in Pennsylvania, New Jersey, and Colorado, and we work exclusively on a contingency basis — if we don’t recover, you don’t pay.
Credentials & Service Area
Licensed in three states.
Public adjusting is a licensed profession. Every matter we handle is managed by a licensed public adjuster in the state where the loss occurred — not a contractor, not a referral agent, not a call center.
Licensed public adjuster in Pennsylvania, New Jersey, and Colorado.
Pennsylvania
New Jersey
Colorado
- State-licensed representationWe hold active public adjuster licenses in PA, NJ, and CO — every engagement is covered under the appropriate state license.
- Policyholders onlyWe never represent carriers. Our duty runs entirely to you — the insured.
- No upfront costContingency-based fee, shown in writing before you sign. No recovery means no fee.
Recent recovery bands
A sample of what we’ve recovered.
Anonymized to county-level only — no names, addresses, or claim numbers. Each card shows the loss type, region, and recovery band.
Shore region, NJ
Nor’easter wind
Full roof + decking at current cost
Recovery band
$570K
Coastal nor’easter damage to roof and decking funded at replacement cost, with underlayment code-upgrade included.
Cape May, NJ
Coastal storm surge
Submerged HVAC + elevated structure
Recovery band
$980K
Storm-surge submerged HVAC fully rebuilt, with elevated structure replacement-cost arguments carried through settlement.
El Paso County, CO
Front Range hail
Full roof replacement at current cost
Recovery band
$215K
Hail-strike density documented against weather reports; roof and siding funded at current replacement cost rather than the carrier’s cosmetic overlay.
Middlesex County, NJ
Burst pipe
Dwelling coverage + full ALE through rebuild
Recovery band
$310K
Wintertime interior loss scoped per room, with additional living expense carried through the entire rebuild.
Start your claim
Tell us what happened. We’ll come back within one business day.
The intake takes sixty seconds and is non-binding. A licensed public adjuster on our team replies personally — never a call center.
Contingency-based · No recovery, no fee · Free claim review.