Where we’re licensed
Three states. One playbook for policyholder representation.
LightHouse is licensed in New Jersey, Pennsylvania, and Colorado. The loss patterns recur — freeze bursts every winter, coastal wind every nor’easter, Front Range hail and wildfire through summer. Below is what we see in each state, and how we’ve recovered for policyholders there. Reach out the moment a loss hits; the earlier we’re on the file, the more coverage we can pull through.
Try one of our generated matrix landing pages below — e.g. Bucks County storm damage (PA), Bergen County water damage (NJ), or El Paso County hail damage (CO) — each one deep-links straight into the intake form with the loss category prefilled.
Loss patterns by region
What we see in each licensed state.
Per state, the two or three loss types we handle most often, plus a small set of anonymized regional claim examples showing how the recovery typically lines up. Examples identify county-level regions only — no policyholder names, addresses, or tracking tokens.
Coastal nor’easter wind and storm surge country, paired with inland burst-pipe and water-loss patterns.
Signature loss types
- Nor’easter windRoof decking, siding, and the under-the-roof water intrusion that surfaces weeks after the first inspection.
- Coastal storm surgeFlood-vs-water carrier disputes, submerged HVAC rebuild, and elevated-structure replacement-cost arguments.
- Burst pipe + interior waterWintertime interior losses across central and northern NJ — scoped per room, with ALE argued through rebuild.
Regional claim examples
- Shore regionNor’easter windFull roof + decking replacement funded at replacement cost.
- Middlesex CountyBurst pipeDwelling coverage funded with full ALE through rebuild.
- Cape MayCoastal storm surgeFlood + submerged HVAC rebuilt; elevated structure documented.
Mid-Atlantic freeze-burst, winter storm, and kitchen-fire territory — the Mid-Atlantic signature losses.
Signature loss types
- Freeze burst pipeThe Mid-Atlantic signature loss. We tie the failure to a documented meteorological cold snap and scope per-room replacement, not a blanket interior line.
- Winter storm + roof failureIce damming, snow-load collapse, and code-upgrade arguments the carrier tries to treat as cosmetic.
- Kitchen fireStructure, contents at replacement cost, ALE during rebuild, and lingering smoke/odor the first adjuster missed.
Regional claim examples
- Montgomery CountyBurst pipeFull interior rebuild + twelve months ALE recovered.
- Lehigh ValleyWinter storm roof failureCode-upgrade line funded separately from cosmetic repair.
- Bucks CountyKitchen fireContents and structure priced at current replacement cost, not ACV.
Front Range hail, wildfire, and high-plains winter storm territory — large-area catastrophe losses the carriers try to scale down.
Signature loss types
- Front Range hail stormRoof and siding impacts the carrier scopes as cosmetic — we pull weather reports, document strike density, and price full replacement over overlay.
- Wildfire lossTotal-loss and smoke-damage arguments, contents inventories at replacement cost, ALE through rebuild, and vegetation/landscaping lines carriers drop.
- Winter storm + freeze burstHigh-plains cold snaps drive burst pipes and ice-dam roof failures; we tie the loss to the meteorological event and scope per room, not a blanket interior line.
Regional claim examples
- El Paso CountyFront Range hailFull roof replacement funded at current cost, not carrier overlay.
- Boulder CountyWildfire smoke + structureStructure, contents, and ALE funded separately; landscaping line restored.
- Larimer CountyFreeze burst pipePer-room interior replacement with full ALE through rebuild.
Coast-to-coast capacity
If your loss sits outside one of these three states.
We hold licenses in NJ, PA, and CO, but we’ve taken on losses that cross regional lines for years. If your property sits elsewhere, send the description anyway — we partner with vetted, independently-licensed firms and stay your single point of contact. You never juggle two public adjusters.
Start your claim
Tell us what happened. We’ll come back within one business day.
The intake takes sixty seconds. A licensed public adjuster on our team replies from our inbox — never a call center — and tells you straight up whether representation will move the number.
Contingency-based · No recovery, no fee · Free claim review.