FIRE. SMOKE. WATER. WIND. STORM.
New Jersey Office
5215 Wellington Avenue #400 Ventnor City, NJ, 08406
South Carolina Office
1297 Professional Drive. Suite 201E Myrtle Beach SC 29577
Matthew Lacovara wins
Best Public Adjuster
by the Press of Atlantic City
At Lacovara Public Adjusters, we’ve been advocating for New Jersey homeowners since 1991 — that’s over 30 years of experience guiding families through some of their most difficult times. When disaster strikes, navigating an insurance claim can be overwhelming. That’s where we come in. Our mission is to lift that burden off your shoulders and fight to ensure you receive the maximum settlement you’re entitled to.
We’re not just adjusters — we’re your trusted advocates. Our team brings deep knowledge of insurance policies, building damage, and claim negotiations to the table. We work directly with your insurance company so you don’t have to, making sure every detail is properly documented, every dollar is accounted for, and your claim is handled with urgency and care.
What sets us apart is our personal approach. To us, you’re not just a claim number. You’re a homeowner with real concerns and real needs. That’s why we treat every claim as if it were our own home at stake — with dedication, transparency, and consistent communication from start to finish.
Whether your property was damaged by fire loss, water damage, or another disaster, we’ll be by your side every step of the way. At Lacovara Public Adjusters, your peace of mind and your financial recovery are our top priorities.
Let our decades of experience work for you — because you deserve someone in your corner.
The period immediately following a loss is a difficult and stressful time for individuals and businesses requiring many decisions. Most policyholders are unaware that the burden of proof is on them to prepare and present their claim. Lacovara Public Adjusters will take those major headaches away and let you get back to "life as normal" or "business as usual."
A typical insurance policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. We know the insurance business and are familiar with all procedures so Lacovara Public Adjusters can work quickly to expedite payments.
Click below to see our process.
World Renowned, Hidden Creek Golf Club Egg Harbor Twp, NJ
We knew we were in good hands with Bill representing our interests to the insurance carrier, and we could tell immediately that they respected his experience, judgement, and authority in the claim process. We were very pleased with the end result of our claim and with Bill’s help, we were able to reopen the club in a very quick timeframe to the delight of our membership. I highly recommend Bill to any other business or individual who may experience a similar loss as we did to fire, flood or other disaster and need professional help to process a claim. With Bill, you will be in good hands.
-David M. Goddard, President/CEO Ole Hansen & Sons Inc.
A public adjuster is a professional insurance adjuster hired by the policyholder who has suffered property damage that is covered by insurance. Public Adjusters do not represent the insurance company, rather advocates for the insured. They are involved in: Reviewing, Preparing, Negotiating, and Settling the Claim. A public adjuster will get their clients the best possible settlements from the insurance company as quickly as possible.
Public adjusters work on a contingency basis, meaning we only get paid if you get paid. Our fee is a small percentage of the final insurance settlement — with no upfront costs or hidden fees. In nearly every case, the settlement we help secure far exceeds what homeowners typically receive when handling a claim on their own, making our services a valuable investment.
YES! You should call us immediately when a loss occurs . But, in the event you don’t, we can certainly review your file, mitigation docs, insurance reports, and work backwards.
Yes, we are licensed and bonded public adjusters located in New Jersey and South Carolina.
Technically, yes — but it’s rarely in your best interest. Insurance companies have professionals protecting their side; you should too. Without a public adjuster, you risk missing out on significant portions of your settlement due to overlooked damage, undervalued repairs, or improperly documented losses. Public adjusters know how to navigate complex policy language, accurately assess damages, and negotiate aggressively on your behalf. The difference in your settlement can be substantial — and going without representation often means leaving money on the table.
Absolutely Not! The insurance company actually prefers to work with a public adjuster on complicated losses in order to settle the claim. A public adjuster provides all of the necessary paperwork to the insurance company, for their review, and will expedite a fair claim settlement.
Call us! We offer a free claim evaluation and policy review. No need to have any paperwork in your hand, simply pick up the phone and call now and speak to the premier insurance claims adjuster - Lacovara Public Adjusters
A public adjuster works for you, the policyholder — not the insurance company. Our job is to advocate for your best interests and ensure you receive the maximum settlement you’re entitled to. In contrast, an insurance adjuster is employed by the insurance company to protect their bottom line. While they may seem helpful, their goal is often to minimize the payout. Hiring a public adjuster levels the playing field and ensures your claim is handled fairly and thoroughly.
Call us at 609.487.1717 or fill out the form and we will get back to you!
