During the Blizzard of 1996, which dropped up to 36 inches of snow, a Doctor's 15,000 square foot house ends up with a total of almost five feet of snow on it's roof. Strong winds during the storm caused the large amount of snow to accumulate on the roof.  Metro is hired to handle the claim. The Independent Insurance Adjuster hired by the Insurance Company meets with Dan Young, the Metro Adjuster, to inspect the loss. Shortly there after, an estimate is received from the insurance company for $30,000. Once Dan was able to pick himself off the floor from laughing so much, he began the negotiation process.

A new adjuster was assigned to the claim by the Independent Insurance Adjuster Company. The insurance adjuster brought his contractor out to inspect the loss with our Adjuster. Shortly there after, an estimate is received from the insurance company in the amount of $60,000. Amazingly, the loss was worth 100% more than the first adjuster had determined. Once Dan was able to pick himself off the floor from laughing so much, the negotiation process continued. 

A third Adjuster was assigned to the claim by the Independent Insurance Adjuster Company. Within two weeks, the Independent Insurance Adjuster Company quits, refusing to handle the claim. The Insurance Company sends one of their in house adjusters to inspect the loss. After a few inspections with Metro's Structural and Architectural Engineers, as well as Metro's Adjuster, the insurance company adjuster is ready to make an offer. The settlement offer received by the insurance company was almost

$226,000.00

Once Dan stopped jumping up and down off the floor, the claim was settled. Just imagine how much the claim would have settled for if the Doctor had not hired Metro. By the way, during the policy review, it was noticed that the Doctor had a shore home also. After an inspection of the shore home, another claim was written. The total settlement for this property was just over $25,000.

"Our mission is to be the Public Adjusting firm that consistently exceeds the expectations of our clients and our people. Our competitive advantage lies in the quality of our people and the quality of the work we do for our clients."

Metro Public Adjustment was founded on December 20, 1993.  The company, was originally operated out of a bedroom in the house of Steven J. McCaffrey, President of Metro.  Due to Metro's rapid growth, Metro doubled its needed office space, thus using up two bedrooms.

Due to the enormous success of the Metro Business Plan, Metro outgrew its humble beginnings and moved its operation to the Greenwood Square office complex located on Street Road in Bensalem.  It was there that a visitor could stop by and find groups of people in the office, no matter what time of day.  All night long the phones would ring, as the pioneers at Metro worked on building their businesses.

While the Pennsylvania operation began to grow, Steven J. McCaffrey, along with Mike Woodford, an Adjuster with Metro began doing meetings in New Jersey once a week at Steve Martini's house.  It was in the now infamous Martini's kitchen that the Metro Business Plan would be shown to new recruits.  With pool side test training being conducted each week, the Martini house was destined to produce great results, thus requiring a big office.  Either that, or it was the fact that Steve Martini didn't like cleaning up after everyone left that made him push everyone to build the Metro business so much.  In either case, Metro soon outgrew this location, and opened up an office in the Central New Jersey area.

A short while later, Metro outgrew their office space, and moved the corporate headquarters to an even bigger location in the Greenwood Square office complex.  In an effort to track all of the activity of the Metro Representatives, Metro contracted with Z - Systems, Inc., to begin writing a custom computer program known as MetPay.  This program, which tracks everything from all of the submitted claims, the Metro Organization, and even the activity on every claim, was truly a monumental project.  MetPay is a sure sign of Metro's commitment to helping its Representatives to build their businesses.  Metro's philosophy of re-investing in the company has assisted Metro in achieving its high level of growth in the Public Adjusting Industry.  Metro is committed to providing an valuable service to its clients while providing an excellent opportunity to its people.  We wish you all much success with Metro and hope that you will prosper immensely.

People call me for every reason in the world.  "Can you give me the name of a great limo service?  Massage therapist? Great sushi restaurant in SOBE?  Someone that installs storm windows?  Locksmith? A medical practice my husband can join?  Where can I buy a mezuzah for my new home?" are just a tiny fraction of questions I get everyday.  Today agents have to be superheroes when it comes to helping our friends, clients, prospective clients, anybody that might one day list/buy/sell or refer us to someone that will down the line. 

When a homeowner has an insurance claim, they usually call their insurance company to file a claim.  The insurance company then sends out an adjuster, their employee, to assess damages and figure out monetary compensation.  The homeowner is paid and the claim is settled.  Usually.  Is this fair?  Usually not.

Let's change the scenario a little bit.  What if the second call the homeowner makes is to their own public adjuster, someone that works in their interest and not the insurance company's interest?  Now the playing field becomes more level and the homeowner has someone on their side to mitigate the claim from their point of view, assess damages, figure out monetary compensation.  The public adjuster represents the homeowner and will help them cut through the red tape and intricacies of filing with insurance companies at large.  The public adjuster charges a fee between 10-35% for their services.  I see this as money well spent.

Why must homeowners have a public adjuster in their corner?  Just like an intelligent person doesn't walk into a courtroom without being represented by competent counsel, neither should homeowners try to deal with an insurance company by themselves.  When there are large damages to your biggest asset that require compensation, it's best to have someone on your side that is knowledgeable and competent.

In many instances, insurance companies will try to settle claims with homeowners for much less than they are worth, sometimes offering only a small amount of money for repairs.  Unacceptable. The insurance company knows that they should replace someones roof and plywood decking underneath, but instead only offers a small settlement for 'repairs'.  What if the tiles on the roof are no longer manufactured and cannot be matched?  According to a professional that I know in the business, the insurance company needs to replace the whole roof.  Installing mismatching roof tiles will not only look horrendous, it will also reduce the value of the home and reduce curb appeal.  Can you imagine a prospective buyer's first impression driving up to a home for a showing and seeing ugly, mismatched tiles on the roof?  Not good.

Just like you have a great real estate attorney, title insurance company, painter, handyman, mortgage broker, home inspector, appraiser, mover, in your aresenal, make sure you also have a great public adjuster for your clients to use.  Today, more and more agents offer 'concierge service' to their past, present and future buyers and sellers.  This is a great added value contact to refer out to clients in need.  They will thank you many times over for saving them money!