PCAB Public Adjusters

What we handle

Every kind of property loss

Homes, rentals and commercial buildings. If insurance should cover it, we make sure it does.

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Water Damage

Burst pipes, leaks, sewer backup, hidden damage behind walls and under floors that insurers love to miss.

🔥

Fire Damage

Structure, contents, temporary housing — the full picture, not just what's easy to see.

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Smoke & Soot

Smoke travels through ductwork and into everything you own. We document all of it.

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Wind & Storm

Nor'easters, hurricanes, fallen trees, roof and siding damage across the Delaware Valley and the Shore.

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Commercial Claims

Business interruption and building losses — we keep you open while we fight the claim.

⚖️

Denied / Lowball

Already got a "no" or a number that makes no sense? That's where we do our best work.

Why it matters

Going alone vs. having us in your corner

Handling it yourself

The insurer's adjuster sets the number
You don't know what your policy really covers
Hidden damage gets missed
Endless calls, forms and waiting
You take the first offer because you need the money

With PCAB

We build the estimate, line by line
We read your policy and find every coverage
We document damage the insurer won't look for
We handle every call and every form
We negotiate until the number is right

See the difference

Is your offer too low?

Insurers count on people accepting the first number. Drag the slider to see what an underpaid claim can look like once every item is documented.

Illustrative example only — every claim is different. A free review tells you what yours is really worth.

Insurance company's offer$25,000

Potential fully-documented claim

$52,500

Their offer

With a public adjuster

Check my real number →

How it works

Four rounds. One winner.

Free inspection

We come out, walk the property and tell you honestly if you have a claim.

Full documentation

Photos, measurements, moisture readings, contents inventory — all of it.

We negotiate

We deal with the insurance company directly. You stop taking their calls.

You get paid

You only pay us when you get paid. No recovery, no fee.

Johnny "Cannoli" GarbarinoFounder · Undefeated BKFC · South Philly 🇮🇹🇺🇸

Who's in your corner

Undefeated in the ring.
Relentless at the table.

"The insurance company has a team working to pay you less. You deserve somebody fighting just as hard to get you what you're owed."

Born and raised in South Philly, Johnny "Cannoli" Garbarino brings the same discipline to every claim that made him an undefeated pro in BKFC. PCAB is a local, family-run team of licensed public adjusters serving Pennsylvania, New Jersey, Delaware and Maryland.

Damage just happened?

Your first 24 hours. Do this now.

What you do before the insurance adjuster shows up can be worth thousands. Save this list.

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1 · Film everything

Video every room before you touch anything. Open closets and cabinets. Zoom in on ceilings, floors and baseboards.

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2 · Stop the damage

Shut off water, tarp the roof, board windows. Keep every receipt — reasonable emergency repairs are usually covered.

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3 · Don't throw it out

Damaged items are evidence. Set them aside and photograph them before anything hits the curb.

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4 · Watch what you say

Stick to facts on the first insurance call. Don't guess at causes or dollar amounts — that can be used against you.

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5 · Track your costs

Hotel, meals, laundry, storage. If you can't live there, many policies pay your extra living expenses.

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6 · Call PCAB

Free review, 24/7. We'll tell you what your policy covers and take it from there. (856) 412-8180

FAQ

Straight answers

What is a public adjuster?

A licensed professional who represents you, the policyholder — not the insurance company. We prepare, file and negotiate your claim so you get the full amount your policy allows.

How much does it cost?

Nothing upfront. Our fee is a percentage of what we recover for you, and it's agreed in writing before we start. If you don't get paid, we don't get paid.

Should I call my insurance company first?

Call us first. What you say on that first call matters. We'll tell you exactly what to report and how — and we can open the claim for you.

My claim was already denied or underpaid. Is it too late?

Often not. Many claims can be reopened or supplemented. Get a free review and we'll tell you where you stand.

Do you work with contractors and restoration companies?

Yes — we coordinate with mitigation, restoration and pack-out crews so the work gets done and properly paid for.

Your insurance company has adjusters.
Now you have a fighter.

Free Claim Review

You're in the corner.

Every kind of property loss

Water Damage

Fire Damage

Smoke & Soot

Wind & Storm

Commercial Claims

Denied / Lowball

Going alone vs. having us in your corner

Handling it yourself

With PCAB

Is your offer too low?

Four rounds. One winner.

Free inspection

Full documentation

We negotiate

You get paid

Undefeated in the ring.
Relentless at the table.

Your first 24 hours. Do this now.

1 · Film everything

2 · Stop the damage

3 · Don't throw it out

4 · Watch what you say

5 · Track your costs

6 · Call PCAB

Licensed in four states

Straight answers

Don't fight the insurance company alone.

Every kind of property loss

Water Damage

Fire Damage

Smoke & Soot

Wind & Storm

Commercial Claims

Denied / Lowball

Going alone vs. having us in your corner

Handling it yourself

With PCAB

Is your offer too low?

Four rounds. One winner.

Free inspection

Full documentation

We negotiate

You get paid

Undefeated in the ring.Relentless at the table.

Your first 24 hours. Do this now.

1 · Film everything

2 · Stop the damage

3 · Don't throw it out

4 · Watch what you say

5 · Track your costs

6 · Call PCAB

Licensed in four states

Straight answers

Don't fight the insurance company alone.

Undefeated in the ring.
Relentless at the table.