Professional Representation for Your Property Damage Claim
Helping You Recover Faster, Smarter, and Fairer.
About Us
Lacovara Public Adjusters has been in business since 1990!
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Testimonials
Matthew Lacovara wins Best Public Adjuster by the Press of Atlantic City
Why hire Lacovara Public Adjusters?
At Lacovara Public Adjusters, we’ve been advocating for New Jersey homeowners since 1990 — that’s over 35 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.
Our Specialization
Water Damage
Water damage presents unique challenges and must be addressed immediately. Time is critical as demolition, mitigation, and restoration efforts often begin before full claim approval is secured — a process that can take weeks. Thorough documentation with photos and evidence must occur within days of the incident, before materials dry out or mold develops. Water damage demands swift, expert action to prevent further loss and ensure a successful insurance outcome.
Fire Damage
Fire damage often results in the most significant and complex insurance claims. These losses are multifaceted, typically triggering multiple coverages: Dwelling, Other Structures, Personal Property, and Loss of Use. Our team manages every aspect of the claim — from preparing detailed estimates for your home or property, to compiling a comprehensive inventory of damaged. If you’re displaced, we assist in securing temporary housing or, in the case of commercial losses, work to recover income for your business. We ensure that every coverage available under your policy is maximized. Within the policy, there are many advantages that can be sought after - we will find them.
Our Step-by-Step Claims Process
Navigating an insurance claim doesn’t have to be overwhelming. Here’s how we guide you through each phase — from day one to getting paid.
- 01. Initial Visit & Document Review
We begin with a face-to-face consultation to explain how we work, what you can expect, and how we’ll manage your claim. During this visit, we gather key documents such as your declarations page, prior estimates, plumbing reports, or anything else relevant to your loss.
- 02. Insurance Company Contract
Once we’ve signed a contract to represent you, we immediately notify the insurance company. We’ll request a full copy of your policy, schedule an inspection, and—if applicable—ask for an advance payment to cover immediate needs.
- 03. Inspection & Estimate Presentation
- 04. Follow-Up & Communication
- 05. Insurance Estimate Received
Once the insurance company provides their estimate, we review it carefully. If it aligns with our numbers, we move forward. If not, we push back — negotiating for the coverage you deserve. Every claim is different, and we tailor our strategy to fit the situation.
- 06. Settlement & Payment
As soon as a settlement is reached, we work quickly to get your check in hand. Our job isn’t done until you’re paid — and we make sure it happens fast.
Why do I need my own adjuster?
- Get a 500x higher settlement
- Receive your coverage ASAP
- Leave the negotiations to the pros
- Experience a stress-free claims process
- Restore your property in record time
- Have a whole team of experts in your corner
Our Team
Bill Lacovara
Bill Lacovara brings nearly four decades of unmatched experience to the field of public adjusting. A Linwood, NJ native, Bill spent his early years riding waves and competing nationally, earning a ranking as the 11th best surfer in the United States. He later dedicated 25 years to the Ventnor Fire Department, retiring with honor as Deputy Chief.
In 1990, Bill founded the firm and has since become one of the most trusted and knowledgeable public adjusters in the region. His deep understanding of fire and property damage, combined with decades of hands-on claim expertise, makes him a true advocate for homeowners navigating the aftermath of disaster. Simply put—you won’t find a more experienced public adjuster.
Matthew Lacovara
Matthew Lacovara is a proud graduate of Coastal Carolina University, where he earned Dean’s List honors upon graduating in 2017. Since that time, he has been a licensed Public Adjuster in both New Jersey and South Carolina, helping countless homeowners and business owners navigate the complexities of insurance claims. In 2022, his dedication and results-driven approach earned him the Best of the Press award, as voted by Atlantic County residents.
Beyond his professional accomplishments, Matthew takes immense pride in completing a full Ironman—an achievement that reflects his discipline, endurance, and unwavering commitment to reaching ambitious goals.
Frequently Asked Questions
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.
Now think about this…
If you’re filing a $50,000+ insurance claim, why wouldn’t you have someone representing your best interests?
As a public adjuster, my job is to fight for the best possible outcome for you — not the insurance company.
An insurance adjuster assigned to your loss – represents the insurance companies behalf. Who is representing your interests?
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.
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Contact Info
Our Location
5215 Wellington Avenue #400 Ventnor City, NJ, 08406
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Contact us to assist in your claims process so we can accurately and efficiently get you the value you need. If you have any questions about the claims process, our representatives will happily answer any questions you have.
Call us at 609.487.1717 or fill out the form and we will get back to you!