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Public Adjusters for Policyholders Since 2008
LRG Claims was founded by Randall Harris after seeing how often policyholders were treated unfairly during the insurance claim process. What began as helping people through difficult claims grew into a public adjusting firm built around fairness, documentation, advocacy, and results.
When you purchase an insurance policy, you are purchasing a promise that the insurance company will pay for covered damage when a loss occurs. Unfortunately, the claim process is often more complicated than policyholders expect. LRG Claims helps level the playing field by giving property owners experienced claim professionals on their side.
Our job is simple: help policyholders prove the loss, document the damage, communicate with the insurance company, and pursue the settlement value needed to repair, rebuild, and recover.
Experience Across Complex Property Claims
LRG Claims has been licensed in 30 states and brings more than 65 years of combined claims adjustment experience to the policyholders we represent. Our experience includes thousands of residential, commercial, municipal, educational, hospitality, industrial, church, airport, and multi-family property structures.
Who LRG Claims Represents
LRG Claims represents policyholders in the insurance claims process. That means we work for the insured, not the insurance company. Our role is to help document the covered damage, evaluate the claim, communicate with the insurer, and pursue a fair and comprehensive settlement.
- Homeowners
- Business Owners
- Commercial Property Owners
- Property Managers
- Municipalities
- School Districts
- Churches & Religious Facilities
- Hospitality Properties
- Industrial Facilities
- Multi-Family Property Owners
What Makes LRG Claims Different?
The Difference
LRG Claims was created from a sincere desire to help people during difficult claims. Our work is rooted in advocacy, fairness, empathy, documentation, and results so policyholders can navigate the claim process with greater confidence and clarity.
Our Goal
Our primary goal is to help clients receive a fair and comprehensive settlement for covered property damage or loss. We help policyholders understand the claim, document the damage, and respond when an insurance company estimate is incomplete, delayed, denied, or underpaid.
What We Do
LRG Claims provides representation to policyholders dealing with insurance claims. Our licensed public adjusters bring knowledge of insurance policies, claim requirements, documentation standards, repair scopes, and negotiation strategies.
Why We Do It
Helping policyholders successfully navigate insurance claims is what we are built to do. Too many insureds face pressure, confusion, delay, denial, and underpayment. LRG Claims helps level the playing field.
Types of Insurance Claims Our Public Adjusters Manage
LRG Claims handles a wide range of property insurance claims involving residential, commercial, municipal, institutional, and complex property losses.
Wind Damage Claims
Wind damage can range from minor roof damage to catastrophic structural loss. Whether damage comes from hurricanes, tornadoes, straight-line winds, or wind-driven rain, LRG Claims helps inspect, document, and prove the full scope of the covered loss.
Fire & Smoke Damage Claims
Fire losses may involve structural damage, smoke damage, soot, odor, contents damage, water damage from firefighting efforts, code upgrades, extra expenses, and temporary relocation issues. LRG Claims helps policyholders document the full extent of fire and smoke damage.
Hail Damage Claims
Hail damage is not always obvious from the ground. Hail can damage roofing systems, exterior surfaces, HVAC equipment, gutters, windows, and commercial building components. LRG Claims helps identify and document hail-related property damage.
Flood Damage Claims
Flood claims can involve rising water, storm surge, heavy rain, drainage failures, moisture damage, and complex coverage issues. LRG Claims helps policyholders organize documentation and understand the claim process after flood-related damage.
Collapse Claims
Collapse claims can involve structural failures, hidden damage, engineering disputes, coverage questions, and insurer investigations. LRG Claims helps policyholders review the damage, gather support, and pursue the claim with proper documentation.
Business Interruption Claims
Business interruption claims can affect whether a company continues operating after a covered loss. LRG Claims helps commercial policyholders evaluate lost income, extra expenses, operational downtime, tenant disruption, and recovery-related claim issues.
Theft Claims
Theft claims may involve stolen property, damaged openings, contents inventories, proof of ownership, replacement cost issues, and insurer documentation requests. LRG Claims helps policyholders organize and support theft-related property claims.
Vandalism Claims
Vandalism claims may involve graffiti, broken windows, intentional property damage, arson-related disputes, contents damage, cleanup costs, and repair documentation. LRG Claims helps policyholders document the loss and pursue proper claim resolution.
How LRG Claims Helps Policyholders
As the insured, it is your responsibility to prove your loss. LRG Claims helps relieve that burden by bringing structure, documentation, experience, and strategy to the claim process.
- Inspection & Damage Review: We inspect the property damage and begin identifying the full scope of the covered loss.
- Policy Review: We evaluate policy language, coverage limits, exclusions, duties after loss, and claim requirements.
- Documentation & Evidence: We gather photos, measurements, reports, estimates, inventories, invoices, and other supporting materials.
- Claim Preparation: We help organize the claim package and present the covered damage clearly and thoroughly.
- Insurance Company Communication: We help communicate with the insurer, respond to estimate issues, and challenge incomplete evaluations.
- Negotiation & Settlement Support: We pursue fair settlement value based on the covered damage, repair scope, documentation, and policy terms.
Why Hire a Public Adjuster?
Insurance companies have adjusters, consultants, and claim professionals protecting their financial interests. A public adjuster gives policyholders a licensed professional working on their side.
LRG Claims helps homeowners, businesses, and organizations understand their policy, document the damage, respond to insurer questions, review estimates, and pursue the settlement they are entitled to under the policy.
- Policyholder-first representation
- Claim documentation and repair scope support
- Help with denied, delayed, disputed, and underpaid claims
- Residential, commercial, municipal, church, school district, and complex property claim experience
- No-upfront-fee claim support where permitted by applicable state law
Need help with a property damage insurance claim?
Call (800) 956-8650 for a free claim review or contact LRG Claims online today.
Get Your Free Claim Review