Licensed Public Adjusters · Maryland

Get paid what your insurance policy actually owes you.

A property insurance claim is a second full-time job at the worst possible moment. We take it off your hands and fight for the settlement you're owed.

Schedule a Free Claim Review
You only pay when we recover.
No upfront fees.
A claim, reopened
Insurer's first offer · $42,600
$125,400
+ $82,800 recovered
Damage re-documented, room by room
Policy coverage they overlooked, applied
Settlement negotiated, in writing
Illustrative exampleOutcomes vary by claim
MD Licensed · #3004223376 & #3004195422
Free, no-obligation review
No upfront fees
We work only for you
How We Help

If any of this sounds familiar, you're in the right place.

"I don't even know where to start."

That's what we're here for. We'll show you what your policy actually covers — often far more than people realize — and take the process off your plate.

"They denied my claim and I don't understand why."

Denial letters are written to sound final. They rarely are. We read your policy alongside the denial and find the grounds for appeal.

"The offer doesn't come close to covering the repairs."

Insurance estimates routinely miss code requirements, matching materials, and hidden damage. We build the estimate the adjuster should have.

"They keep asking for documents and nothing moves."

Delay is a tactic. We escalate, document, and create a record that forces the claim forward.

"My contractor's estimate is way higher than their offer."

We document why the additional work is necessary and bring it to the insurer on your behalf.

"This is too much. I just want someone to handle it."

We manage the whole process — inspections, paperwork, communication — so you can focus on getting your home back.

What We Handle

Whatever the damage, whenever you call.

Not sure if your situation qualifies? It probably does. We work across residential and commercial claims, including many not listed here.

Fire & smoke
Water damage & burst pipes
Storm, wind & hail
Roof damage
Hurricane & tropical storm
Mold from a covered loss
Vandalism & theft
Business interruption
Commercial property loss
Catastrophe & large-loss
We work at all stages of a claim
Before you file | Mid-claim | After a denial
Our Process

A clear path, start to finish.

Most people have never filed a claim like this, and it shouldn't be on you to know how. Here's how we handle it, step by step.

The first step is just a conversation. A free claim review puts you under no obligation — you'll come away understanding your policy, your options, and what to do next.
1

Free claim review

Tell us what happened. We'll look at your claim and your policy and walk you through your options — no cost, no obligation.

2

Inspection & policy review

We document all the damage — including what was missed — and read your policy closely to find every coverage that applies.

3

Documentation & estimate

We prepare a detailed, defensible estimate and assemble the evidence your insurer can't wave away.

4

Negotiation & settlement

We handle every conversation with your insurance company and push for a fair settlement — keeping you informed the whole way.

Why Caretake

Capable hands, clearly on your side.

We work for you — not the insurer.

Public adjusters are licensed to represent policyholders, not insurance companies and not contractors. When you hire us, your interests are the only ones in the room.

Licensed & regulated in Maryland

Technology we built ourselves.

Most adjusters run on spreadsheets, email, and outdated software. We built our own technology from the ground up to document damage, build the strongest possible case, and recover everything you're owed.

You only pay when you recover.

Our fee is a percentage of the additional money we secure for you, discussed upfront before you sign anything. If we don't increase your settlement, you owe nothing.

Talk to us before you accept their offer.

Most property owners take the first number because they don't know they can push back. A short, free conversation can show you what your claim may really be worth.

Schedule Your Free Claim Review
No upfront fees · You only pay when we recover
Call Free Claim Review