Business ProfileforEast Coast Public Adjusters, Inc.

I am making a compliant about an insurance claim that we made in 2019 or 2020. The pipe to our kitchen sink broke and flooded the interior of our home. Naturally, when I filed a claim against my homeowner's insurance policy, I used a public adjuster thinking this would result in a faster resolution to our claim.When the Public Adjuster listed all of the damages, in our claim, to my homeowner's insurance company, they claimed that my kitchen cabinets were damaged to the extent that they required replacement. However, this was not true since the only damage suffered to our kitchen cabinets was that a sheet of laminated plastic that had come loose and required to be replaced and re-glued back into place where the old piece had come off.Naturally, the insurance company wanted to make sure that we had made the necessary repairs to my home, which we did, but when they asked to see photographs confirming the replacement of our kitchen cabinets we were completely caught off guard.Because the Public Adjuster made this claim, and that we were not aware that we were required to replace our kitchen cabinets, we have not been able to secure a new homeowner's insurance policy in any market. This has put us into a situation where the mortgage company put "a force placed" insurance policy on our home, which only covers the value of our mortgage balance and not the entire value of the residence. Furthermore, the "force placed insurance" is dramatically more expensive than our original homeowner's insurance policy and we are living on a "fixed income".As a senior citizen we feel we were completely taken advantage of in this matter.