Business Details
44 Years
experience
Emergency
services
Trusted Public Insurance Adjusters in Totowa, NJ
Gibson & Associates Public Insurance Adjusters Public Insurance Adjusters, LLC has served policyholders since 1982, providing expert representation in property loss settlements. Our team specializes in navigating complex insurance claims for residential and commercial clients affected by fire, windstorm, flood, and catastrophic events. With a second-generation legacy, we combine decades of experience with specialized expertise in policy interpretation, damage assessment, and negotiation. Our licensed professionals handle all aspects of the claims process, from emergency repairs to final settlement documentation. Based in Totowa, New Jersey, we serve the New York/New Jersey metropolitan area while maintaining national industry connections.Our staff includes certified adjusters, construction estimators, and accountants who ensure comprehensive claim management. As members of the New Jersey Public Insurance Adjusters Association and local business organizations, we uphold professional standards while prioritizing client needs. Our proven track record demonstrates our commitment to maximizing settlements and expediting recovery processes. We operate on a contingency basis, charging fees only after successful claim resolution. This client-focused approach has earned us professional respect within the insurance community and long-standing trust from policyholders.
Services
Building Losses
Contents Losses
Additional Living Expenses
Business Interruption
Details
- Year established: 1982
Highlights and features
- We have over 35 years of experience in property loss adjustment
- Our team includes certified experts in adjusting and policy interpretation
- We provide prompt response to catastrophic loss situations
- We have a proven track record of favorable settlements since 1982
- Our licensed professionals handle all aspects of the claims process
What people say
Excellent work
Very attentive and helpful
Professional and responsive
Guidance and expertise
Seamless process
Services
Building Losses
Our experts assess structural damage following catastrophic events, creating detailed reports with current construction costs and compliance requirements. We document all necessary repairs while considering building code updates and emergency mitigation expenses. Our team ensures insurance settlements cover complete restoration through thorough documentation and professional negotiation.
Contents Losses
We inventory damaged personal property, stock, and equipment while calculating depreciation and replacement costs. Our specialists document losses according to policy requirements, considering actual cash value and replacement cost provisions. We ensure proper compensation for damaged belongings through comprehensive reporting and expert negotiation.
Additional Living Expenses
We assist with temporary housing arrangements during property reconstruction while documenting associated expenses. Our team negotiates coverage periods and amounts based on individual circumstances, ensuring policyholders receive appropriate compensation for increased living costs during recovery.
Business Interruption
Our accountants evaluate lost income and extra expenses during business disruptions, considering seasonal factors and industry trends. We document operational impacts and negotiate settlements covering ongoing expenses while businesses recover from catastrophic losses.
People
Brian Gibson
President / Senior Adjuster
With over 20 years in commercial and homeowner claims, Brian holds engineering and insurance certifications. He leads the team while maintaining active involvement in complex claim negotiations and client representation.
Rui Silva
Vice President / Senior Adjuster
A bilingual professional with expertise in policyholder advocacy, Rui brings educational background in foreign languages and retail operations to client communications and claim management.
Ray Schmitz
Senior Adjuster
Former 25-year fire department captain utilizes emergency response experience to coordinate on-site services. He specializes in damage assessment and client support during catastrophic loss situations.
Andrew Gibson
Adjuster
Second-generation adjuster pursuing business administration while assisting with residential and commercial claims. He gained field experience during Super Storm Sandy recovery operations.
Joanne Gibson
Office Manager
Transitioning from insurance company work to public adjusting, Joanne manages office operations and provides critical support for claim documentation and client communications.
Questions
What does Gibson & Associates do for policyholders?
We represent policyholders in insurance claims, handling damage assessment, policy analysis, documentation preparation, and settlement negotiations to ensure fair compensation.
What geographic areas do you serve?
We primarily serve New Jersey and the New York metropolitan area, with experience handling claims across various locations through our industry network.
How does Gibson & Associates charge for services?
We work on a contingency basis, charging fees only after successful claim resolution, with payment coming directly from your insurance settlement.
What types of insurance claims do you handle?
We specialize in property loss claims including fire, windstorm, flood, and catastrophic damage for both residential and commercial properties.
