When it comes to insurance claims, most property owners are in uncharted territory. Enter Ronnie Gelfont, owner of 21st Century Public Adjusters, based in Newtown, Pennsylvania. Ronnie’s journey into public adjusting wasn’t traditional—he stumbled into the field during a slower period for one of his other businesses during COVID-19. However, his passion for advocating for property owners and uncovering the nuances of insurance policies quickly set him on a path to success.
What is a Public Adjuster?
Public adjusters are licensed professionals who advocate for property owners during the insurance claims process. Unlike insurance company adjusters, who represent the insurer’s interests, public adjusters work exclusively for policyholders. They help ensure claims are filed correctly and property owners receive the maximum compensation they’re entitled to under their policies. As Ronnie puts it, “Insurance fixes damage, not problems. My job is to explain what policies actually cover and help clients get what they deserve.”
Common Challenges Property Owners Face
Many people don’t fully understand their insurance policies. They often assume their policies will cover any and all issues, only to find out after filing a claim that their damage doesn’t qualify. Ronnie frequently encounters property owners who:
- Worry their rates will skyrocket or their policy will be dropped if they file a claim.
- Call in claims without understanding what their policy covers, resulting in denials or incomplete payouts.
- Have outdated policies that don’t reflect their current property or needs, like coverage gaps for finished basements or specific perils.
These misunderstandings can leave property owners frustrated and undercompensated. That’s where a public adjuster’s expertise comes into play.
Building Relationships in the Industry
Ronnie has built a strong network of trusted professionals, including plumbers, electricians, and emergency service companies specializing in water, mold, and fire remediation. These connections help him assist clients in navigating disasters effectively and efficiently.
For example, during the winter months, Ronnie often deals with claims related to fallen trees, smoke damage from heating systems, and windstorms. His understanding of these scenarios, combined with his expertise in policy language, ensures his clients are well-represented.
The Value of Policy Reviews
One of the services Ronnie is most passionate about is reviewing insurance policies for his clients. While he doesn’t sell insurance, he helps property owners understand their coverage, identify gaps, and make informed decisions about endorsements or upgrades.
“A lot of people don’t realize what they’re missing,” he says. “For example, sump pump backup coverage or city ordinance endorsements can be game-changers when disaster strikes. Most people don’t think about these until it’s too late.”
Myths About Insurance Claims
A major misconception is that filing a claim will automatically lead to higher premiums or policy cancellations. Ronnie explains that while discounts may be temporarily removed after a claim, rate increases are more often tied to general market trends than individual claims.
Another common pitfall is calling the insurance company directly without understanding the implications. Even inquiries can sometimes be recorded as claims, impacting future coverage. Ronnie emphasizes the importance of consulting a public adjuster first to avoid costly mistakes.
How Public Adjusters Get Paid
In Pennsylvania and New Jersey, public adjusters work under standardized contracts with clear fee structures. Ronnie explains, “We only get paid if you get paid. Our fees come from the payout, not out-of-pocket expenses.” This transparent system ensures public adjusters remain dedicated to their clients’ best interests.
Why Public Adjusters Are Underutilized
Despite their value, public adjusters are involved in less than 10% of all claims. Many property owners are unaware they exist, only learning about them after encountering issues with their claims. Ronnie aims to change this by educating people about the benefits of having a public adjuster advocate on their behalf.
How to Find a Public Adjuster
For Ronnie, most clients find him through word-of-mouth referrals or online reviews. Whether it’s a friend’s recommendation or a Google search, the key is knowing to call a public adjuster before contacting your insurance company.
Final Thoughts
Ronnie’s dedication to helping property owners navigate the complexities of insurance is evident. By providing expert guidance, building trust, and advocating tirelessly, he ensures his clients are equipped to handle any claim scenario.
If you’re dealing with an insurance claim or want to review your policy, Ronnie and his team at 21st Century Public Adjusters are here to help. You can reach them at (215) 485-3107, via email at 21stclaims@gmail.com, or visit their website at www.21stcenturypublicadjusters.com. For in-person visits, their office is located at 41 University Drive, Suite 400, Newtown, PA.
Don’t let insurance confusion leave you undercompensated—partner with a public adjuster who will fight for what you deserve.