Public Insurance Adjusters for Residential & Commercial Claims

Certified Public Adjusters

Ready to help you on your insurance claim
Family owned and operated

Public Insurance Adjusters for Residential & Commercial Claims

Certified Public Adjusters

Ready to help you on your insurance claim
Family owned and operated

MATC 2025

The Skipton Team

Certified Public Adjusters

Ready to help you on your insurance claim
Family owned and operated

New Claims:  (602) 992-7577 | Existing Claims:  (602) 992-8800

Certified Public Adjusters

Public adjusters representing consumers in denied, delayed, or underpaid insurance claims for both commercial and residential losses.  

Homeowner/ Residential
Commercial

Contact Skipton

Claims management experience.
We work for you.

New Claims: (602) 992-7577
Existing Claims: (602) 957-8800

Certified and Expert Public Adjusters

Increasing Claims by More Than $40 Million Dollars

Our public adjusters have increased our clients’ claims by more than $40 million dollars over the past 8 years.  Our staff makes each claim a priority and our claim management software assures that nothing ever falls through the cracks – we identify what others miss. We also keep you informed every step of the way with our structured claim presentation. With our claim management system you can access the current status of your claim 24/7.

  • Certified Experts
  • Competitive Pricing
  • Over 50 Years Experience
Pro Tip

Pro Tips

Understanding the Loss Draft Process After an Insurance Claim.
Learn more >>

Why Water Damage Insurance Claims Are Often Denied for “Slow and Repeated Seepage” in Arizona
Learn more >>

Industry Leadership

Led by the current President of the National Association of Public Insurance Adjusters (NAPIA

Skipton & Associates, Inc. is recognized for its leadership, experience, and disciplined approach to complex insurance claims. Our firm represents homeowners and businesses across the country in fire, water, storm, and commercial property insurance claims, with a focus on proper documentation, policy analysis, and professional advocacy.

napia logo white newOur leadership is actively involved in advancing the public adjusting profession at a national level. Justin R. Skipton currently serves as 2025 – 2026 President of the National Association of Public Insurance Adjusters (NAPIA)—the leading trade organization for public adjusters in the United States, founded in 1951. NAPIA promotes ethical standards, continuing education, and professional excellence across the industry.

With a multi-state presence and experience handling both residential and large commercial losses, Skipton Claims Management brings a structured, professional approach to every claim. Our team focuses on identifying the full scope of damage, presenting claims clearly and thoroughly, and advocating for a fair resolution under the policy.

Justin Skipton elected president of NAPIA

Local Offices To Serve You

Arizona

Phoenix, Arizona’s Top Rated Public Adjuster

California

Local office in Woodland Hills near LA

Colorado

Serving Denver and the Front Range

Texas

Centrally located in Dallas, TX

Washington

Located in Seattle, WA

Florida

Centrally located in Tampa, FL

Learn More

Book Cover

Broken Promises

By: David B. Skipton
CPCU, PCLS, LPCS, SPPA, AIC

Details

The tricks and deceptive tactics insurance companies use to underpay or deny your claim. Most people think: “At least I have insurance.” However, the claims process is deviously designed to pay only pennies on the dollar for losses.

Public Adjusting Firm as Featured in Attorney at Law

Attorney at Law

As Featured in

Details

As featured in Attorney at Law Magazine, Skipton and Associates, Inc. is setting a new standard in public adjusting. Click to learn more about how Skipton is changing the game and how we can help on your insurance claim.

Public Adjuster Reviews Skipton Arizona Texas California

Testimonials

See what our clients have to say.

Details

90% of SKIPTON claims managements public adjusting business comes from our client referrals. See what they are saying about their experience and read some of the great public adjuster reviews we have received as a result of our service.

Typical Public Adjuster Fee

Our Fee

What is the typical Public adjuster fee?

Details

See how a public adjusters fee works and how it pays to utilize the experience of an expert for you. In most cases using a public adjuster more often than not pays for itself and some. Here is an explanation of a Public Adjuster fee.

Skipton’s Services

Fire

Fire

We help with all types of fire damage claims. Our Teams of certified restoration experts will assure your property is smell free..

Wind

Wind

Wind damage can sometimes be hard to prove. We have the claim adjuster expertise and technology to help prove your claim to the insurance company.

Commercial claims

Commercial Loss

Our team of licensed public adjusters will assist you in complying with the all terms contained in your insurance policy. Including commercial business event losses.

theft icon

Theft

Our team of licensed public adjusters will assist you in complying with the all terms contained in your insurance policy. Including, assisting you in documenting the stolen items and will research the current replacement costs. 

Storm

Storm

Storm damages can result from a number of different causes, some that are covered and some that may not be. Our experts can trace and separate the damages caused by wind driven rains from those caused by surface waters (flood).

water icon

Water

Water damages can be difficult to identify because water leaking does not usually travel straight down. Our team is certified in water damage identification and restoration processes.

WHAT IS A PUBLIC ADJUSTER?

Public Adjusters are experts on property loss adjustment who are retained by policyholders to assist in preparing, filing and adjusting insurance claims. Employed exclusively by a policyholder who has sustained an insured loss, these professionals manage every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A public adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured’s coverage, determines current replacement costs and exclusively serves the client, not the insurance company. Definition per the National Association of Public Insurance Adjusters (NAPIA).

Insurance Claim FAQs

How much does a public adjuster cost for a residential claim?

Public adjusters are typically paid a percentage of the recovered settlement, often between 10% and 15%, depending on the complexity of the claim. There are no upfront fees, and you only pay if additional money is recovered on your behalf.

How long do residential claims usually take to resolve?

There is no single timeline that applies to every claim. The duration largely depends on the size of the loss and the complexity of the issues involved. Smaller claims may resolve quickly, while larger or disputed losses—particularly those involving mold, hidden damage, or denials—can take longer. A qualified public adjuster helps move the process forward by addressing claim issues early and presenting thorough documentation.

What if I already accepted a partial payment from the insurance company?

You may still be able to pursue additional compensation. Accepting an initial payment—often referred to as the undisputed claim payment—does not automatically waive your right to challenge underpayment or pursue additional benefits owed under the policy.

Will hiring a public adjuster delay repairs?

No. Hiring a public adjuster does not delay repairs overall. Instead, it helps ensure repairs are completed properly, with approved scopes and coverage issues addressed upfront. Beginning repairs before resolving claim disputes can lead to problems later and may prejudice your rights to additional recovery. Resolving key claim issues early allows repairs to proceed smoothly and correctly.

Can a public adjuster help with a denied water damage claim?

Yes. Many residential water damage claims are denied based on allegations of long-term seepage, wear and tear, or maintenance issues. A public adjuster can review the policy, document the damages, and challenge improper denials—often focusing on proving that the loss was sudden and accidental, rather than a long-term condition.

Affiliations and Partners

 

NAPIA web
RMAPIA
BBB Accredited A web
21975 291916091294 2611049 n
IICRC Logo web
zactimate web logo
RMAPIA

“I highly recommend Skipton & Associates, Inc. to anyone needing a public adjuster for an insurance claim. They are very professional & have a keen understanding of the insurance industry. They can make quite a difference in your claim results by their experience in this field. I don’t know what I would have done in our business’s fire loss claim without Dave Skipton’s help.”

The Skipton team was an excellent source of information, guidance and most importantly, assistance with the insurance company.  They helped my family get back on our feet after a house fire and even now, I couldn’t imagine doing it alone.  

“I can say without doubt that if I experience another catastrophic property loss, the first call will be to 911 and the second call will be to Dave Skipton at Skipton & Associates. I was really lucky that my attorneys were able to introduce me to Dave, as his vast knowledge on adjusting insurance claims and insurance law allowed me to maintain some peace of mind, while trying to re-build my business post-loss.”

I worked with Dave in both Arizona and California on several claims. I found David to be fully up to date on the current legislation regarding fire losses, tenant responsibility, and insurance policies and practices. In every instance his work resulted in significantly more reimbursement from the insurance carrier, which allowed us to fully restore the damaged property, including lost income (rent) during the period of the loss and repairs.