Skipton Claims Management are Public Adjusting Experts

Homeowners

We work for you and can help you settle your residential insurance claims for damage from fire, wind, water, smoke, and tornadoes.

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

Homeowners trust Skipton and Associates, Inc. every day to handle their insurance claims

Homeowners navigating the aftermath of property loss, the engagement of a Public Adjuster is of paramount importance. Residential insurance policies not only require the insured to adhere to specific duties post-loss, but they also establish strict timelines that, if not met, could jeopardize the full recovery of a claim. These duties, along with policy-specific “time bars,” are critical components of the claim process that many homeowners may not be familiar with or fully understand.

Experienced
Justin Skipton is currently serving as an officer of the National Association of Public Insurance Adjusters (NAPIA) and is in line to be voted in by his peers as the 2026-2027 President.

Professional
Our team of Public Adjuster’s carry some of the most presitgous and recognizable certifications and designations in the insurance industry.

Licensed
The adjuster representing you has passed a state regulated insurance exam and been fully background checked.

Call us direct: 877.992.7577

Skipton Claims Management is a family owned company.

Proud member of the National Association of Public Insurance Adjusters (NAPIA).

Our offices are located in Arizona, California, Colorado, Florida, Washington, and Texas.

Take The First Step

Residential and Commercial Forms

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Does the value of the loss exceed $85,000?

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Homeowner Insurance Claim Assistance

Insurance carriers frequently update their policy terms, often unbeknownst to policyholders, which can have significant implications on coverage. A Public Adjuster is instrumental in ensuring that homeowners are informed of these changes, fulfill all policy obligations, and meet crucial deadlines. By doing so, a Public Adjuster safeguards the homeowner’s interests, ensuring that their claim is not only thoroughly represented but also that they receive a fair and just settlement to restore their residence to pre-loss condition.

California Wildfire Center

NEWS & RESOURCES

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

National Association of Public Insurance Adjusters (NAPIA) issues a warning about unlicensed adjusters in California >>

Standing Strong Amidst the Los Angeles County Wildfires: Palisades, Hurst, Woodley, and Eaton Wildfires >>

Fire

Even to non public adjusters fire damage is usually obvious, but the resulting smoke damage and the water used to put the fire out are often not as easily identified. They can cause hidden damages that left unaddressed will result in future problems. Our local team of public adjusters is certified by the IICRC in fire, smoke & water restoration processes to assure that all damages are fully addressed.

Wind

Wind damages can be difficult to identify which often cause them to get denied. Often the wind will break the roof coverings loose from the roof decking. However, once the storm passes the roofing will settle back in place making it can be hard to tell that there was damage. Our team has years of experience in roof investigations. We know how to investigate and identify these damages resulting in higher payments.

Hail

Processing a hail damage claim requires extensive experience in the identification of hail damages and a detailed knowledge of roofing materials, investigation methods and installation/repair techniques. Our public adjuster/experts have the training to quantify these damages using a variety of destructive testing and investigation techniques so you get paid what you deserve.

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. We will then prepare a detailed claim submission for you. It is our experience that a well supported claim submission get paid faster and for more money.

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). They work to identify openings in the structure caused by wind to achieve coverage for your loss.

Water

Water damages can be difficult to identify because water leaking does not usually travel straight down. The drywall can appear to be dry on the outside, yet with the proper thermal imaging equipment these damages are easily identified. Our team is certified in water damage identification and restoration processes.

What We Do

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review your insurance policy

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Assess Property Damage

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get the coverage you deserve

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Help settle your claim in your favor

contact us

Residential Insurance Claim FAQs – Homeowners

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.

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.

Read: Denying Claims is Bad Business

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.

Read: Don’t Blaim Adjusters for Insurance Crisis

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.

Read: When Fire or Hail Damage hits, hire a public adjuster.

Homeowner / Residential Resources

Four Insurance Steps Every Arizona Homeowner Should Take Before Wildfire Season

Water damage insurance claims are one of the most common types of property insurance claims filed by homeowners and commercial property owners in Arizona.

Skipton & Associates Congratulates Jack Karlen on Election to the NAPIA Board of Directors

FOR IMMEDIATE RELEASEJuly 17, 2026 SCOTTSDALE, Ariz. – Skipton & Associates, a nationally recognized public insurance adjusting firm, is proud to announce that Jack Karlen has been elected to the Board of Directors of the National Association of Public Insurance...

California Standing with Residents against State Farm over Wildfire Claims

California regulators filed legal action Monday against State Farm, alleging the insurer improperly delayed, denied, and underpaid homeowners’ insurance claims tied to last year’s Los Angeles wildfires.