Insurance Insights

When disaster strikes, the last thing you want to navigate is a complex insurance claim. At Rome Public Adjusting, we understand that a loss is more than just a damaged house—it's a disruption to your life and a source of deep uncertainty. Our mission, guided by the principle "People Are For Caring," is to walk with you on the path to a fair and just settlement. Here's an overview of the journey we'll take together and what you can expect in terms of timing. Rome Public Adjus

When a homeowner files an insurance claim, a denial can feel like a final, devastating blow. The adjuster says, “the policy doesn’t cover it,” and the door to a solution seems to slam shut. But what if that door isn’t truly closed? At Rome Public Adjusting, we approach every claim from the principle that “People Are For Caring.” This means we don't just look at the surface-level facts of a claim; we seek to understand the deeper truth, guided by an ethical and compassionate f

Most people know the term “Public Adjuster.” It is a legal and professional designation. A Public Adjuster is a licensed advocate who represents the policyholder—not the insurance company—throughout the claims process. We handle the documentation, the policy analysis, the negotiations, and the formal advocacy required to pursue a fair settlement under the policy. That is the public role. There is also a private dimension the license alone does not capture. Every claim involve

Leveling the Playing Field: Why a Public Adjuster Can Be Your Advocate in Times of Loss Recently, Forbes Advisor published an insightful article titled "What Is a Public Adjuster?" and it resonated deeply with the mission we are building at Rome Public Adjusting (RomePA). For those unfamiliar, a public adjuster is an independent professional who works exclusively for you, the policyholder, not the insurance company. In essence, they become your dedicated advocate during the o

When a fire, storm, or other disaster strikes your home, chaos can take over. You're left with a mess to clean up, a life to put back together, and a complicated insurance claim to navigate. As you begin this journey, it’s critical to know who is really on your team. In the world of insurance, there are three types of adjusters, but only one works exclusively for you. Let's break down the difference between a Staff Adjuster, an Independent Adjuster, and a Public Adjuster. The

I. Introduction: The Unforgettable Tragedy of the Zong Revisiting the Zong: A Story That Demands Remembrance The Zong massacre, a horrific event from 1781, represents one of the most stark examples of human depravity driven by perverse financial logic within the transatlantic slave trade. This report aims to bring this little-known but profoundly significant historical event to the forefront, as it serves as a critical lens through which to examine the ethical foundations of

The Ship of Iniquity and a Soul Lost: The Tale of the Zong It is a story that, by all rights, should be part of the curriculum of every aspiring insurance professional. Yet, after more than two and a half decades in the industry, I had never heard it. This silence is deafening, for the tale of the slave ship Zong reveals an underbelly of depravity that forced me to ask a difficult question: did the insurance industry, at its inception, ever truly have a soul? The year was 178

From Lloyd's of London to Our Neighbor's Care In the powerful documentary "The Call of the Entrepreneur," Frank Hanna offers a profound perspective on the nature of insurance. He reveals that this virtuous mechanism for spreading risk was born not from chance, but from brilliant financial engineering at places like Lloyd's of London. Before insurance, only the wealthiest patrons, such as Queen Isabella of Spain, had the vast resources to underwrite an entire expedition. She a