Welcome to Adjusters International

Founded in 1985, Adjusters International (AI) is a national leader in public insurance adjusting. We are proud to have more senior and certified public adjusters than any other organization of our kind. AI works exclusively for the policyholder to ensure maximum results from first-party property insurance and FEMA disaster recovery claims. Our singular focus is our clients' financial recovery in the aftermath of a devastating property loss.

Adjusters International has the experience, expertise, and resources to thoroughly investigate your loss; accurately prepare, document and submit your claim; and get a full, fair and timely settlement.

Our regional offices are located in:


Our Leadership

Patrick-Bickford

Patrick W. Bickford, SPPA
Golden, Colorado

President & CEO of AI-Colorado, Inc., a Founder and Director of AI, and a public adjuster with more than 35 years of experience in commercial & government property loss adjustment.

Jim-Beneke

Jim Beneke, SPPA
Austin, Texas

A founding member of Adjusters International and third-generation public adjuster with 36 years of experience, primarily in commercial & multi-family property insurance claims.

Luis-Esteves-Jr

Luis Esteves
Dallas, Texas

Regional Director with 20 years of experience beginning in the construction industry and currently as a public adjuster.

Bruce-Kabat

Bruce Kabat
Golden, Colorado

Chief Operating Officer of AI-Colorado, Inc. with more than 12 years of experience as a public adjuster.

Hal-Arnold

Hal Arnold
Houston, Texas

Regional Director & Executive General Adjuster with the AI team for nearly 30 years.

Featured
News

Karl Denison Elected as President of NAPIA

Karl Denison, C.P.P.A., Executive Vice President and Principal of Goodman-Gable-Gould/Adjusters International (GGG/AI), has been elected as President of the National Association of Public Insurance Adjusters (NAPIA) for 2014-2015. ...

Karl Denison, C.P.P.A., Executive Vice President and Principal of Goodman-Gable-Gould/Adjusters International (GGG/AI), has been elected as President of the National Association of Public Insurance Adjusters (NAPIA) for 2014-2015. Since joining NAPIA in 1983, Denison has served on numerous committees and has taken many leadership positions within the Association, most recently serving as First Vice President for the past year. As President, Denison will be active in all facets of NAPIA, including the legislative, education and membership committees.

As a licensed public adjuster, Denison has been handling property insurance claims on behalf of policyholders since 1982. He attained the designation Certified Professional Public Adjuster (C.P.P.A.) from NAPIA in 1990. In addition to his role as Executive Vice President of GGG/AI, Denison is also the GGG/AI Catastrophe Team leader and in this capacity organized their response to many large property loss events, including the 2004 hurricanes Charley, Frances, Ivan & Jeanne; the 2005 hurricanes Katrina and Rita; the 2008 hurricanes Gustav and Ike; and Super Storm Sandy in 2012.

Over the past 63 years, three generations of GGG/AI principals have served in leadership roles within NAPIA, starting with William Goodman—founding member of GGG/AI—who served as the first NAPIA President from 1951-1957. Since then, six others from GGG/AI have served: Norman Goodman, Myron Schwartz, William R. Goodman, Harvey Goodman, Randy Goodman, and now Karl Denison. From the very beginning of NAPIA, GGG/AI has worked hand in hand with the Association to create continuing education opportunities for its members, to support legislation regarding licensing criteria, and to elevate the public adjusting profession as a whole.

“I am pleased to be voted in as President of NAPIA,” says Denison. “This is a very high honor, especially considering I have been elected by my peers, and in some cases my competitors, in the public adjusting field. I look forward to serving all the members for the next year.”

Founded in 1951, the National Association of Public Insurance Adjusters promotes the highest standards of professional education, conduct and ethics in the field of public insurance adjusting. NAPIA’s members are committed to working in the best interest of their client—the policyholder—and to conducting business with honesty and integrity.

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Featured
Article

Soft Cost (Delay in Start-Up) Insurance Coverage: An Introduction

Builder’s risk insurance provides valuable protection, but it is a specialized coverage that can be unfamiliar to even experienced insurance professionals. In addition to the obvious direct property ...

Builder’s risk insurance provides valuable protection, but it is a specialized coverage that can be unfamiliar to even experienced insurance professionals. In addition to the obvious direct property losses that a builder, owner, or developer can experience during construction, soft costs losses can provide additional substantial financial exposures. Basic builders risk coverage does not cover the delay in completion and resulting loss of business income, loss of rents, interest on loans, and other consequential losses Builders Risk Insurance Soft Costs Coveragethat may have been incurred following an insured property loss. This gap in coverage can be closed with the addition of “soft costs coverage” to a builder’s risk insurance policy.

Soft costs (in the context of a builder’s risk insurance) are costs arising from a delay in project completion. Developer’s and contractor’s costs are incurred directly for restoration, and as such these costs are covered under the property damage policy. However, in the event of a loss, the project becomes delayed, making soft cost coverage crucial to the financial implications of the project. Examples of soft costs that could be incurred include: interest, real estate taxes, accounting and legal fees, developer’s fees, contractor’s general conditions, inspections fees, and consulting and marketing fees.

For more information on soft costs, download the “Soft Cost or Delay in Opening: Insure for the Potential Exposure” edition of Adjusting Today. This in-depth article stresses the importance of accounting for soft cost or delay in start-up coverage. Author Tony D’Amico, with his 30+ years of experience as a Senior Professional Public Adjuster, gives an expert’s take on this essential—yet often overlooked—aspect of coverage.

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