About Old Dominion

Public Adjusters on your side when it matters most.

When property damage turns life upside down, we bring structure to the process — documenting your loss, valuing the claim accurately, and negotiating for a fair outcome with your carrier.

Results-driven advocacy
Clear documentation
Carrier negotiation support
Local, responsive team
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About Us

Your trusted guide for insurance claims.

Welcome to Old Dominion Public Adjusters — your policyholder advocate through the property insurance claim process. We help you document the loss, understand your policy, and present a clear, well-supported claim to the carrier.

Damage Documentation

Thorough assessment, documented the right way.

We inspect the loss in detail and build a comprehensive record — so your claim reflects the full scope of damage, not a rushed summary.

Content Evaluation & Pricing

Contents that matter — valued accurately.

We identify what was impacted and price it properly — so contents aren't overlooked and you're not left replacing essentials out of pocket.

Policy Review

Know what your policy actually covers.

We review your policy line-by-line, verify requirements, and help you understand your rights and entitlements before major decisions are made.

Claim Preparation & Submission

Organized, accurate, submitted on time.

We prepare and submit documentation in a structured way so the carrier has what it needs to evaluate your loss properly — without unnecessary delays.

Negotiation

We handle the calls, emails, and pushback.

We manage communication with the insurance company and negotiate for a fair settlement — so you can focus on recovery, not paperwork.

Settlement Review

Before you sign, we verify it's truly fair.

We review the offer against your policy and documented scope of loss — so you can make an informed decision before accepting it.

Google Reviews

What Virginia property owners say about us.

Real reviews from homeowners and businesses we've helped through fire, water, storm, and mold claims. Every experience is different — read what clients say about working with Old Dominion Public Adjusters.

5.0
46 Google reviews
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FAQs

Public adjuster questions homeowners ask most.

Tap a question to see the answer. If you're dealing with a claim right now, use the button below to request a consultation.

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Old Dominion Public Adjusters professional reviewing insurance claim documentation with a homeowner
We document, estimate, and negotiate so you don't have to.
A public adjuster represents the policyholder, not the insurance company. We help document damage, prepare a detailed claim, and negotiate the settlement so your claim is handled accurately.
Call as early as possible after damage occurs, especially for fire, water, storm, or large/complex losses. Early involvement helps protect evidence, improve documentation, and avoid missed items.
No. We work for you, the policyholder. Our job is to advocate for a fair, well-supported outcome based on your policy and the full scope of damage.
We assist with fire and smoke damage, water and flood damage, wind/hail/storm damage, and other covered property losses. If you're unsure, request a consultation and we'll review the situation.
You can still bring us in. We can review what has been submitted, identify missing line items, strengthen documentation, and help with supplements or negotiations if needed.
We inspect and document damages, build a detailed estimate, organize claim evidence, communicate with the carrier, and negotiate the settlement based on your policy coverage.
The goal is usually the opposite: reduce back-and-forth by submitting organized documentation and a clear scope. Timelines depend on the carrier, but strong documentation helps keep things moving.
Yes, when appropriate. We help point out documented damages, clarify scope questions, and ensure the inspection reflects what's actually present at the property.
Save photos/videos of damage, receipts, repair invoices, temporary housing costs if applicable, and any communication with the carrier. If you have a contractor estimate, keep that too.
Do what's necessary to prevent further damage (temporary mitigation), but document everything first. For permanent repairs, coordinate timing so the full scope is recorded and supported before work begins.
Yes. We can review the carrier's estimate, compare it to the actual scope, and prepare additional documentation and supplements when warranted.
Typically, public adjusters are compensated based on a fee structure outlined in an agreement. During your consultation, we'll explain how it works and what to expect before you decide.
Not necessarily. If important items are missing or the scope is incomplete, the claim can often be supported with additional documentation. We help identify gaps and present a clear, evidence-based supplement.
Timelines vary by loss type, documentation needs, and carrier response. The best way to reduce delays is to submit a complete scope, photos, and supporting information early.
Prioritize safety, stop additional damage if possible, take photos/video, and start a notes log of what happened and when. Then request a consultation so we can guide next steps.