Was your home or property recently damaged?
Whether fire, flood, theft, vandalism or special circumstances; Don’t worry, we can help.
Avoid the hassle of dealing with your insurance company alone.
Panakio Adjusters will be with you every step of the way.
Public adjusters work for you, not your insurance company.
At Panakio, our negotiating skills are second to none, we advocate for you.

About Panakio Adjusters

Panakio Adjusters is a full service Public Adjusting firm that has been family owned since 1937. We are experts in our field of negotiating and settling insurance claims on behalf of the insured. We work for you and advocate for you throughout the entire claims process.

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What do public insurance adjusters do?

The seasoned insurance adjusters at Panakio Adjusters assemble an in house team of estimators, contractors and content specialists who guide homeowners and business owners through the process of filing an insurance claim after the tragedy of a fire, flood, theft, vandalism or act of nature. Public insurance adjusters, unlike adjusters hired by the insurance company, have the homeowner’s best interest in mind. Panakio Adjusters will guide you from the moment the event occurs until the settlement is resolved.

Why can’t I use the adjuster through my insurance company?

It is correct that insurance companies do have their own insurance adjusters that can assess damage and make estimates for repairs and restoration. Unfortunately, adjusters that are hired by the insurance companies are working for (and looking out for the interests of) the insurance company - not the insured. The advantage of retaining a public adjuster is that they are representing the interests of the policyholder only.

How does the process work?

Our own in-house team of building estimators, licensed contractors and personal property content specialists start the process by analyzing your policy coverage. We coordinate with demolition and boarding services to be sure your property is safeguarded, then assess the damage with a detailed inventory. We then compare our estimates to that of the insurance company. With this knowledge and our years of experience, our claims experts negotiate with your insurance company like no other to get you the best possible settlement.


Fire & Smoke Damage

Fire damage can impact many aspects of your commercial or residential property. We assess the damages caused by the fire, soot, and smoke and negotiate on your behalf and in your best interest with your insurance company.

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Water Damage

Water damage causes widespread losses throughout structures including wood rot, rusting metal and the growth of mold and mildew. Panakio Adjusters can assess the water damages including hard-to-reach places in your home or business and detail an estimate of repair or replacement.

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Specialty Claims (Other)

Panakio Adjusters has over 80 years experience dealing with the worst that Mother Nature, criminals and vandals can dish out on business and personal properties. If you have damage caused by a theft, vandalism, or even tree destruction we can assess the damages and negotiate with your insurance provider for the best possible settlement.

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From the blog

"Welcome to Panakio.com!"

Welcome to Panakio.com!

Panakio Adjusters was founded in 1937 during a time when there weren’t any smart phones, ipads, insurance software or the internet. The fact that we are launching our new website is such a great milestone for us! We…
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What our clients are saying

Jean M.

I had no idea what a Public Adjuster was until I had a fire in my historical home in Winchester. I never could have made it through this with the detailed estimates and emotional support from Panakio Adjusters.

Lori A.

Thank you so much for your help! I would recommend you to anyone I know who has a disaster!

Kevin C.

I called Melissa after we lost everything in a house fire. With her calm presence, she took control of the situation, worked with our insurance company, and kept us apprised every step of the way. Within two weeks, we had our claim settled. I cannot recommend Panakio Adjusters enough!

John N.

Panakio Adjusters is hands down the best PA firm on the North Shore. Call Panakio first!

Mary L.

Thank you so much for all of your hard work! I can’t imagine dealing will all of the aspects of my insurance claim without Panakio Adjusters.

Judy M.

Not only did Panakio guide me through the claims process, they also assisted me with temporary housing which made all to difference while we were waiting for our home to be repaired,

Camille D.

I was more than satisfied with the hard work Tim Lehr did to make a stressful disastrous situation a walk in the park. I sat back while Tim handled it all and didn’t settle until he was satisfied. My one regret is that I didn’t call Panakio for my ice damage last winter. Thank you Tim for a job well done!

Daniel P.

I don’t know how I would have resolved my insurance claim without the advocacy of Panakio Adjusters.

Lori P.

If you hire Panakio Adjusters, you are in great hands. We are so grateful to them for helping us through our own fire tragedy.

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