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.

Based in Lynn, Massachusetts, we have built our business on strong relationships in the insurance industry and advocacy for our clients. Our in-house staff of qualified and experienced adjusters respond quickly and efficiently to all your needs. It is our goal to provide the highest level of customer service for every business and residential client in which we are involved.

Meet the Team


Public Adjuster, Attorney at Law

Harvey has over 30 years of experience as a Public Adjuster and over 40 years of experience as an Attorney at Law. Harvey is a member of the Order of Malta and has served the Lynn community in many leadership roles including President of My Brother’s Table. Harvey holds a BA from Merrimack College and his law degree from Suffolk University.


President, Public Adjuster

Melissa handles large loss claims, taking a dual active role in communicating with clients and in negotiating directly with insurance companies with large property loss for commercial and residential real estate. First, by communicating frequently with her clients, they feel important and heard. Her approach is warm and reassuring, without compromising when getting what her clients need. Second, when interfacing with the insurance company, she is known for her ethical, timely, and transparent comportment. Her thorough understanding of personal property, pricing, estimating, and the insurance industry as a whole supports her ability to be a strong advocate for her clients. This positions her to work effectively with insurance companies, with the primary goal of a fair settlement on her clients’ behalf, in addition to supporting her strong business development capabilities.

She is passionate about educating her clients, as well. Never wavering in her mission to help them when faced with a dire situation, she takes the time to explain what they don’t know about insurance, strengthening client relationships.

Melissa is a resident of Marblehead and has over 25 years of business experience in sales, marketing, and human resources. She holds a BS in Psychology from Assumption College.


Public Adjuster, Licensed Contractor

Tim has over 30 years of experience as a licensed contractor. He has a strong knowledge of estimating software used in the insurance industry which makes his estimates second to none. He is known for immediately responding when disaster strikes and makes it a priority to meet with the family as soon as possible. By visiting the site, he can assess and photograph the loss, giving him the advantage of accurately submitting a claim, strengthening his advocacy on behalf of his clients.

As a licensed contractor, he has worked in every aspect of construction. This complements his ability when negotiating a fair deal for his clients, because he knows the costs of replacing what was lost.

Tim is a resident of Lynn. He is fluent in Spanish, written and verbal.


Treasurer, Public Adjuster

Joe has over 30 years of business experience in finance, operations, and negotiations. He is a resident of Swampscott and is active in the community, coaching high school baseball. His skills as a leader and communicator, along with his background and interests, combine to make him a valuable asset to our team. Whether he is networking or supporting clients dealing with a difficult situation, he is recognized as ‘the coach’ and clients, in particular, are reassured by his familiarity, knowing that drawing on his referral resources and mentoring is second nature to him.

Educating clients and helping them to understand the details of their insurance policy and what is covered is of paramount importance to him, so he can negotiate the best possible settlement. He will tell you that the greatest compliment he can get is when clients tell him that they cannot believe how helpful he was. To Joe, that is the best part of the business: helping clients get back on their feet.

He holds a business degree from the University of Massachusetts and has a strong background in building and construction.