Water Damage

Water damage including catastrophic flooding, water pipe damage or sewer disasters can cause widespread losses throughout a home or building from the rotting of wood to destructive rusting of metal on your commercial or residential appliances, not to mention the loss of furnishings and personal property that can be soaked or swept away. Careful inspection of a residential or commercial property, especially its hidden and hard-to-access areas such as crawl spaces, needs to be thoroughly conducted so that problems do not arise down the road. Panakio Adjusters can access the damage and determine estimates to repair or replace all aspects that were destroyed or impacted by water damage.

The Panakio Process

Evaluate and analyze the policy coverage.


Assemble a team to discuss the claims process with the policy owner.


Coordinate with demolition and boarding companies to safeguard the property.


Assess the damage of a residential property by taking a detailed inventory of personal furnishings, equipment, appliances, fixtures and furniture.


Assess the damage of a commercial property by taking a detailed inventory of machinery, technology, equipment, and furnishings. We also evaluate the loss of sales, income, and determine business interruption losses.


Estimate the cost of repairs and replacement pieces needed at the property.


Determine the value of the loss and compare it to the estimates of the insurance company.


Represent and negotiate on behalf of the owner in settlement hearings and meetings.


What our clients are saying

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!

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.

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.

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,

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!

Daniel P.

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

Lori A.

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

John N.

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

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.