Lacovara Public Adjusters

What They Do

Water DamageFire and SmokeStorm

• water damage insurance

In Their Own Words

Lacovara Public Adjusters is a licensed & bonded public adjusting firm serving property owners throughout New Jersey since 1990. We represent homeowners, businesses, landlords & property managers in residential & commercial insurance claims. Our experienced public adjusters help with water damage, fire damage, storm damage, and other property losses by reviewing policies, documenting damage, preparing detailed estimates & negotiating directly with insurance companies. We work exclusively for policyholders—not insurance carriers—to help ensure every covered loss is properly evaluated & fairly settled. From the initial inspection through claim negotiation & settlement, our team provides personalized guidance every step of the way.

Written by the business on its public profile. We have not verified these claims.

Before You Call Lacovara Public Adjusters

1. Do you take moisture readings every day and will you give me the drying log?
2. Are your technicians certified in water damage restoration?
3. How will you deal with smoke odor inside wall cavities and the HVAC ducts?
4. Do you do contents pack out, and will I get an itemized inventory?
5. Where is your company based, and how long have you worked here?

Ask for a New Jersey home improvement contractor registration and look it up with the Division of Consumer Affairs. Also ask for proof of insurance and industry certification for the restoration crew.

How Their Reviews Break Down

Counts from public listings as of September 23, 2026. A handful of reviews says less than a few hundred.

Read This While You Wait

• DIY with careWhat to Do in the First 24 Hours After Water DamageAn hour by hour plan for the first day after water damage. Make it safe, stop the source, document, remove water and start drying before mold can start.
• Call a proThe First 48 Hours After a House FireWhat to do in the first two days after a house fire. Safe re-entry, utilities, insurance calls, securing the home, food, medicine and what never to clean.
• DIY with careEmergency Roof Tarping After a StormHow to tarp a storm damaged roof safely, what to buy, how far the tarp must run, how to fasten it so wind cannot lift it, and when to leave the roof to a pro.
• DIY friendlyWasher, Dishwasher, Fridge and Toilet Supply Line LeaksHow washer hoses, dishwasher lines, ice maker tubing and toilet supply lines fail, how to clean up each kind of leak, and how to replace a line yourself.