Stephen Hnat & Associates - Public Adjusters

What They Do

Water DamageFire and SmokeStorm

• Public Adjuster
• Insurance Claim Appraiser
• Insurance Claim Umpire
• Large Loss Consultant
• Independent Claims Adjuster
• house insurance claim advice
• house insurance claim advocate
• house insurance claim help
• house insurance claim expert
• home insurance claim advice
• house insurance claim
• home insurance claim help
• home insurance claim expert
• pittsburgh public adjuster
• Fire Damage Insurance Claim
• Water Damage Insurance Claim
• Commercial Insurance Claim
• Denied Insurance Claim
• Underpaid Insurance Claim
• Apartment building insurance claim
• Insurance Claim Representation
• Roof Damage Insurance Claims
• Chimney Fire Insurance Claim
• Storm & Wind Damage Claims
• Insurance Claim Negotiation
• Delayed Insurance Claims
• Low Insurance Settlements
• Reopened Insurance Claims

In Their Own Words

We are Pittsburgh’s largest public adjusting firm, proudly based in Pittsburgh and dedicated to representing homeowners and businesses—not insurance companies. When fire damage, water damage, storm damage, roof damage, or property loss occurs, we fight to maximize your insurance claim settlement. Our licensed public adjusters handle residential and commercial insurance claims from start to finish, including denied, delayed, and underpaid claims. Insurance companies protect their bottom line—we protect yours. As a Pittsburgh-based public adjusting firm, we know local properties, insurers, and policies, and we aggressively document damages and negotiate to recover every dollar you are owed.

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

Before You Call Stephen Hnat & Associates - 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 the contractor’s Pennsylvania home improvement registration number and check any license your city or borough requires. Also ask for proof of insurance and industry certification for the technicians.

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.