Ohio Public Adjusters Fighting for Fair Insurance Settlements Since 2004
Headquartered in Seven Hills, Ohio (Greater Cleveland), serving property owners statewide — with active offices in Florida, Texas and Louisiana. Don't let your insurance company underpay your claim.
Founded by a former licensed General Contractor
We know exactly how buildings are built — so we document the damage other adjusters miss and prove what repairs actually cost. That contractor's eye is the difference between a lowball offer and a full, fair settlement.
What Is a Public Adjuster?
When you file an insurance claim, your insurance company sends their adjuster to assess the damage. That adjuster works for the insurance company, not for you.
A public adjuster is a licensed professional who works exclusively for the policyholder. We inspect your property, document all damage, prepare detailed estimates, and negotiate with your insurance company to ensure you receive the full settlement you're entitled to.
With David Hogan's background as a general contractor, we bring construction expertise that most adjusters lack. This means we catch damage others miss and understand the true cost of repairs.
Meet David HoganInsurance Company Adjuster vs. Public Adjuster
Their adjuster works to minimize what the insurance company pays
Your public adjuster works to maximize what you receive
Their adjuster may miss or overlook damage
Your public adjuster documents every detail with professional equipment
Their adjuster uses the insurance company's pricing
Your public adjuster prepares accurate estimates using Xactimate
Why Property Owners Choose Utopia
Three reasons our clients trust us to fight for their settlements
Contractor Expertise
Founded by a former General Contractor, we see damage that typical adjusters miss — because we know exactly how properties are built and what repairs actually cost.
We Work for You — Not the Insurer
The insurance company's adjuster protects their bottom line. We protect yours. Every estimate, every report, every negotiation is done with your maximum settlement in mind.
No Recovery, No Fee
We work on a contingency basis. If we don't increase your settlement, you don't pay us anything. There's zero risk to you — only upside.
Our Services
Comprehensive insurance claim support from inspection to settlement
Public Insurance Adjusting
Settling insurance claims on behalf of property owners to maximize your settlement.
Learn MoreAppraisals
Property damage appraisals for insurance disputes and claim valuations.
Learn MoreEstimating
Damage cost estimation using Xactimate, the industry-standard claims database.
Learn MoreFile Review
Reviewing existing insurance claim files and reports for missed opportunities.
Learn MoreDamage Reports
Thorough, contractor-grade documentation of all property damage.
Learn MoreHow It Works
From your first call to your final settlement, here's what to expect
Free Consultation
Call us or fill out our contact form. We'll discuss your situation and explain how we can help, all at no cost.
Property Inspection
Our team conducts a thorough inspection using thermal imaging, moisture detection, and 3D scanning technology.
Claim Preparation
We prepare a comprehensive damage report and Xactimate estimate, then file or supplement your claim.
Settlement
We negotiate with your insurance company to ensure you receive the maximum fair settlement for your claim.
Professional-Grade Technology
We invest in the same tools used by professional contractors and engineers — because thorough documentation is the difference between a fair settlement and an underpaid claim.
of property claims use Xactimate — the software we master
Matterport scanning creates court-admissible property documentation
FLIR cameras detect hidden moisture damage invisible to the naked eye — damage that would otherwise go uncompensated
Coverage Area
Our Main Office Is in Seven Hills, Ohio
Serving Ohio property owners statewide from our Seven Hills headquarters in Greater Cleveland, with active offices in Florida, Texas and Louisiana
Ohio
Main Office
Florida
Active Office
Texas
Active Office
Louisiana
Active Office
California
Coming Soon
Licensed In
OH
Ohio
Lic. #1427588
FL
Florida
Lic. #W807212
GA
Georgia
Lic. #3865858
LA
Louisiana
Lic. #969510
TX
Texas
Lic. #1549971
CT
Connecticut
Lic. #3952857
WI
Wisconsin
Lic. #3952857
CA
California
Lic. #4445935
What Our Clients Say
We've helped over 22,000 property owners get the settlements they deserve
"After my insurance company offered a fraction of what I needed for repairs, David's team stepped in and got me a settlement that actually covered everything. I couldn't have done it without them."
Homeowner
Ft. Myers, FL
"Professional, thorough, and they genuinely care about their clients. They found damage that two other adjusters missed. Highly recommend."
Property Owner
Houston, TX
"From the first phone call to the final settlement, they handled everything. The 3D scanning and thermal imaging they used was incredible. It showed damage we never would have found."
Homeowner
New Orleans, LA
Don't Settle for Less
Get a free consultation and find out what your claim is really worth
