Property Claims Adjusters

Property Independent Adjusters Services

Property Claims Adjusters

Fort Orange Claim Service has experienced, knowledgeable insurance adjusters ready to assist you with your property claims when you need us.

We offer prompt, timely response and continuous communication until they resolve your claim. 

Types of Property Insurance

Practically any property owned qualifies for some type of property insurance. Of course, home owners buy home owner policies. 

Renters buy renter protection policies which cover their personally owned contents in the house or apartment. 

Home owners may purchase additional home coverage policies to protect against potential dangers of loss like floods and earth quakes. Each of these added protections offers specific damage or loss payouts to policy holders. 

Commercial Lines

Commercial lines offer the business community property protections. Doing business in the public domain invariably leads to claims of personal harm or loss at the fault of that business. Claimed damages are usually based on alleged negligence. 

Additionally, commercial property policies offer protection if actual physical loss of the structure and/or its contents occurs. 

Personal Lines

Generally, these policies cover home and contents losses which may be too expensive for the owners to personally afford to replace. 

They also offer personal liability protection from claims which may result from an injury or personal loss while on the owner’s property. 

Loss of use and additional structures separate from the main dwelling are also covered depending upon the specific needs of the purchased policy. 

Large Losses

Large loss insurance is one of the most contentious kinds of personal insurance. There is frequently an issue between the insured loss and actual loss between the policy holder and the insurance company. 

Losses named in these policies are specific in scope; therefore, they are limited in what they pay and how much. Fort Orange Claim Service is adept and knowledgeable about handling these sometimes sensitive settlements. 


Major insurance carriers define property catastrophe as an extremely devastating loss to more than one individual and costing in excess of 25 million dollars. 

They include major weather events, fires and even acts of terrorism which claim many lives and do widespread property damage. 

Over the last 20 years, just under 40 percent of property catastrophes were weather-related. We were adjusters for many of these 
Catastrophic health insurance is the other form of catastrophe protection. We are well-versed in these cases as well. 

Inland Marine

Inland marine insurance covers a wide assortment of property protections. The role of custody, mode of transportation, communication towers and even bridges and piers are all components of underwriting this policy protection. 

It too has two types: personal and commercial, and they both insure property that is being relocated. 

Flood Insurance

FEMA defines a flood as an overflow of inland waters, or an unusual, quick accumulation of runoff water or mud.

Property location and its proximity to flood plain pretty much determines pricing for these policies. Costs fluctuate depending upon whether you live in a high risk area. 

Here again, Fort Orange Claim Service has the experience and professionals in place to help with flood insurance.


FOCUS completes acquisition of J.R. Farnham Claim Service, LLC

Published on: August 21 2019

FOCUS completes acquisition of J.R. Farnham Claim Service, LLC

Exciting news in the independent insurance adjuster world. On August 16, 2019, Joseph R. Farnham, Jr. AIC  was formally named…

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FOCUS Makes the list of AM Best's Recommended Independent Insurance Adjusters 2019

Published on: February 27 2019

FOCUS Makes the list of AM Best's Recommended Independent Insurance Adjusters 2019

The Fort Orange Claim Service, Inc. team is proud to have made the cut and be included in the list,…

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Latest Industry News

Published on: April 01 2018

Fort Orange Claim Service, Inc. ensures that our independent claims adjusters are always up to date and knowledgeable.  Continuous training…

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635 Plank Road
PO Box 447
Clifton Park, NY 12065

Phone: 518-383-2102Fax: 888-667-7292

12 locations throughout North East

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