Licensed public adjusters, on your side of the table.

Key Adjusting is a public adjusting firm based in Front Royal, VA. We represent homeowners and contractors against insurance carriers on property damage claims — roof and storm, water, fire, and denied or underpaid claims — across Northern Virginia, Maryland and West Virginia. When you call, you reach a licensed public adjuster, not a call center.

Why a public adjuster?

When you file a claim, the insurance company sends an adjuster to assess the damage and write the estimate that determines your payout. That person is paid by the insurer. A public adjuster is licensed by the state to represent you instead — reading your policy, documenting the loss independently, and negotiating on your behalf.

We're only paid out of the settlement, and only if we increase it. That keeps us aligned with exactly one person: you.