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An advocate for Kentucky policyholders

The adjuster your insurance company sends works for the insurer. A public adjuster works for you — the property owner. UPA independently inspects and documents your loss, applies the coverages in your policy, and negotiates with the insurance company to pursue the settlement your policy owes.
UPA is licensed to serve policyholders in Kentucky. We are a 501(c)(3) non-profit public adjusting firm, and we never take a penny out of a property or business owner's pocket — our fee is covered by the overhead and profit built into the insurance settlement itself.

Claims we see in Kentucky

Kentucky sits in the path of violent tornado outbreaks and flash flooding — catastrophic losses where the gap between the first estimate and the real cost of rebuilding can be widest.
Tornadoes
Wind damage
Flooding
Winter storms

Denied or underpaid? That is our specialty

A denial or a low offer is the insurance company's position — not the last word. UPA reviews your denial letter and policy, builds the documentation the insurer says is missing, and re-presents the claim. Where appropriate, previously settled claims can be reopened and supplemented.

Kentucky FAQ

Is UPA licensed in Kentucky?

Yes — UPA is licensed to serve policyholders in Kentucky. We are a 501(c)(3) non-profit public adjusting firm, and we represent property owners — not insurance companies — throughout the claim process.

What does a public adjuster cost in Kentucky?

Nothing out of pocket. With UPA, we never take a penny out of a property or business owner’s pocket — our fee is covered by the overhead and profit built into the insurance settlement itself, and the recovered funds stay in your control. As a 501(c)(3) non-profit, our interest is aligned with getting you the full settlement your policy owes.

What types of claims does UPA handle in Kentucky?

Common Kentucky losses include tornadoes, wind damage, flooding, winter storms. We also handle water, fire and smoke, theft and vandalism, and commercial property claims — including claims that have already been denied or underpaid.