Philip Maltaghati, United Public Adjusters & Appraisers, Inc.  (United Public Adjusters & Appraisers, Inc.) Real Estate Appraiser



Philip Maltaghati
United Public Adjusters & Appraisers, Inc.
location_on Melville, NY — United Public Adjusters & Appraisers, Inc.
Get to Know Philip Maltaghati

United Public Adjusters & Appraisers, Inc. are licensed and bonded property damage experts on loss adjustment and the recovery process and are employed solely by the policyholder. We assist you, the insured, in preparing, filing, documenting, appraising, estimating, negotiating, and managing the payment of insurance claims arising from frozen pipes, sprinkler failures, water overflow, hail, weight of snow, ice damming, fire, wind, mold, vandalism, theft, collapse, damage by adjacent construction, or business interruption from a covered loss. Our expert New York, New Jersey, and Connecticut public adjusters fiercely defend policyholders in their property damage claims. We don't work for the insurance companies; we work for you, the policyholder, to get what's rightfully yours. Whether you're a business owner with a commercial claim or a homeowner looking to settle a residential claim, our public adjusters will get you the settlement that you deserve. Our firm is on call 24/7/365 servicing property managers, portfolio managers, real estate owners, insurance agents, real estate brokers, attorneys, banks, international property owners, real estate developers, national franchises, financial advisors, homeowners associations, Condo and Coop Boards, non-profit organizations, religious organizations, restaurants, hotels, factories and office buildings. If you want a dedicated advocate who will provide unsurpassed representation, turn to United Public Adjusters & Appraisers, Inc. Contact us today for a free policy review and/or claim consultation at 1-800-641-LOSS (5677) or 646-369-3099.

5 Reasons Why You Need To Hire A Public Adjuster- United Public Adjusters & Appraisers, Inc.

Our team at United Public Adjusters & Appraisers, Inc. know how devastating property damage can be for building owners and that insurance companies often don’t live up to their word when it comes to settling property damage claims. Often times, property owners who have never dealt with insurance companies after damage occurs either settle for low-ball offers from an insurance representative or feel that they can fight with their insurance companies for more money on their own. In reality, insurance companies often have teams of their own adjusters and lawyers who are paid to make sure that those insurance companies are able to walk away paying policyholders as little as possible. Insurance companies are also known to make the process long and complicated to deter customers from fighting for the money they deserve. This has resulted in many property owners not receiving proper compensation for property damage they’ve experienced. However, the stress of not receiving proper compensation for losses and damages can easily be resolved by having a knowledgeable and experienced public adjuster on your side. Here at United Public Adjusters, under the leadership of Philip Maltaghati, we will go the extra mile to make sure that you’re getting the most out of your damage claim and will be available every step of the way for questions and concerns. Our adjusters are experienced professionals who know how to handle insurance companies and have helped countless property owners, from small businesses to million-dollar estates, receive maximum compensation for their losses and damages. Our firm negotiated over $100 million in insurance claim settlements, supplement settlements, and denied claim reversals from fires, floods, & mold damage to recent disasters like hurricanes and tornadoes. We helped many residential customers and business owners after Hurricane Irene, Hurricane Sandy, Hurricane Irma and Hurricane Ian. We are licensed in NY, FL, CT, NJ, PA, CA, TX, NC, SC, GA and more. If you or your client experiences Water Damage, Fire, Storm, Roof Leak, Collapse, Damage by Adjacent Construction, Vandalism, or theft, Contact United Public Adjusters & Appraisers, Inc. At 1-800-718-5677 (LOSS).


When you live and breathe your work like Philip Maltaghati does, success ultimately follows. For Philip, who started a career in the real estate and appraisal industry at early adulthood, success comes naturally, not just because he works extremely hard to please his clients; but because he genuinely loves his job! People call Philip the super-adjuster and he has handled over a thousand insurance claims throughout the last several years at the firm.

Philip is the most customer-oriented, work-intensive public adjuster in the business. He possesses unmatched dedication and knowledge with a particular focus on commercial claims, high net worth clients, and waterfront properties. Clients enjoy his personable, humorous style, and appreciate his honest practical opinions. Philip’s vast knowledge of the claims process allows him to cut to the chase & settle insurance claims in the most efficient, timesaving manner. Customers benefit from round-the-clock availability, and feel confident in his ability to re-establish their lives. When handling a claim, Philip goes the distance... and beyond.

Having grown up in the five boroughs, Philip has a deep appreciation of the city and its architectural diversity. He’s continually preoccupied with his work, and has gained particular recognition for his successful handling of claims, ranging from business, homeowners, and commercial claims. Constant referrals and repeat business are his reward for always going above the call of duty to fulfill his clientele’s needs. Contact Philip Maltaghati today to discuss your insurance claim!





When disaster hits home, you have your hands full. Our team of experts is available to help you put the pieces back together, prepare your residential insurance claim, and streamline the process for a fuller, faster settlement. Homeowners facing property damage have turned to UPA to help them rebuild their lives. 


As NY public adjusters, we work for you, advocating on your behalf, and never for insurance companies. When faced with an insurance claim, many homeowners just like you have asked the same questions: How do I estimate my loss? Will I recover enough to rebuild? Can I do this myself? Let our public adjusters remove your uncertainty and guide you through the claims process.


Our NY Public Adjusters can:

  • Conduct a comprehensive review of your homeowners policy;

  • Assist you in complying with your policy’s requirements;

  • Maximize your financial recovery with a proactive claim management strategy;

  • Conduct a thorough evaluation of your loss, carefully researching, detailing and substantiating every aspect of your claim;

  • Present and support an itemized claim package to your insurer;

  • Work as your advocate at all inspections and meetings with your insurance company;

  • Secure the best possible settlement in the shortest possible time frame

  • Communicate with you every step of the way.






We are available 24/7 to help commercial property owners during times of disaster. We have extensive experience in dealing with large and complex commercial property losses. Our team of expert commercial claims adjusters responds immediately and begins the undertaking of reviewing the commercial insurance policy, identifying and documenting damages, and developing a mitigation plan in order to ensure a fair and equitable claim settlement in the shortest amount of time.


Depending on the type of damage, our staff will arrange for trained professionals to extract flood waters, board up windows and doors, tarp the roof, or provide temporary lighting and plumbing repair services to protect the property from additional damages.


Types of Commercial Buildings include:

  • Factories

  • Motels and Hotels

  • Warehouses

  • Multi-Unit Buildings

  • Hospitals, Senior Healthcare Facility

  • Industrial Buildings

  • Schools and Universities

  • Financial Institutions

  • City/County Municipalities

  • Wholesalers, Distributors, Retailers, Manufacturers

  • Churches, Synagogues, Temples


We have the resources and expertise to thoroughly investigate your loss, accurately prepare, document and submit your insurance claim. It’s our mission to obtain a full, fair and expedited insurance claim settlement that is appropriately maximized within your insurance policy coverage.


Contact Us by phone/email for a Complimentary Insurance Claim Consultation.




United Public Adjusters & Appraisers, Inc. is able to provide loss documentation, local market expertise and a total costs analysis as well as mitigation management services. We will be your institution’s all-inclusive loss recovery solution.


In addition to the services provided with claim handling, these additional services are provided to our institutional clients:


  • Initial site inspection within 2 hours of loss notification

  • Institution specific reporting formats

  • Loss recovery strategy analysis

  • Progression reporting

  • Mitigation management


As experienced NY public adjusters, we understand the claims process and have all the resources to help you recover your claim.  Our knowledge of the insurance policy, claims process, and field experience have yielded us a longstanding positive reputation in the industry.


NY Public adjusters work exclusively for the policyholder. This means there should be no inherent conflict of interest when it comes to advocating on the policyholders behalf to the insurance company.


CALL US at 800.718.LOSS




If your business is unable to remain operational due to a covered insurance claim, you are going to need expert help from the most aggressive and intelligent public adjusting firm. 


NY Business claims are stressful! It is our job to substantiate your claim and get your business back to being fully operational immediately! As some insurance carriers are quick to minimize claims in an effort to keep the insurance company solvent, our firm is here to prove and maximize your claim for every dollar you are entitled to!


If an extensive loss has occurred, we will submit a business interruption claim so that you will be reimbursed for the loss of income during the time in which the business has to temporarily close.


Business Claims include, but are not limited to:

  • Food establishments such as taverns, restaurants, bakeries, pizzarias

  • Retail stores such as electronics, pet stores, boutiques, gift shops

  • Service esteablishments such as auto body, dry cleaners, gasoline stations

  • Franchises

  • Manufacturers

  • Distributors



Philip Osattin
United Public Adjusters guided us through a very difficult time, advocating and pushing so that we were able to get what we were entitled to in a reasonable timeframe. From day one they have been available, responsible, responsive and provided caring and much more than competent representation. We dealt with four people at United, all equally helpful in preparing and guiding us through some very tough times. Suffice to say, we never felt alone in this process, which is almost as important as the results obtained. They've been with us from taking pics of and cataloguing the scene and property through the final payout of the claim. Whatever they said would happen happened as they stated. Oh, and their fee is reasonable.
Rob civitano jr
Philip, Colleen and the entire team are incredible. They took the time to listen to our issue, learn everything they could about our policy and fought to ensure that the insurance company did not misrepresent the problems to the house. They were in constant contact with us, constantly following up with the insurance company and held our end through every step of the process. We are very grateful for their help!
Mary Chaglassian
We were unfortunate to be inflicted by a bad water damage in our basement when hurricane Ida hit Forest Hills, Queens. Luckily , United Public Adjusters & Appraisers came to our rescue with Philip Maltaghati and his team of appraisers and adjusters. They were prompt to address our losses with a well experienced and knowledgeable cru. Philip directed the whole situation with knowledge and professionalism. We remain very satisfied and thankful for their help which led to a successful settlement with the insurance co. We highly recommend him and his team for their excellent services.
Scott Zemachson
We live in Scarsdale, NY and had water damage from Hurricane IDa. Philip Maltaghati and his team from United Public Adjusters were incredible. They were reliable, and ran point in making sure our family was taken care of. Their insurance knowledge was 2nd to none and fierce negotiations allowed our family to be fully covered and to help replace our basement and have it renovated its original condition. I wouldn’t think twice about recommending them to anyone.
Vitaly Tropp
I had an extensive fire damage to my house in Old Greenwich, CT. I interviewed a number of adjusters and choose United Public Adjusters & Appraisers to present my claim to insurance company. Philip Maltaghati, the licensed Insurance Adjuster, and his team were very detailed oriented by appraising the damage and responsive to work with. Thanks to their professionalism, deep knowledge and persistence every lost dollar was released by the insurance Company. Thank you, guys.
Chris Magdelinskas
The team at United Public Adjusters really came through for us when we suffered fire damage on our New Jersey home. Being new to the homeowners insurance claim process (thankfully), Philip and his team came in, provided direction, and secured the right resources to ensure that we were taken care of from day 1; from small issues like lining up lodging to larger ones that arose in securing the real value that it would cost to repair the home vs the initial amount offered buy insurance that was way underbid. The team combed the policy to ensure that we were compensated for the full policy value where appropriate, including items we never even would have thought of as homeowners. We can't thank them enough for navigating the claims process so we could focus on repairing and returning to our home.
Jeff Jacobson
Our family home in Scarsdale, NY (Westchester County) had a fire that destroyed the house and mandated evacuation. We needed a public adjuster to help us with the insurance claim. Philip and his team were professional, dedicated and easy to deal with. They got us everything we were entitled to from the insurance company. It is a top-notch operation and its staff care about their clients.
Santa Sgarlato
I highly recommend Philip Maltaghati and United Public Adjusters . After a raw sewage / water back up left my home in Manhattan completely unlivable , Phil and his professionalism came to the rescue . His calming demeanor and expertise allayed my fears . I would not have been able to accomplish my settlement without him . Phil ended up working hand in hand with my attorneys , (who I had to hire after my Insurance company refused to pay ), they used all his work product , including-detailed estimates of damage , his earlier tough negotiations and months of correspondence to draft the complaint that finally got them to settle ! He responded to emails promptly and picked up the phone when called . His knowledge of insurance is unparalleled . Not having to speak to the insurance company is reason enough to hire Phil ! I can’t thank him enough and did I mention he is also a gentleman ? Thanks Phil !
Nancy pennings
We are very grateful for United Public Adjustors and Appraisers. They were extremely knowledgeable and so helpful at a time when we were completely distraught. We are very happy we went with them, they are definitely worth every penny. When We lost everything in a devastating fire, Philip Maltaghati and his associates, Ryan Casali, James Southard and Anthony DeLorenzo were there in less than 24 hours. They were there for us every step of the way and knew about all the money we were entitled to and made sure we received it. We had no idea about policy limits but they do and they made sure we received them. They were available to us 24/7 if we had any concerns or questions. They had staff help set us up with a rental while we rebuilt our home. There was so much we knew nothing about. Thankfully Phil and his staff at United Public Adjustors and Appraisers are very experienced and reliable and knowledgeable and made sure we received everything we needed and were entitled to. I cannot say enough good things about them.
Kirubel Teshome
Philip is not only extremely knowledgeable but is also a truly genuine person who cares about the outcome for his clients. We have been dealing with a huge fire and he has been a tremendous resource that we are very grateful for. If you need a PA - look no further.
Charles Sommers
This was my first insurance claim. It was an accidental fire. Michael arrived and I just watched in admiration and appreciation. He saw things that I wouldn't have thought to include. He got me at least 4x as much as I guessed the repairs would be. Working with Michael and James was money very well spent and they earned every bit. I'm indebted to United Public Adjusters for leading me through the difficult process. I highly recommend them. Work is still ongoing, but here are before & after photos of the front porch where the fire started.
Marc amatucci
United Public Adjustors led by Philip Maltaghati and accompanied by his dedicated staff made every aspect of a flooded basement with extensive water damage a seamless experience. We are located in Rutherford, NJ and contacted Philip on a holiday in which he immediately went to work for us literally taking the stress of the incident off our shoulders with his expertise and individualized care for us (his clients). We experienced the same level of care and expertise throughout the entire process. On more than one occasion we contacted Philip with questions after hours and on weekends and each time he exceeded our expectations. This man and his staff know every aspect of insurance and give you the piece of mind you need during a stressful time. If you have a similar need I can say with 1000 % confidence bar none that Mr. Philip Maltaghati and United Public Adjustors will meet and surpass your every need during the entire process.
Aziz El-Tahch
Last year, our newly-purchase Manhattan (Upper West Side) condominium was severely damaged by a substantial water leak (more like a flood) from an apartment above us before we were able to move in. 1/3 of our apartment was destroyed, including custom cabinets, the wood flooring, mechanicals and electrical panels, and an entire bathroom. We didn't know where to turn, as we had never experienced anything like that before. Our insurance company was less than helpful (completely unresponsive) at first. After careful research, my wife discovered United Public Adjusters online, so we gave Philip Maltaghati a call. He was super responsive, and walked us step-by-step through the damage documentation process. He helped us find the best water remediation firm in the city, and they were at our apartment within 24 hours with fans and dehumidifiers. (Our building management company said it would be at least 3 days before they could have dehumidifiers there.) Throughout the process, he was relentless in documenting the damage and negotiating with our insurer to make sure we received the appropriate amount of reimbursement for the extensive damage we sustained. Phillip and his partner, James Southard, were super responsive, communicative, and tenacious throughout the process. We couldn't have done it without United Public Adjusters, and I can unequivocally recommend them.
Injeet and Teresa Kissoon, Richmond Hill NY
“I have to say, I am very satisfied with ALL the expertise, customer service, knowledge and negotiation skills Philip Maltaghati has given to my family during their ordeal. As for customer service, Phil was always available and willing to assist beyond the usual 9 to 5 schedule, which MANY of us have. His knowledge and negotiation skills were greatly appreciated because it conferred us with peace of mind and confidence at a time we had none, so thank you. We were definitely in the right hands with Phil and his team. Thank you for all your assistance, it really made our ordeal a lot easier to deal with.”
Scott Agulnick, Great Neck NY
“As an attorney whose focus is on insurance claims, I have observed first hand their knowledge, character, and dedication to their clients. I highly recommend.”
Kevin Graham, New York NY
“Special thank you to the gentleman at United Public Adjusters, especially Michael Maltaghati for his diligent work on my Mother’s behalf. After suffering a stroke, my mother’s house was devastated by an electrical fire! Michael went above and beyond in working on her behalf to make sure she was compensated and made whole after such a tragic event. Thanks again.”
Brenda Lee, Woodhaven NY
“Our case was handled professionally and swiftly. My husband and I were kept informed of the status as we went through the process. United made sure we were given fair and effective treatment by our insurance company. You’ve proven to be very knowledgeable!” ​
Vincent Dravinese, Rockaway Park NY
“The service was excellent and the negotiation skills were perfect! United is very professional!” ​
Robert and Patricia Fitzsimmons, Rockaway Point NY
“At a time when we were overwhelmed with all the damage to our home, Phil helped us greatly. He did all te work contacting the insurance companies. He was always available if we needed any questions answered. If anything happened to us in the future (and hopefully not), we would, without a doubt, call Phil Maltaghti at United Public Adjusters. I cannot say enough about them. We will ALWAYS be grateful to them.”

NY Public Adjuster - Property Damage Claim Experts - United Public Adjusters & Appraisers Inc. "Helping Those With Property Damage Claims" Phone:646-369-3099