Welcome to Adjusters International

Founded in 1985, Adjusters International (AI) is a national leader in public insurance adjusting. We are proud to have more senior and certified public adjusters than any other organization of our kind. AI works exclusively for the policyholder to ensure maximum results from first-party property insurance and FEMA disaster recovery claims. Our singular focus is our clients' financial recovery in the aftermath of a devastating property loss.

Adjusters International has the experience, expertise, and resources to thoroughly investigate your loss; accurately prepare, document and submit your claim; and get a full, fair and timely settlement.

Our regional offices are located in:

Our Leadership


Patrick W. Bickford, SPPA
Golden, Colorado

President & CEO of AI-Colorado, Inc., a Founder and Director of AI, and a public adjuster with more than 35 years of experience in commercial & government property loss adjustment.


Jim Beneke, SPPA
Austin, Texas

A founding member of Adjusters International and third-generation public adjuster with 36 years of experience, primarily in commercial & multi-family property insurance claims.


Luis Esteves
Dallas, Texas

Regional Director with 20 years of experience beginning in the construction industry and currently as a public adjuster.


Bruce Kabat
Golden, Colorado

Chief Operating Officer of AI-Colorado, Inc. with more than 12 years of experience as a public adjuster.


Hal Arnold
Houston, Texas

Regional Director & Executive General Adjuster with the AI team for nearly 30 years.


Karl Denison Elected as President of NAPIA

Karl Denison, C.P.P.A., Executive Vice President and Principal of Goodman-Gable-Gould/Adjusters International (GGG/AI), has been elected as President of the National Association of Public Insurance Adjusters (NAPIA) for 2014-2015. ...

Karl Denison, C.P.P.A., Executive Vice President and Principal of Goodman-Gable-Gould/Adjusters International (GGG/AI), has been elected as President of the National Association of Public Insurance Adjusters (NAPIA) for 2014-2015. Since joining NAPIA in 1983, Denison has served on numerous committees and has taken many leadership positions within the Association, most recently serving as First Vice President for the past year. As President, Denison will be active in all facets of NAPIA, including the legislative, education and membership committees.

As a licensed public adjuster, Denison has been handling property insurance claims on behalf of policyholders since 1982. He attained the designation Certified Professional Public Adjuster (C.P.P.A.) from NAPIA in 1990. In addition to his role as Executive Vice President of GGG/AI, Denison is also the GGG/AI Catastrophe Team leader and in this capacity organized their response to many large property loss events, including the 2004 hurricanes Charley, Frances, Ivan & Jeanne; the 2005 hurricanes Katrina and Rita; the 2008 hurricanes Gustav and Ike; and Super Storm Sandy in 2012.

Over the past 63 years, three generations of GGG/AI principals have served in leadership roles within NAPIA, starting with William Goodman—founding member of GGG/AI—who served as the first NAPIA President from 1951-1957. Since then, six others from GGG/AI have served: Norman Goodman, Myron Schwartz, William R. Goodman, Harvey Goodman, Randy Goodman, and now Karl Denison. From the very beginning of NAPIA, GGG/AI has worked hand in hand with the Association to create continuing education opportunities for its members, to support legislation regarding licensing criteria, and to elevate the public adjusting profession as a whole.

“I am pleased to be voted in as President of NAPIA,” says Denison. “This is a very high honor, especially considering I have been elected by my peers, and in some cases my competitors, in the public adjusting field. I look forward to serving all the members for the next year.”

Founded in 1951, the National Association of Public Insurance Adjusters promotes the highest standards of professional education, conduct and ethics in the field of public insurance adjusting. NAPIA’s members are committed to working in the best interest of their client—the policyholder—and to conducting business with honesty and integrity.

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Should You Hire a Public Adjuster for Your Commercial Claim?

The Following Signs Point to Yes With business interruption and supply chain losses accounting “for around 50-70 percent of all insured property losses, as much as $26 billion ...

The Following Signs Point to Yes

With business interruption and supply chain losses accounting “for around 50-70 percent of all insured property losses, as much as $26 billion a year based on 2013 data” and insured losses from natural catastrophes totaling “about $38 billion in 2013,” according to an article in the Claims Journal,1 companies are experiencing more property losses than ever before.

If you are a business owner, filing an insurance claim may be the last thing on your mind after a storm strikes your office building or your business burns down. You are more likely to be concerned with finding a safe place for your employees to work and with making sure that your customers are still receiving the products and services that they have been promised.

Fire Damage

However, once the initial shock passes and you make that initial call to your insurance company, then you may soon find that you are in over your head. Filing an insurance claim is a long, arduous and time-consuming process. Many business owners and their staff members do not have the time or expertise to complete the required paperwork and gather back-up documentation needed to properly file their claim.

Public insurance adjusters can help

Working on behalf of the insureds, the public adjuster’s goal is to get the highest possible amount due under the terms of the insurance policy (including reimbursement for costs such as lost income, business interruption, buildings, equipment, computers, paper files, etc.) in order to restore your business to where it was before disaster struck.

But, how do you know if hiring a public adjuster is the right decision for your business’ insurance claim? If your business is faced with any of the following, it may be a sign that you need a public adjuster.

  1. Expensive Repairs – You receive an estimate for repair work that falls somewhere between your deductible and your maximum policy amount.
  2. Business Interruption – You are losing money each day from lost sales or delivery of products and services.
  3. Short-Staffed – Your business and/or accounting department does not have the personnel to complete and compile the required paperwork and documentation.
  4. A Total Loss – The damage to your building or property is so significant that it needs to be rebuilt from scratch.
  5. Tenants – Sections of your property are leased by or rented to other business owners.
  6. Mechanical Breakdown – Expensive equipment used to manufacture the products that you sell was damaged and will need to be repaired or replaced.
  7. Relocation – You will need to rent another building or office space while your current property is being restored.

AI’s Director of Consulting Operations, Greg Raab, notes that property insurance claims present a unique challenge to business owners trying to work without the help of their own team of insurance experts.

“Most business owners are too busy keeping their businesses running after their property is damaged to deal with complicated claims processes. Even larger companies with support staff who can assist with gathering the required documentation, may not have the expertise needed to negotiate the full payout owed under the company’s insurance policy,” states Raab. “By hiring an experienced public insurance adjuster, business owners and their staff can focus on what’s really important — providing the best products and services to their clients.”

1Allianz. Business Interruption, Supply Chain Among Top Business Risks for 2014: Allianz. Claims Journal, 01/14/2014.

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