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.








Resources For Texas and Oklahoma Flood Victims

Many residents of Texas and Oklahoma were caught off-guard this week when deadly floods ravaged homes and businesses across both states. Our heartfelt sympathy goes out to those ...

Many residents of Texas and Oklahoma were caught off-guard this week when deadly floods ravaged homes and businesses across both states. Our heartfelt sympathy goes out to those who have watched their buildings and belongings wash away. We have compiled some resources that we hope will be helpful to those home and business owners who have been adversely affected by the storms:

After the floodwaters have cleared, many families and businesses will be dealing with extensive rebuilding and repairs for months to come and that rebuilding will not come cheaply. According to FloodSmart.gov, floods are not only the nation’s #1 natural disaster but they are also extremely expensive stating that, “From 2008 to 2012, the average flood claim amounted to nearly $42,000.”

According to Bruce Kabat, Chief Operations Officer at Adjusters International Colorado (with offices in both Texas and Oklahoma), the NFIP flood claim filing process can be extremely complicated, requiring an extensive level of detail regarding the scope of loss.

Our hearts go out to everyone who suffered as a result of this week’s tragic flooding in Texas and Oklahoma. We know that these storms have devastated properties throughout both states and that many residents will be faced with rebuilding their homes and businesses from the ground up. Our public adjusters are here to help you review your insurance coverage, develop a claim management strategy, and ensure that your Proof of Loss form is completed and filed in a timely manner. Please don’t hesitate to contact us with questions concerning your property insurance claim.

Bruce Kabat

Chief Operations Officer & Public Adjuster at Adjusters International

For more information or to speak to a public adjuster at Adjusters International Colorado/Texas, visit www.ai-colorado.com or call 1-800-441-6263.

Further reading:

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How to Prepare For Tornado-Related Claims

You may know how to prepare for tornadoes but do you know how to prepare for tornado-related insurance claims? April showers bring May tornadoes? Tornado season has arrived. ...

TornadoYou may know how to prepare for tornadoes but do you know how to prepare for tornado-related insurance claims?

April showers bring May tornadoes? Tornado season has arrived. According to 2014 statistics from NOAA’s National Weather Service there were 20 tornadoes in March, 129 in April and 130 in May.

For most families, having a plan to get to safety is the main priority during this dangerous season and with good reason as many of these storms also end in tragedy. But once your family has created an evacuation plan (Ready.gov has excellent tools to help with this), and prepared for all of the safety and health issues that may arise, then it’s time to start thinking about protecting your property.

Tornadoes can be extremely costly as far as insurance claims go. “In 2013 insured losses from U.S. tornadoes/thunderstorms totaled $10.3 billion, down from $15 billion in 2012,” according to the Insurance Information Institute. How can homeowners ensure that they will be covered if a tornado touches down? And what should do if their property is damaged?

“Strong heavy winds and tornadoes can cause considerable damage even to the most well-constructed buildings. The fact is that many structures will not survive this type of storm and the owners will need to repair or rebuild what is left,” said Carl Gross, Vice President, Chief Administrative Officer and Shareholder of Globe Midwest/Adjusters International, which is based in Southfield, Michigan.

Gross notes that the time immediately following extreme property damage is always very stressful for families so he advises them to do as much pre-event preparation as possible including the following:

- Take photos of each room in your house and upload them to a cloud server that won’t be damaged in the event of extreme weather

- Make sure that you have copies of your insurance policies scanned and saved online or paper copies stored in water and fireproof containers

- Check with your insurance agent to confirm that your policy includes tornado coverage and that you fully understand any exclusions for flooding, water damage, etc.

- Have enough money saved to cover your deductible and other emergency expenses that may arise such as hotel rooms, dining and travel (many of which may be reimbursed later by your insurance carrier)

After a property loss occurs, homeowners will need to work through a complicated insurance claims process in order to get their properties repaired or rebuilt. Bruce Kabat, Chief Operating Officer of Adjusters International Colorado, says that due to the multiple causes of property damage involved with tornadoes – for example, high winds, hail and flooding almost always accompany these storms – filing claims can be incredibly challenging for most policyholders to handle on their own. Hiring an expert to guide them through the process can make the process much more manageable.

“Public adjusters are insurance experts who are trained in how to spot and document not just the obvious damage from the winds, but the more subtle damage caused by hail, to fully validate the true extent of your loss. From the initial appraisal to the final negotiations, our adjusters will manage the entire claims process, to help you secure a full and fair settlement,” said Kabat.

Kabat also offers the following tips to homeowners whose property is damaged by tornadoes:

- Heed all safety warnings by your local law enforcement officials as safety should always be your first priority

- Call your insurance carrier right away to begin the claims process since they will likely be inundated with calls immediately after the storm

- Save all receipts for expenses related to the weather event as these may be reimbursable under your policy

- Take pictures of all damaged property if it is safe to do so

- Understand your duty per the policy to protect your property from further damage — this could include tarping portions of your structure, and moving personal property away from the loss site to a secure location

- Hire a public adjuster at the beginning of the process in order to make it as easy on you as possible

“We always hope that tornadoes will not affect our family members, friends and neighbors but unfortunately, these violent storms can be very unpredictable and destructive,” said Gross. “Our experts are here to guide you through your tornado insurance claim so please don’t feel that you need to take this on alone.”

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