National Independent Adjustment Company

Big enough to cover the country. Small enough to prioritize your assignments.

Primary Claims Adjusting Service (P.C.A.S.) delivers daily and catastrophe claims handling nationwide — commercial property, large & complex losses, prestige residential, and liability — backed by a management team averaging 25 years in the industry.

NationwideDaily & CAT coverage
200+Experienced CAT adjusters
25 yrsAvg. management experience
NFIP & HaagCertified adjusters

Nationwide reach

Daily claims adjusting and catastrophe response coast to coast, with local knowledge on every loss.

Certified & experienced

The majority of our adjusters are General Adjusters; many are NFIP & Haag certified, treating every insured with respect.

CAT-response ready

A 200+ traveling catastrophe team plus a dedicated California wildfire team, mobilized when you need scale fast.

Why P.C.A.S.

A claims partner built on speed, skill, and follow-through

We integrate seamlessly into your existing claims operation and carrier systems, delivering responsive, professional service on every file.

On TimePreparedExperiencedProfessionalWell TrainedCourteousThoroughHighly SkilledPro-active
1

Rapid response

Immediate assignment confirmation, insured contact within 1–24 hours, and inspection within 72 hours.

2

Experienced adjusters

General Adjusters with extensive field experience — many NFIP & Haag certified — led by veterans averaging 25 years.

3

Catastrophe scalability

A 200+ CAT team and a 30+ California wildfire team, ready to mobilize during CAT events and seasonal surges.

4

Proactive reporting

Preliminary Action Report within 24 hours of inspection; formal report in 10–14 days or as you require.

What We Handle

Multi-line claims handling, nationwide

From daily assignments to complex catastrophe losses, P.C.A.S. covers the full range of property and casualty claims.

Commercial Property

Full-service handling of commercial property claims, including large and complex losses.

Independent Desk Adjusting

Scalable desk handling for property and liability files that reduces fixed payroll and overhead.

Prestige Residential

Experienced, courteous handling of high-net-worth and prestige residential property losses.

HOA & Condo Associations

Specialized adjusting for homeowners associations and condominium association property claims.

Residential & PDL Claims

Efficient handling of daily residential property and property damage liability (PDL) claims.

Liability Investigations

Auto, general, and property damage liability investigations with defensible documentation.

Catastrophe Teams

A 200+ traveling CAT team plus a dedicated California wildfire team, deployed at speed.

Large & Complex Losses

Seasoned General Adjusters equipped for the most demanding, high-exposure assignments.

National Field Adjusting

On-the-ground inspections nationwide, conducted upon your authorization when a claim can't be handled from the desk.

Our Claims Process

A disciplined protocol on every assignment

Clear, consistent steps that keep carriers and desk adjusters informed and move the claim forward from day one.

STEP 01

Immediate notification

A confirmation email listing the handling adjuster's name, contact information, and our file number.

STEP 02

Contact & inspection

The insured is contacted within 1–24 hours and the loss is inspected within 72 hours.

STEP 03

Reserve reporting

We call the carrier desk adjuster from the loss site with reserves on losses exceeding $50k.

STEP 04

Preliminary Action Report

A short-form report with pertinent claim information, sent within 24 hours of inspection.

STEP 05

Formal report

Delivered within 10–14 days from assignment — or on whatever timeline you require.

STEP 06

Proactive handling

We work continuously and proactively to move the claims process forward to resolution.

Casualty & Liability Investigation

Thorough, defensible liability investigations

We investigate automobile, construction, and slip / trip and fall accidents — building a complete, well-documented file.

Interview witnesses and obtain signed statements
Photograph and inspect job and accident sites
Diligent searches for OSHA, DOB, and DOT violations
Obtain police reports, canvass for witnesses, preserve surveillance footage

Investigative services

  • Auto liability investigation
  • General liability investigation
  • Property damage liability investigation
  • Property damage liability & repair cost estimates
  • Construction accident investigation
  • Slip / trip and fall investigation
Technology & Reporting

Industry-leading estimating on every file

We use the most forward technology in the industry to produce accurate, defensible estimates and keep your data secure.

Xactimate X1 & XactAnalysisDetailed, consistent estimating trusted across the industry.
Encrypted communicationsAll email communications are encrypted to protect claim data.
24-hour Preliminary Action ReportPertinent claim info to your desk adjuster within a day of inspection.
P.C.A.S. by the numbers
200+Experienced CAT adjusters
30+CA wildfire specialists
<72 hrsTo loss inspection
24 hrsTo Preliminary Action Report
10–14 daysTo formal report
25 yrsAvg. management experience
About Us

A national independent adjustment company

Primary Claims Adjusting Service specializes in commercial property claims, large & complex losses, HOA & condo association claims, prestige residential, residential property, and PDL claims — providing daily and catastrophe adjusting services nationwide.

All of our daily claims adjusters have extensive experience; the majority are General Adjusters, and many are NFIP & Haag certified. Our management team is comprised of industry veterans with an average of 25 years in property claims adjusting.

Our desk adjusting model lets carriers and TPAs reduce operational expense — eliminating the need to hire, train, and maintain full-time W-2 staff — while maintaining high standards of file quality, communication, and cycle-time performance.

Independent desk adjusting

  • Residential and commercial property desk adjusting
  • Daily and CAT desk assignments
  • Liability desk claim handling
  • Coverage investigation & analysis
  • Recorded statements & documentation review
  • Estimate preparation & file evaluation
  • Diary management & guideline compliance
  • Flexible scalability during volume surges

Ready to put an experienced team on your files?

Send us a new assignment or reach out to discuss how P.C.A.S. can be an asset to you and your team.