Massachusetts Public Adjusters
From nor'easters and ice dams to coastal flooding on the Cape and South Shore, Naiche represents Massachusetts homeowners and business owners against their insurance company — statewide, at no upfront cost.
Austin Bernaiche, MA Public Adjuster Lic. #20675006
Licensed Public Adjusters Serving Massachusetts Policyholders
SERVING EVERY CLAIM TYPE IN MASSACHUSETTS
Common Massachusetts Claims We Handle
Every claim type below is handled the same way wherever you are in Massachusetts — explore the specifics of each.
Surge, tidal and storm-driven water damage disputes.
STATEWIDE COVERAGE ACROSS MASSACHUSETTS
Massachusetts Cities We Serve
Naiche represents policyholders throughout the Commonwealth, from the Berkshires to Cape Cod.
Boston
Worcester
Springfield
Cambridge
Lowell
Brockton
New Bedford
Quincy
Lynn
Fall River
Newton
Framingham
Don't see your town listed? We serve policyholders statewide — contact us to confirm coverage in your area.
Works for the insurer
Company / Staff Adjuster
A salaried employee of your insurance company. Assigned automatically when you file — no fee to you, but no obligation to maximize your payout either.
These terms get confused often — and the difference determines whose side someone is actually on.
How we operate: We don't door-knock, cold-call, or pressure anyone to sign on the spot. You reach out to us — never the other way around.
Know who You're Hiring
INSURANCE ADJUSTER VS PUBLIC ADJUSTER IN MASSACHUSETTS
Also works for the insurer
Independent Adjuster
Despite the name, still hired and paid by the insurance company — typically brought in during high claim volume after a regional disaster.
Works for you
Public Adjuster (Naiche)
Licensed by the Massachusetts Division of Insurance and hired directly by the policyholder. Paid only as a percentage of your settlement.
our process for RHODE ISLAND claims
How We Work
The same rigorous process, applied to your specific claim type and location.
1
Free Consultation & Policy Review
We review your Rhode Island policy and explain your options at no cost.
2
Inspection & Documentation
We document the full scope of damage — including what's easy to miss.
3
Claim Preparation & Submission
We build a detailed, defensible claim package on your behalf.
4
Negotiation & Settlement
We negotiate directly with your insurer on your behalf to resolve your claim.
What to expect: we get in touch during business hours — no chasing us for updates.
Massachusetts law (M.G.L. c. 175, § 172) requires every public adjuster contract to be in writing, on a form filed with and approved by the Commissioner of Insurance. No improvised contracts, no hidden terms.
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every contract on a state-approved form
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Fee of No more than 10%
The Massachusetts Division of Insurance advises that a public adjuster's fee should not exceed 10% of the claim payment. Your exact percentage is written into your contract before you sign, and you pay nothing until your insurer pays.
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Licensed in Massachusetts
Austin Bernaiche is a licensed public adjuster in Massachusetts (Lic. #20675006). You can verify any adjuster's license with the Massachusetts Division of Insurance or by calling 1-617-521-7794
Massachusetts Public Adjuster Licensing & Fees
Public adjusting is a licensed, regulated profession in Massachusetts. Here's what applies to your claim — and what protects you.
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three days to change your mind
You can cancel your contract without penalty by written notice within 3 calendar days of receiving your copy (M.G.L. c. 175, § 172). After that, you can still end the contract at any time; we keep a claim to our agreed fee only on insurance money offered or recovered through our work. If you cancel within the 3 days, you remain responsible only for reasonable emergency out-of-pocket costs we paid during that window to protect your property.
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your policy can't stop you hiring us
Under Chapter 187 of the Acts of 2026, effective November 5, 2026, any policy language that bars you from hiring a public adjuster as a condition of recovery is unenforceable and is removed from the policy. Including it is now an unfair claim settlement practice under M.G.L. c. 176D.
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no financial ties to contractors
Naiche holds no interest in, and takes no referral fees from, any contractor, restoration company or salvage firm. You choose your own contractor, always.
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Division of insurance Oversight
Questions or complaints can go to the Division of Insurance Consumer Service Section: 1-617-521-7794 or mass.gov/doi.
Example: how a 10% fee actually works
Insurer's final settlement
$30,000
Naiche's fee (example at 10%)
− $3,000
You receive
$27,000
Illustration only. Outcomes depend on your policy, your loss and the facts of your claim. The fee applies only to the settlement amount — never to money you haven't received, and never before your insurer pays. Deductibles and depreciation holdbacks are separate from this fee and depend on your specific policy.
We don't promise a specific settlement figure or a guaranteed payout — every claim is different. We'll walk you through your policy and how we'd approach the claim before you sign anything.
Rhode Island Claims FAQs
Frequently Asked Questions About Rhode Island Claims
Naiche works on a contingency basis, so there's no upfront cost. The Massachusetts Division of Insurance advises that a public adjuster's fee should not exceed 10% of the claim payment. Your exact percentage is set out in a Division-approved contract before you sign.
No. From November 5, 2026, Massachusetts law (Chapter 187 of the Acts of 2026) makes any policy language that bars you from hiring a public adjuster as a condition of recovery unenforceable. This applies to surplus lines and non-admitted insurers too.
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Yes. You can cancel without penalty within 3 calendar days of receiving your copy, by written notice delivered in person, by fax, by overnight delivery, or by certified or registered mail to the address in the contract. After that, you can still end the contract at any time, but we keep a claim to our agreed fee on insurance money offered or recovered through our work.
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It depends on the size and complexity of the loss. A public adjuster documents the full scope of damage and handles the back-and-forth with your insurer. For a small, straightforward claim that has already been paid in full, you may not need one. Austin will tell you honestly at the consultation whether we can add anything.
No. Naiche holds no interest in, and takes no referral fees from, any contractor, restoration company or salvage firm. You choose your own contractor.
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We document only verified, actual damage. We never inflate estimates or claim work that wasn't performed — our reputation and license depend on it.
Yes. We work with homeowners, business owners, and condominium and homeowners associations, where master policies and individual owner policies both come into play.
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Through the Massachusetts Division of Insurance at mass.gov/doi, or by calling its consumer line at 1-617-521-7794. Austin Bernaiche's Massachusetts license number is 20675006.
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We represent policyholders across the Commonwealth, including Boston, Worcester, Springfield, Lowell and the Cape. If your town isn't listed above, get in touch and we'll confirm.
Policyholder Advocates Only
Austin Bernaiche,
MA Lic. #20675006
Licensed Public Adjusters
Serving policyholders statewide
Headquartered in Vernon, CT
No ties to contractors, disclosed in writing