When disaster strikes, your insurance company sends their adjuster to protect their interests. You deserve your own. Rice & Rice Associates works exclusively for you—recovering every dollar you're owed.
Total recovered for clients
Claims settled nationwide
Avg. increase over initial offer
Years in practice
Figures include prior companies · Updated quarterly
Your insurance company has a team of professionals working to minimize your payout. We level the playing field.
A public adjuster is a licensed insurance professional who works exclusively for you — not your insurance company. We review your policy, document your losses, and negotiate your settlement. Most policyholders who use us recover 2–3x their initial offer.
Start Your Free Review →We visit your property, assess all damage, and identify losses your insurance company may have missed or undervalued. Zero cost, zero obligation.
We analyze every line of your policy to identify all coverages you're entitled to — many policyholders don't know what they're owed until it's too late.
We prepare a comprehensive, professional claim file with detailed inventories, contractor estimates, and supporting evidence that demands maximum payment.
We go toe-to-toe with the insurance company's adjuster. We know their tactics — and we know how to win.
We only earn a percentage of what we recover for you. If we don't increase your settlement, you owe us nothing. That's our promise.
A public adjuster is a licensed insurance professional who works exclusively for you — not your insurance company. We review your policy, document your losses, and negotiate your settlement. Most policyholders who use us recover 2–3x their initial offer.
We review your policy, your loss, and the insurance company's initial position — at no charge and with no obligation. Most clients are shocked by what we find.
Our team conducts a thorough inspection, documents every element of your loss, and builds a comprehensive claim package that leaves nothing on the table.
We submit your claim directly to the insurance company and negotiate aggressively on your behalf. Their adjuster knows us — and knows we don't settle for less.
When we're done, you receive the maximum settlement your policy allows. Our fee is a percentage of what we recover — if we don't improve your outcome, you owe us nothing.
From house fires to hurricanes to denied commercial claims — we have recovered maximum settlements across every category of property damage.
Fire claims are among the most undervalued. Smoke infiltrates walls, HVAC systems, and structural cavities that adjusters routinely ignore. We document everything.
Water damage spreads invisibly. Mold, structural compromise, and hidden deterioration are frequently omitted from initial assessments. We find what they miss.
Post-storm claims are notoriously underpaid — especially in the wake of major hurricanes. We know every line of Florida, Texas, and Gulf Coast policy language.
Roof claims are denied more often than any other type. We identify covered damage, counter lowball repair estimates, and force insurers to meet their obligations.
Lost income, fixed expenses, and extra costs — business interruption is one of the most complex and consistently underpaid claim types. It's one of our specialties.
Mold coverage is buried in policy exclusions and limitations. We know where to find coverage others miss, and how to document losses that insurers prefer to deny.
These are real settlements obtained for our clients. The difference between what insurers offer and what people are owed is staggering.
Robert Rice founded Rice & Rice Associates LLC with a single, unwavering conviction: policyholders deserve a professional advocate who works solely in their interest — never the insurance company's.
After two decades recovering hundreds of millions of dollars for homeowners and businesses across the country, that conviction has shaped one of the most respected public adjusting firms in the nation.
"Insurance companies have entire teams dedicated to paying you as little as possible. You deserve someone equally dedicated to the opposite."
Most claims have deadlines. Don't wait — a free review costs you nothing.
