Joseph Colafrancesco

Experienced expert estimator and claim consultant with over 15 years in the property damage and insurance industry. I hold both Independent Adjuster (IA) and Public Adjuster (PA) licenses across multiple states, and I am also a Certified Property Loss Appraiser (CPLA) and Certified Property Loss Umpire (CPLU). I own and operate an IICRC-certified firm and personally hold multiple IICRC certifications, including Water Restoration (WRT), Fire and Smoke Restoration (FSRT), Odor Control (OCT), and more. Additionally, I’ve achieved Level 3 Xactimate certification and have advanced expertise in scope development and proper repair methodologies.

My firm specializes in complex losses, subrogation reviews, expert testimony, and high-level file audits. We assist attorneys, public adjusters, carriers, TPAs, and contractors with everything from Xactimate estimates and invoice reviews to litigation support and claim strategy. I’m known for being fast, accurate, and highly technical—able to spot scope gaps, overbilling, and improper mitigation work that others miss. Whether it’s a water loss, fire, storm, structural collapse, or liability investigation, I bring a deep understanding of both the construction and insurance sides of every file.

I’ve consulted on a wide range of claims, including residential, commercial, multifamily, CAT events, government housing, military facilities, and specialty claims involving engineering failures or policy disputes. My experience also includes handling appraisals and umpire work nationwide, providing impartial and defensible opinions that help resolve disputes effectively.

I can handle everything from basic residential estimates to your most challenging commercial losses, review mitigation documentation for accuracy, draft expert letters, and help tighten claim documentation to reduce exposure and improve outcomes.

If you're seeking someone who understands the nuances of claim files, policy language, and real-world construction—someone who can communicate clearly with attorneys, adjusters, contractors, and insureds—I’m ready to step in and deliver.