Carolyn HawthorneOwner, Karma Adjusting
I want to help as many policyholders as possible with integrity, professionalism, and compassion. With Karma on your side, everyone should get what they deserve.
Beware of the niceties, threats, or limits that insurance companies convey to unknowing policyholders. Your ignorance saves the insurance company money, but Karma would like to fix that!
Maybe, maybe not. Not all claims need a public adjuster. If you feel that your insurance company is not upholding their commitment then call Karma for a no-obligation opinion.
Insurance companies don’t get mad if you hire your own adjuster (in fact many like it because it often saves time and controversy). A plaintiff and a defendant don’t share lawyers, so why would you share adjusters? Good insurance adjusters are professional and empathetic, but their loyalty is ultimately to their employer, not you. Karma ensures your needs are the priority.
Still not sure? See what Karma can do for you!
With specific training to represent the policyholder, I can manage and adjust your property claim so you don't have to.
Self-representing is a very risky proposition. I have a proven track record representing policyholders at appraisals.
My knowledge and experience in the insurance industry allows me to provide the highest level of service and advice.
Check out some of the most recent claims I have helped people with!
On a Detached House fire claim. Courtice, ON
On a luxury home windstorm claim. Vaughan, ON
On a family home fire claim. Richmond Hill, ON
On a commercial building fire claim. East Gwillimbury, ON
On a small basement water claim. Sharon, ON
On living expenses (ALE) after a house fire. Mississauga, ON
Every claim is different so every team i put together to help my clients is unique.
I have a network of elite resources that advocate on YOUR behalf. This includes general contractors, damage appraisers, engineers, accountants, lawyers, restoration experts, content experts, and more.
Karma will rely on you to provide information, documentation, and authorizations throughout your claim as required. The more you can put into the claim, the more you should get out of it.
I’m quite passionate about helping people, so being a Public Adjuster feels more like a responsibility and honour than it does a job. I’ll round out the team with my skillset, experience, and perseverance to help get you what you deserve.
I am FULLY licensed and am a Chartered Insurance Professional (CIP). Lawyers don’t do what I do, and neither do contractors.
I get the sense that many Adjusters are either Trained or Experienced - I AM BOTH. That’s why I cost your insurance company money!
I think most Adjusters are overworked but you shouldn’t be penalized for that. I try to manage my workload so that you feel like you’re my only claim.
Let’s face it - our Canadian flag rocks. From pricing jobs, to conducting meetings, to knowing who’s who in the industry, local knowledge and ownership is better for you and your claim.
If I offer my help, it’s because I feel I can correct some mistakes, right some wrongs, fill some gaps, and deliver true, measurable value. And that’s what I’ve done every time!
The claims process can be very long and very stressful. Having Karma in your corner should alleviate both of those things. I will always work for you and make recommendations that I feel benefit you, not the insurer.