About Karma Adjusting

What I Do

Karma Adjusting offers services to homeowners and business owners who have suffered property losses. Karma can get involved at any stage of your loss.

If it’s late in the game, it will be obvious what I fix. But if it’s early enough, not only can I maximize your indemnity and help protect your rights, I can also prevent problems or mistakes from happening.

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Claims Handling

With specific training to represent the policyholder, I can manage and adjust your property claim so you don't have to.

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Insurance Appraisals

Self-representing is a very risky proposition. I have a proven track record representing policyholders at appraisals.

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My knowledge and experience in the insurance industry allows me to provide the highest level of service and advice.

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Does any of this sound familiar?

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!

  • Can you stay with your family or any friends? Received
  • Sorry, we don't pay the tax. Received
  • We'll only guarantee our contractor's work. Received
  • You have 180 days to replace your property. Received
  • Your policy doesn't cover that. Received
  • Can you stay with your family or any friends? Received
  • Sorry, we don't pay the tax. Received
  • We'll only guarantee our contractor's work. Received
  • You have 180 days to replace your property. Received
  • Your policy doesn't cover that. Received
Testimonials Section


Carolyn was clearly more knowledgeable than our adjusters!

After our flood, the insurer was not honest with us and made us feel trapped by telling us we had no other options but theirs. Thanks to Carolyn's experience and professionalism we ended up with a favourable outcome - Carolyn saved us.

Belinda & Willie Hosey, Georgina, ON

Having Carolyn in my corner was the best decision I made!

When my claim was going to be denied Carolyn worked her magic and proved the loss was an accident and settled the claim. She went above and beyond and never gave up.

Gary McAllister, Markham, ON

Carolyn increased my settlement beyond my expectations!

The insurer lowballed my loss by hundreds of thousands of dollars, and Carolyn helped me get it all paid. She was patient, professional, and a master negotiator. The insurer wasn't happy, but that's karma for you!

Lily Sotiriadi, Richmond Hill, ON

Carolyn uncovered mistakes & maximized our settlement!

Carolyn is a friend of mine so calling her for advice was a no-brainer. But advice turned into action: She maximized our claim settlement and protected our biggest asset: Our Home.

Nicolle & Jamie Funk, Courtice, ON

Karma is a wonderful thing!

I've seen Carolyn in action dozens of times, and as a professional in this industry, I can say without a doubt she's top in her field. If you need help with your property claim, get Karma on your side!

Rory MacKinnon, Tiny, ON

Karma raises the standard in public adjusting!

I recently met Carolyn on a fire claim. Carolyn is professional, smart, and speaks to everyone with respect. Plus, her policy knowledge is amazing. She's almost too good to be true!

Alex Edwards, Toronto, ON

After just one phone call, we all felt better!

We learned more from Carolyn in one hour than in 12 months with the insurance company's adjuster. Carolyn was a good listener and gave us immediate comfort. Just wish we'd called sooner!

Lisa Ferguson, London, ON

Carolyn was fair but firm and got results!

Carolyn contacted our insurer, met their adjuster, convened meetings, and got us paid. She quadrupled our settlement. If you need a Public Adjuster, call Carolyn for sure!

Katherine Spott, Newmarket, ON

Carolyn was instrumental on my claim

Carolyn sent over a restoration company to quote the real cost of repairs. My insurer accepted it and I could fix my home properly.

Geoff Armstrong, Aurora, ON

Without Carolyn’s help I’d be in debt

Carolyn helped me navigate my insurance appraisal. Her expertise helped me attain a much larger settlement that what the insurer was willing to pay.

Johnny Dawaj, London, ON

Carolyn’s advice was perfect

I consulted with Carolyn after a small basement flood. She reviewed my policy and gave me pointers to ensure all the damages were accounted for and paid by the insurance company.

Greg Curmenska, Aurora, ON

Carolyn didn’t hesitate to help!

After city road work flooded my friend’s basement, Carolyn called her with referrals to get it rectified and covered by insurance. It was exactly the peace of mind my friend needed!

Liz Walker, Barrie, ON

A car crashed through our building

Carolyn has helped me before, so I called her again. She reviewed my policy and helped me get 100% of the cost of damages.

Corey Gambon, Toronto, ON

Why Choose Karma?


I am FULLY licensed and am a Chartered Insurance Professional (CIP). Lawyers don’t do what I do, and neither do contractors.

Trained & Experienced

I get the sense that many Adjusters are either Trained or Experienced - I AM BOTH. That’s why I cost your insurance company money!

Dedicated, Personal Service

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.

Locally Owned & Operated

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.

Proven Track Record

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!

Peace of Mind

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.

Karma is here to help!

When it comes to selling a home, or fixing your car, you turn to a professional to help. Why wouldn’t you use a professional to manage one of the biggest negotiations of your life? That's where Karma comes in.

How equipped are you to navigate through a property claim given you have never done it before? Even if you are smart, savvy, and skilled at negotiating, you are not a trained insurance adjuster. You just don’t have enough ammunition against your insurance company. Your insurer has deeper pockets, more experience, and virtually unlimited resources, so to put it simply, just more power in your relationship than you do. They can drag out a dispute until you surrender.

Don't wait. I can help you get you what you deserve.

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