Michael Fitzgibbon - North Jersey Public Adjuster - Sipe Adjustment Group

Michael Fitzgibbon - North Jersey Public Adjuster - Sipe Adjustment Group When your home is damaged, it’s overwhelming — but you don’t have to go through it alone. Proudly based in North Jersey.

I help New Jersey families recover after fire, water, or storm loss with compassion, guidance, and trusted support.

Today, we pause to remember and honor the brave men and women who gave their lives while serving our country.Their sacri...
05/25/2026

Today, we pause to remember and honor the brave men and women who gave their lives while serving our country.

Their sacrifice is something we should never take for granted. Wishing everyone a safe and meaningful Memorial Day.

If you ever need us.

01/31/2026

This is a real home after a severe fire. Even when the flames are out, the damage does not stop at what you can see. Heat, smoke, and soot travel through the entire house and affect structure, finishes, and personal belongings.

One small tip we always share. Once or twice a year, take a few quick photos or short videos of your home with your phone. Walk room to room. Open closets. Snap shelves and cabinets. We are already taking photos every day, so why not take a few of your home.

If something unexpected ever happens, those pictures can help remind you what you had when things feel overwhelming and help with proof for insurance.

This walkthrough shows why taking your time and documenting everything matters after a loss.

"In case you need us."

After damage, it is natural to want to clean up as fast as possible.Wet carpet. Ruined furniture. Clothing pulled from d...
01/14/2026

After damage, it is natural to want to clean up as fast as possible.

Wet carpet. Ruined furniture. Clothing pulled from drawers and closets.

Before throwing anything away, take a moment to document it.

Insurance claims often rely on proof of what was damaged. Photos help show the full picture, including items that are easy to overlook.

If it is safe to do so, take pictures first. Open drawers. Check closets. Small items can make a difference.

"Should you need us."


Quick thing most homeowners are not told. When you file an insurance claim, the adjuster sent by the insurance company w...
01/07/2026

Quick thing most homeowners are not told.

When you file an insurance claim, the adjuster sent by the insurance company works for them, not for you.

A PUBLIC ADJUSTER works solely for the homeowner. Their job is to help document the damage and explain the claim, so nothing important gets missed. They handle communication with the insurance company, so you do not have to.

This matters because insurance paperwork and the claims process can be confusing, especially after something stressful happens.

"Should you need us."

Most homeowners do not realize this.The first insurance offer is often just a starting point. Kind of like the first dra...
12/30/2025

Most homeowners do not realize this.

The first insurance offer is often just a starting point. Kind of like the first draft, not the final cut.

The first image shows an initial offer after water damage, prepared by the insurance company and their third party vendors.

The second image shows the updated amount after the claim was carefully reviewed and documented by Sipe Adjustment Group.

Nothing shady. Nothing exaggerated.

Just making sure the full story was accounted for and presented clearly.

This is why it is important to understand your claim before accepting anything.

"Should you need us."

Address

45 Water Street
Toms River, NJ
08753

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