Electrical Damage

Electrical Damage Services

Trusted, Local Insurance Adjusters

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Common Causes of Electrical Damage

Electrical damage in a home can occur suddenly and cause serious destruction to both your property and personal belongings. Common causes include power surges from lightning strikes or utility grid issues, faulty wiring, overloaded circuits, outdated electrical panels, and improper DIY electrical work. Damaged outlets, exposed wiring, and malfunctioning appliances can also spark electrical fires or cause significant system failures.

Even a brief power surge can damage major appliances, HVAC systems, electronics, and smart home devices—often without visible signs of harm. In more severe cases, electrical failures can lead to burned wiring, scorched walls, and hidden structural damage behind ceilings and drywall.

If your home has experienced electrical damage, navigating the insurance process can be complicated, especially when proving the full extent of unseen damage. Tri-State Public Adjusters works exclusively for homeowners, not insurance companies. We thoroughly document losses, bring in the right experts when needed, and negotiate aggressively to secure the compensation you’re entitled to. There is no upfront cost, we consistently achieve higher payouts, and our fees are typically far lower than those of a traditional attorney. Contact Tri-State today to make sure your claim is handled properly from the start.

Steps You Should Take

If your home has suffered electrical damage, begin by ensuring everyone’s safety. Shut off power to affected areas if safe to do so, and avoid using damaged outlets or appliances. Next, document everything with detailed photos and videos—including visible damage to panels, wiring, outlets, appliances, and electronics.

Do not discard damaged items until they have been properly inspected and documented for your claim. Keep all receipts for emergency repairs, temporary replacements, or hotel stays if the home is unsafe. These expenses may be covered under your homeowners’ insurance policy.

Before accepting any settlement offer, consider bringing in Tri-State Public Adjusters early in the process. Insurance companies often underestimate electrical losses, particularly when damage is internal or not immediately visible. Tri-State ensures a comprehensive evaluation, manages all communication with the insurer, and fights for the maximum settlement available—without any upfront fees. We provide a cost-effective alternative to hiring an attorney, while working to secure the highest possible payout so you can fully restore your home and peace of mind.

Why Work With Tri-State?

Our Objective: Maximize your insurance payout.

Insurance companies are focused on protecting their bottom line, and the adjusters they assign are often overworked and limited in the time they can spend on your claim. That can mean damages are overlooked or undervalued. We take the time to thoroughly document, prepare, and present every aspect of your loss to help ensure you receive the full compensation you are entitled to under your policy.

We work for you. Not the insurance company.

The insurance adjuster assigned to your claim works for the insurance carrier, and their performance is often tied to saving the company money. We are different. We represent you and only you, advocating for your best interests without the restrictions or pressures that come with working for an insurance company.

Expert Engineers, Adjusters, & Appraisers.

We are a family-owned New Hampshire-based public adjustment firm serving clients throughout Massachusetts, Maine, and Vermont, supported by three full-time Public Adjusters and a trusted network of appraisers, engineers, adjusters, and business interruption specialists when needed.

THE NUMBERS

WE GET PAID AFTER YOUR SETTLEMENT IS RESOLVED.

Initial Payout

Tri-State Adjusted Payout

$1,400

⟶

$33,000

$150,000

⟶

$350,000

$1,300

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$20,000

$35,000

⟶

$247,000

$130,000

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$200,000

60+ Years

Our team includes three full-time Public Insurance Adjusters with a combined 60 years of experience in claims, estimating, and disaster restoration. Supported by dedicated inventory specialists and led by a highly respected owner adjuster, we provide expert guidance and meticulous documentation to ensure the best results for every client.