Prime Adjustments

William Midtbo, Partner and Taylor Bezek, Partner

Prime Adjustments is a boutique public adjusting firm built exclusively to serve policyholders. With deep expertise in insurance claims, including residential, commercial, multi-family and institutional properties, they help policyholders navigate the complex claims processes to recover everything they’re owed under their policies.

As the focus on premium savings increases for policyholders, so do insurance policies with limited coverage and numerous exclusions, and the result is policyholders carrying a greater financial and evidentiary burden when it comes to their claims. Many discover the true limits of their coverage only after a loss, when they’re expected to interpret dense policy language, prove the full extent of the damage and negotiate fair compensation. Most policyholders don’t have the time or expertise to fully understand what their policy covers, especially when it comes to specific building components or materials.

That’s where Prime Adjustments steps in—to simplify the process and advocate for a fair outcome.

“When a property loss occurs, we take back control of the claim process and carry it through to resolution,” says William Midtbo, partner.

Acting on behalf of the insured, the firm clarifies policy terms, uncovers overlooked exclusions, inspects and meticulously documents the property damage and prepares a fully documented claim package. They then negotiate with the insurance carrier to ensure maximum recovery. For property managers, they offer pre-loss documentation services through their Managed Services Agreement (MSA), helping establish baseline property conditions to minimize disputes during future claims.

With over 15 years of experience in the first-party property insurance industry, Midtbo has worked closely with policyholders across a wide range of complex loss scenarios. He and co-partner Taylor Bezek, an insurance claims and restoration expert with over a decade of experience, manage the end-to-end claims process, bringing hands-on leadership and strategic precision to every case.

Advocacy That Maximizes Recovery

Prime Adjustments takes ownership of the entire claims process, from initial assessment to final settlement. Each engagement begins with a thorough consultation and independent site inspection, followed by an in-depth policy analysis to clarify coverage, exclusions and any conditions that may impact the claim. If representation is warranted, the firm compiles a fully documented claim package with damage estimates, supporting materials and expert analysis to ensure a proper settlement.

In the event that filing or pursuing a claim isn’t in the client’s best interest, Prime Adjustments advises against it, reinforcing their focus on outcomes over volume. Operating on a contingency basis with no upfront costs, the firm aligns its compensation entirely with results, and assesses each claim with objectivity.

“Our goal isn’t scale; it's trust,” says Bezek. “We aim to be a high-end, dependable partner for policyholders while keeping the process productive and professional with carriers. That’s how we protect our clients and move claims forward.”

Their hands-on, technically adept approach is illustrated in a recent case involving a 16-building HOA in Fort Collins, Colorado. The insurer’s initial hail damage offer of $750,000 was well below the HOA’s $1.2 million deductible, raising concerns about proper coverage evaluation. Prime Adjustments conducted a thorough policy review, met with the HOA board and performed an on-site inspection. They identified significant gaps in the insurer’s estimate, including missed repairs and unclear coverage areas. Leveraging industry-standard estimating software, they prepared a revised claim nearing $2.3 million. Within about 60 days, their efforts secured approximately $2.2 million settlement.

Building on outcomes like this, Prime Adjustments also frequently serves as the policyholder’s named appraiser in valuation disputes. Each side selects an appraiser, and together they appoint a neutral umpire if needed. If the appraisers agree, their decision is binding. If not, the umpire’s signed decision becomes final. While commonly used in residential claims, appraisal is also effective in commercial disputes. The process, typically resolved within 90 to 120 days, offers a faster, less adversarial alternative to litigation for resolving valuation disagreements.

Demystifying complex claims and managing every detail precisely, Prime Adjustments empowers policyholders to secure the full compensation they’re entitled to—efficiently, confidently and without unnecessary conflict.