Stand beside policyholders
We document losses, explain claim decisions, and advocate for the benefits owed under the policy. We bring facts and recommendations to each decision point. It is your claim, and you make the decisions.
United Claims Advocate Group brings more than 20 years of insurance-claims experience to property owners facing new, denied, delayed, underpaid, and closed claims.
Our Story ↓
Experienced advocacy.United Claims Advocate Group (UCAG) helps homeowners and commercial property owners understand their policies, document their losses, and navigate the insurance claim process.
Led by David Crosby and Bryce Nargi—both licensed public adjusters and co-owners—UCAG represents policyholders with new, denied, delayed, underpaid, and closed property claims.
Our roots are in Bay Area Public Adjuster, a small firm built around helping policyholders. As our work expanded beyond the Tampa area and across state lines, the original name no longer reflected the people we were helping or the scope of our mission. We formed UCAG to carry that experience forward under a name that reflects our broader reach.
Some of our earlier reviews and documented claim results identify Bay Area Public Adjuster. We preserve that original attribution so you can see where our experience comes from. Those records are part of our history; they are not presented as work originally performed under the UCAG name.
From a small firm to a team with a national outlook, our purpose remains the same: stand beside policyholders, explain their options, and advocate for the recovery their coverage provides. Services are offered where we hold the required licenses.
Insurance can feel complicated precisely when you need clear answers. We want policyholders to understand their options, feel confident asking questions, and know they have somewhere to turn.
We document losses, explain claim decisions, and advocate for the benefits owed under the policy. We bring facts and recommendations to each decision point. It is your claim, and you make the decisions.
Our resources are here whether you hire us or not. Clear explanations, practical guidance, and a complimentary consultation can help you understand unfamiliar terms and take the next step with greater confidence.
Explore the resource center →Our broader mission is to connect experienced claims professionals who share our commitment to policyholders. Greater reach should mean more people can find knowledgeable help, with services provided where appropriately licensed.
Connect with our team →The insurance company has adjusters protecting its interests. UCAG represents the person or business that owns the policy. We review the policy, document the loss, prepare the claim, and advocate for the recovery the coverage provides.
We assist homeowners, business owners, rental-property owners, and vacation-home owners. We also offer free policy reviews—even when there is no active claim—so property owners can better understand the strengths and limitations of their coverage.
UCAG was co-founded by David Crosby and Bryce Nargi to bring knowledgeable, determined claim advocacy to property owners across multiple states.

David has worked in insurance claims since 2004 and has handled more than 15,000 residential and commercial losses across more than 20 states. After years working on the carrier side, he became a public adjuster in 2016. His insurance and construction experience helps UCAG evaluate damage, understand coverage, and advocate for policyholders from initial review through final resolution.

Bryce brings a background in technology, systems, and cybersecurity—including work supporting the U.S. Department of Defense—to his role as a licensed public adjuster. He entered public adjusting in 2022 and applies the same disciplined problem-solving, communication, and attention to detail to helping policyholders navigate complex property claims.
Do you have hands-on claims experience and a drive to help people? We welcome conversations with experienced professionals across the country who share our approach to clear communication, thorough documentation, and policyholder advocacy.
Carrier-side, independent-adjuster, or public-adjusting experience, with a strong understanding of the claim process and the responsibilities of your role.
Experience inspecting losses, preparing detailed estimates, using Xactimate, and supporting scope and pricing with a clear record.
Experience with property-insurance appraisals and a clear understanding of the distinct responsibilities of an appraiser and an impartial umpire.
We are seeking established experience rather than entry-level applicants. Tell us about your background, licenses, location, and the work you do best. Any potential role depends on qualifications, licensing requirements, and mutual fit.
Introduce Yourself to UCAG →You do not need an active claim to ask for help. We offer a free policy review to explain important strengths, limitations, deductibles, and exclusions in plain language.
Schedule a complimentary call with our team. There is no obligation and no claim is required.
Schedule My Free Review →If you are unsure whether you have a claim—or whether your insurer handled it correctly—start with a conversation.
Ask About My Situation →A public adjuster is a licensed insurance professional who represents the policyholder—not the insurance company—in preparing, documenting, and negotiating a property claim.
As early as possible after discovering damage. We also review a denied, underpaid, delayed, or closed claim to explain the available options.
We only get paid when you recover money through the claim. No recovery means no fee. The applicable agreement and state rules will be explained before representation begins.
Yes. Our free policy review is available to anyone, including property owners comparing multiple policies before purchasing coverage.
Yes. We assist residential, commercial, rental, and vacation-property owners with covered property losses.
Schedule your free consultation today.