Founded in Florida
Bay Area Public Adjuster begins serving Florida policyholders.
About United CAGBuilt to Advocate for
Built to Advocate for
American Policyholders.
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 ↓20+ YearsInsurance Claims
Experience
Experience
Multi-StateRepresentation
$50 Million+Recovered
No RecoveryNo Fee
Same people. Same experience. A broader mission.Our HistoryFlorida Roots.
Florida Roots.
A Multi-State Mission.
Bay Area Public Adjuster was founded in Florida in 2015. In 2024, the company expanded into Texas and saw firsthand how great the need was for experienced public-adjuster services beyond Florida.
That expansion led to the creation of a broader name for a broader mission. In 2025, United Claims Advocate Group—also known as United CAG and UCAG—was launched to serve policyholders across multiple states.
Bay Area Public Adjuster, Inc. does business as United Claims Advocate Group. The name expanded, but the people, experience, and commitment to policyholders remain the same.
How We Got Here
One Team. One Standard of Advocacy.
Expanded into Texas
The team sees a greater nationwide need for experienced representation.
United CAG Launches
A multi-state identity is established to carry the same advocacy forward.
Meet the FoundersExperienced Leadership.
Experienced Leadership.
Policyholder-Focused Purpose.
UCAG was co-founded by David Crosby and Bryce Nargi to bring knowledgeable, determined claim advocacy to property owners across multiple states.
Co-Founder
David Crosby
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 and founded Bay Area Public Adjuster. His insurance and construction experience helps UCAG evaluate damage, understand coverage, and advocate for policyholders from initial review through final resolution.
Co-Founder
Bryce Nargi
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 2020 and applies the same disciplined problem-solving, communication, and attention to detail to helping policyholders navigate complex property claims.
Who We Represent
We Work for the Policyholder. Period.
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.
Our OrganizationFlorida Multi-State
Two Names. One Company.
Bay Area Public Adjuster & UCAG
Both names are used in Florida, where Bay Area Public Adjuster was founded.
United Claims Advocate Group
UCAG is the public-facing identity used outside Florida as the company expands its multi-state service.
Bay Area Public Adjuster, Inc. dba United Claims Advocate Group
A free service for every policyholder
Know What Your Policy Covers Before You Need It
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.
- Review an existing home or commercial policy
- Compare multiple policies while shopping for coverage
- Request a written summary after your consultation
Free Policy Review
Insurance companies understand every line of your policy. You should too.
Schedule a complimentary call with our team. There is no obligation and no claim is required.
Schedule My Free Review →Frequently Asked QuestionsQuestions Are Free.
Questions Are Free.
So Are Honest Answers.
If you are unsure whether you have a claim—or whether your insurer handled it correctly—start with a conversation.
Ask About My Situation →What is a public adjuster?+
A public adjuster is a licensed insurance professional who represents the policyholder—not the insurance company—in preparing, documenting, and negotiating a property claim.
When should I contact UCAG?+
As early as possible after discovering damage. We can also review a denied, underpaid, delayed, or closed claim to explain the available options.
How does UCAG get paid?+
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.
Can you review my policy if I do not have a claim?+
Yes. Our free policy review is available to anyone, including property owners comparing multiple policies before purchasing coverage.
Do you represent homeowners and businesses?+
Yes. We assist residential, commercial, rental, and vacation-property owners with covered property losses.
You Pay Nothing
Unless We Win.
Schedule your free consultation today.
✓No Fees Unless
We Win▣No Obligation
Case Review◎100% Focused on Maximizing
Your Recovery
We Win▣No Obligation
Case Review◎100% Focused on Maximizing
Your Recovery
▣ Schedule Your
Free Consultation☎ (405) 856-8008Corporate Mailing Address
3033 NW 178th Street, Suite B-131
Edmond, OK 73012
Free Consultation☎ (405) 856-8008Corporate Mailing Address
3033 NW 178th Street, Suite B-131
Edmond, OK 73012