I’m Jabber Al-Bihani — independent adjuster, appraiser, and founder of Civil Adjusters. For seven years, carriers and TPAs have sent me everything from everyday claims to their most complex losses. More than 4,000 files closed, and counting.
Every file is welcome here — large losses are my specialty, and steady daily volume always has a lane. A desk you can rely on for property and commercial claims and consulting — clear estimates in Xactimate & Symbility, reports that follow your guidelines, delivered on time. When the structure itself is in question, my engineering background backs up the scope. Serving NY, NJ & CT, including Long Island and Westchester.
Residential and commercial claims, every major peril. From everyday files to seven-figure losses, I handle your volume with the same turnaround and the same documentation — turn-and-burn or cradle-to-grave, first inspection to closed file.
Appraisal
I sit as appraiser on disputed claims — large loss files, supplements, impartial appraisals — with documentation that holds up at the table.
Estimating
Clear estimates in Xactimate and Symbility, delivered on deadline. Mitigation estimates follow IICRC S500 guidelines; rebuild estimates follow building code, standard reconstruction and restoration practices, and your carrier guidelines. No chasing, no surprises.
Building Consulting
Consulting on large and structural losses — collapse, commercial fire, major storm damage. A civil engineering background (BS & MS) sits behind every scope, so the files other adjusters escalate can land here.
Liability Field Inspections
On-site inspections for liability claims: scene conditions, photos, measurements, and a clean, factual report your examiner can act on.
FireWaterWind & HailFloodFreezeTheftCollapseCommercial FireTotal Loss
Experience
Experience & track record
APR 2019 — PRESENT
Property Adjuster / Appraiser
Civil Adjusters (Independent) — Founder
I built Civil Adjusters from the ground up into a practice carriers and TPAs trust with both everyday volume and their hardest files — more than 4,000 residential and commercial claims closed across every major peril, including 500+ over $100K and 45 over $1M.
The job, as I see it: help you close. And when a catastrophe pulls other adjusters out of state, I stay put — keeping your daily files, storm claims, and reinspections moving right here.
FEB 2019 — APR 2021
VP, Engineering Operations
Vibranalysis — New York, NY
Lead Monitoring Engineer on NYC's Palace Theatre project for two years. Built and ran construction monitoring programs generating $3M in monthly revenue, and performed building condition surveys under the NYC Building Code.
NOV 2011 — APR 2016
Civil Engineer & Property Condition Surveyor
MRCE — New York, NY
2,000+ pre- and post-construction condition surveys across the Northeast — handling the field work, lab testing, and reporting. After Superstorm Sandy, I led an engineering reconnaissance team in NYC, seeing coastal structural damage firsthand at storm scale.
Credentials & Carriers
The paperwork behind the work
Licenses & Certifications
Licensed AdjusterNY · TX · LA · FL · SC
FEMA NFIP Registered AdjusterFlood
HAAG Certified InspectorWind
CEACalifornia Earthquake Accreditation
Estimating PlatformsXactimate · Symbility
XactimateLevel 1 Certified
State Farm Property & EstimaticsCertified
Field Capture & DocsHOVER · Matterport · DocuSketch · ITEL
AI WorkflowClaude · Google AI Studio
Engineer in TrainingPA · NY
BS & MS, Civil EngineeringTemple · 2010 / 2011
Carriers & TPAs Serviced — A Sample
AllstateTravelersAIGZurichProgressiveAmicaHeritage / NBICKingstoneVaultSageSure / IATNatGenAMIGUPCUPCICSwyfftProctor Loan ProtectorACMUSLIAndoverKemperVelocity RiskWestern WorldConstitutionNYPIUAAFICSAssurantPlymouth Rock
The wall above is a sample. In total, 40+ carriers and 20+ TPAs have trusted me with their files — national names alongside regional and E&S markets.
Field Documentation
How I document a loss
A file is only as strong as its documentation. I photograph, measure, and sketch every loss so the estimate holds up to review — from the pitch gauge on the shingle to the elevation drawing in the report. A sample from recent files:
PH-01Right Elevation, Loss Location — Fire DamagePH-02Front Slope (Left Corner) — Tarped Roof (Nailed Down)PH-03Cause of Loss — Fallen Tree Diameter (20 in.)PH-04Bedroom, Main Level — Demo to Wall & Exposed Framing. Damaged FloorsPH-05Den, Basement — OverviewPH-06Bedroom, Level 2 — Loss Location. Damaged Base Walls & FlooringPH-07Roof, Front Slope — Overview. Two Skylights NotedPH-08Roof, Front Slope — Pitch Verified (Angle Gauge)PH-09Commercial Roof — Overview. Silver-Coated Flat w/ ParapetsPH-10Front Elevation, Attached Garage — Flood Line @ 18 in.PH-11Lounge, Basement — Loss Location. Deformation Noted to Trim & Paneling at Base Walls & Openings
Numbered, dated, captioned. The full annotated photo report ships with every file.
PH-12 … PH-XXFull Photo Report — Included with Every Assignment
Proficient in Both — Xactimate & Symbility
Every file ships with a full Xactimate or Symbility package: dimensioned floor plans, wall elevations, line-item estimates with RCV/ACV breakdowns, and an annotated photo report. When the file calls for it, I also submit Ladder Assist reports, ITEL samples, HOVER and Matterport captures, DocuSketch scans, and reviews of public adjuster documents.
My daily territory. New York, New Jersey, and Connecticut — including Long Island and Westchester, where coastal weather and older housing stock keep claims complicated.
NYNJCTLong IslandWestchester
When storms hit. When a catastrophe pulls adjusters out of state, I stay put and absorb the surge — your daily files, storm claims, and reinspections keep moving. Licensed in five states and NFIP-registered for flood, for whenever you need it.
NYTXLAFLSC
Assign a File
Have a hard file? Let’s get it closed.
Fill out the intake and it lands straight on my master sheet — I'll get back to you the same business day. Daily, storm, appraisal, or a disputed large loss. Anything else, find me on LinkedIn.
