Independent Insurance Adjusting
When the loss is complex,
experience decides the outcome.
Thoroughbred Unlimited, Inc. handles large and complex commercial property, business income, agricultural and catastrophe claims — from first notice of loss through final settlement.
QualityPerformanceIntegrity
Who We Are
A single, senior adjuster on every assignment.
Thoroughbred Unlimited, Inc. is an independent adjusting firm built on four decades of executive general adjusting. Large and complex losses and appraisals are not passed down a bench — they are handled directly by the principal adjuster who was assigned to them.
Our work spans commercial and residential property, business income and extra expense, inland marine and builders risk, agriculture and food, industrial and specialty equipment, and nationwide catastrophe response. We serve carriers, reinsurers, program managers, self-insureds and public entities, and we accept appointments as appraiser and umpire.
What We Handle
Areas of practice
Assignments are accepted nationwide, from single-location property damage to multi-site catastrophe programs.
Commercial & Residential Property
Building, business personal property and related damages — from first inspection and scope through estimate, reconciliation and settlement.
Business Income & Extra Expense
Time-element measurement for manufacturing, service and retail insureds, including period of restoration analysis and extra expense mitigation.
Catastrophe Response
Hurricane, tornado, earthquake, hail and flood deployment with the field discipline and reporting cadence a storm program demands.
Inland Marine & Builders Risk
Course-of-construction losses, builders risk failures, contractors equipment and property in transit or in the care of others.
Agriculture, Farm & Food
Farm property and equipment, poultry and livestock operations, cold storage, and contaminated or spoiled food and beverage product.
Appraisal & Umpire
Appointments as appraiser or umpire in disputed valuations, supported by a documented record and a defensible measure of loss.
Selected Assignments
Losses handled at scale
A representative sample from a career of high-profile, multi-million-dollar claims across the United States.
Cold Storage & Distribution Center
Total loss fire in a 265,000 SF facility, originating with roof-mounted photovoltaic panels. Delanco, New Jersey.
School District Hurricane Loss
Multi-campus wind and water damage across a parish school district following Hurricane Ida. Houma, Louisiana.
Trans-Alaska Pipeline Liability Fund
Property damage and environmental business interruption from the Exxon Valdez oil spill, under the direction of the U.S. Federal Court.
Why Thoroughbred
Named for the standard we hold.
A thoroughbred is bred for one thing: performance under pressure, proven on the record. That is the standard we bring to every file.
- Senior handling, start to finish. The adjuster who inspects the loss is the adjuster who reports on it and settles it.
- Coverage-first discipline. Policy language and the measure of loss are established before numbers are moved.
- A defensible file. Documentation, photographs and reserve reporting built to withstand audit, appraisal and litigation.
- Deployment readiness. Licensed in 26 states, NFIP certified and California Earthquake certified — on the ground quickly when a storm hits.
- Expert coordination. Forensic engineers, accountants, origin-and-cause investigators and equipment consultants managed to a single reporting line.
The measure of an adjuster is not how a routine claim is closed — it is what happens when the loss is the largest one anybody on site has ever seen.
Our Principal Adjuster
Anthony DeCesare
A licensed insurance adjuster who began his career in the independent adjusting business and built a solid background as both an independent and company staff adjuster.
His career led to the handling of a variety of high-profile, multi-million-dollar insurance claims throughout the United States, including assignments such as the Exxon Valdez oil spill on behalf of the Trans-Alaska Pipeline Liability Fund in Alaska, under the direction of the U.S. Federal Court.
He has served as an appointed appraiser and umpire, and has instructed and presented on business interruption, inland marine, arson and fraud, and mega-loss handling at PLRB and LEA conferences nationwide.
Have a loss to assign?
Send the details and we will respond the same business day. Emergency and catastrophe assignments are accepted by phone.