Our Services

The Kernaghan Difference

Serving Canada 24 hours a day, 365 days a year, for over 60 years.

At Kernaghan Adjusters we provide clients with dependable claims service across North America 24 hours a day, 365 days a year. Kernaghan Adjusters is an all-service independent adjusting firm; our adjusters provide expert risk management and claims service in the following areas:

Core Services

Specialty Services

KEA (Kernaghan Electronic Adjusting)

Core Services:

Commercial Property

photoOur adjusters handle a wide range of losses caused by a variety of insured perils. Whether the claim involves a simple retail store or a complex manufacturing operation, clients can depend on us to provide a thorough and efficient investigation and quantification of the loss.

Investigative Issues:

  • Determination of suspicious losses
  • Securing the loss scene
  • Preservation of evidence
  • Appointment of specialist engineers and investigators
  • Analysis of policy coverage
  • Engage specialist legal counsel on complex coverage issues
  • Review subrogation potential

Loss Quantification:

  • Preparation of building damage scope of repairs
  • Preparation of detailed site sketches
  • Auditing of contractors estimates and invoices
  • Verification of stock and equipment losses
  • Quantification of Business Interruption Losses
  • Verification of compliance with co-insurance requirements

Personal Property

photoWith their many years of experience, our adjusters provide clients with a high level of personal service in the area of personal property claims.  We handle the following types of contents and building losses:

Investigative Issues:

  • Mobile homes
  • Single apartment owners
  • Attached dwellings
  • Detached private dwellings
  • Attached and high rise strata buildings
  • Apartment complexes

We also respond to Insurers on the following:

  • Case-by-case full handling assignments
  • Specified task assignments
  • Portfolio accounts with specified limits of authority
  • Portfolio accounts with specified limits of authority and trust account management

At KA we investigate each loss carefully to ensure coverage under the policy. These investigations are similar to those undertaken on commercial losses and are often just as detailed. We take extra care on contents losses to ensure that claim costs are contained. Our adjusters audit replacement quotations to ensure that recommendations are based on likekind and quality items. Through online research, we investigate manufacturers’ and retailers’ pricing to ensure that replacement quotations are fair and accurate.

Service Locations

Doing What is Right®





Preferred Adjusting Solution:

"Since Kernaghan [Adjusters] has been our approved contract adjuster, and indeed the preferred adjuster for all our claims, we have been delighted with their constant commitment to excellence, prompt service, knowledge, and professionalism." More.

Did You Know?

In the 1960's, Kernaghan Adjusters became the first privately owned independent adjusting firm in Canada to provide national service.