I am Ashley Humbyrd, a public adjuster at L & M Public Adjusters located in Wakefield, RI. I represent policyholders—not insurance companies—throughout Rhode Island and Connecticut. My job is to level the playing field by making sure you receive the full and fair settlement you’re entitled to after a loss. At L & M Public Adjusters, we specialize in both residential and commercial claims, guiding homeowners and business owners through the complex insurance process from start to finish. Whether it’s fire, water, storm, or another type of damage, we carefully evaluate your policy and advocate on your behalf.

We also provide free inspections to identify damages that may not be obvious, ensuring nothing is overlooked in your claim. I will consult with you on how to move forward with your claim at any point in the process. Whether you are yet to file a claim or if you have already received a settlement, I can help you. My goal is to remove the stress of dealing with insurance carriers, so you can focus on getting back to preloss conditions. I am here to get your loss covered and negotiate a fair and equitable settlement that works for you. 

I am a Rhode Island native with a passion for helping others. After graduating from the University of Rhode Island in 2005 with a Bachelor of Arts in English and a Bachelor of Science in Elementary Education, I spent 13 years teaching middle school English. For the past three years, I’ve been working for L & M Public Adjusters, where I’ve found my true calling—advocating for policyholders. I take pride in guiding policyholders through the insurance claim process, ensuring they receive the settlements they are entitled to during some of life’s most challenging moments.