Engle Martin & Associates

Engle Martin & Associates

Engle Martin & Associates operates out of Atlanta as an independent loss-adjusting and claims-management firm serving the commercial property and casualty insurance industry. Founded by Chairman Kevin Martin and run by President and CEO John Engelman, the firm functions as an outsourced claims-resolution layer for carriers and corporates — a structural posture that grew from handling regional property losses in the Southeast to adjusting some of the largest commercial claims in North America. The firm deploys adjusters, forensic accountants, engineers, and construction specialists across product lines including property, liability, inland marine, and construction risk. Its primary mandate is not capital allocation but labor-and-expertise deployment: hundreds of field professionals fan out after a hurricane, a plant explosion, or a large-scale builders-risk loss to quantify the bill the insurer will ultimately pay. Engle Martin does not take balance-sheet risk; its revenue model ties to fee-for-service billing on a per-claim basis, producing an operating cashflow stream that is uncorrelated with equity markets and priced on the complexity of the loss rather than the fate of an investment portfolio. Confirmed assignments include the multi-billion-dollar Hurricane Michael claims portfolio (per Insurance Business America, 2018) and large-loss commercial engagements following Hurricane Ida (per the firm's official communications, 2021). With ten offices across the continental US and a roster that includes most major domestic carriers as clients, the firm operates at a scale that makes it a consolidator in a still-fragmented adjusting market. In August 2022, the firm acquired Globe Midwest Adjusters International, a Michigan-based commercial-loss shop, extending its geographic reach into the Midwest and adding specialized manufacturers-loss capability (per Insurance Journal, August 2022). The firm also maintains a standalone forensic accounting and business-interruption practice — a high-margin adjacent unit that feeds directly from the same carrier relationships that drive the core loss-adjusting volume. Engle Martin's genuine structural differentiator is the rarity of an independent adjusting firm of its size in a market where scale alone is a moat. Insurance carriers value independence — they do not want the conflict of an adjuster owned by a competing carrier — and the firm's decades-long independence makes it a neutral platform that can take mandates from any carrier panel. That positioning, paired with a multi-generational leadership transition from the founding partners to a professional management team, turns what looks like a commoditized service business into an essential, non-disintermediated piece of the insurance supply chain.