It is with deep sorrow that the Charrier family announces the passing of Joseph “Joe” R. Charrier, 61, of York County, Maine, on August 1, 2025, after a short but courageous battle with pancreatic cancer. He is now at peace in heaven.

Joe is survived by his best friend and beloved wife, Karen (Fogerty), He deeply loved and was proud of his children: Daughter Danielle and her husband Jeremy; Son Tyler and his wife Caitlin; Son Colby; Son Mason and his partner Grace; Son Noah and his partner Lauri; Daughter Abigail and her partner Michael; and honorary son Tyler Abbott.

Also surviving Joe are his adored grandchildren, Liv, Rye, Peyton, and Cooper; his sister, Susan Robinson, and her husband Joseph; and two nieces, Krista and Brianne.

Joe was preceded in death by his parents, Beverly (Blake) Charrier and Norman Charrier; his brother, Ronnie Charrier; his nephew, Joesph “J.P.” Robinson; and his favorite Lab, Phiesty Girl.

Joe was born on Nov. 9, 1963, in Westbrook, Maine, and graduated from Gorham High School in 1981. He loved playing baseball and basketball for the Gorham Rams, and in recent years, watching granddaughter Liv play softball was one of his greatest joys. Other passions included supporting college sports, especially the Oregon Ducks; rooting for Ford in NASCAR races; cheering on the Pittsburgh Steelers and L.A. Lakers, usually from his living room with his Labs Autzen, Phiesty and Phelps at his feet.

Business and pleasure took Joe around the country and the world. He and Karen attended Oregon Ducks football games, caught Eric Clapton and Paul McCartney several times in concert, spent countless long weekends flying over the pond to London or headed to Disney World using their annual passes.

As a youth, Joe designed sports stadiums with cardboard, teaching himself design and construction. Building became Joe’s lifelong passion, and he built hundreds of beautiful homes across Maine. His most cherished building project was his own antique reproduction Colonial-style home, which he and Karen built together.

Joe combined his knowledge of construction and insurance policy as a public adjuster with National Fire Adjustment in Buffalo, N. Y. He was licensed in 42 states, Puerto Rico and the US Virgin Islands. He fought tirelessly for his residential and commercial clients on a local and national level and was respected for his knowledge of policy achieving the highest distinctions in his field.

One of Joe’s enduring impacts came from his challenge to a Maine law that prohibited licensed public adjusters like him from speaking with policyholders within 36 hours of a loss. The U.S. Federal Court ruling in National Fire Adjustment Co. v. Superintendent of Insurance resulted in the overturn of the law and the reinstatement of policyholders’ constitutional right to consult with a public adjuster immediately after a loss. The landmark decision was a significant victory for policyholders in Maine and in any state where similar restrictions existed.

Beyond his professional achievements, Joe was known most for his generous spirit. He was a loyal friend, a devoted father, and a loving husband. No matter the situation, he was always a call away with the right answer or solution. He had a way of showing up before anyone knew he was needed. Joe was exceptionally smart and funny. His intellect and sense of humor will forever be remembered. He stayed focused under pressure and was never afraid to roll up his sleeves—whether on a job site or in life. His motto was “Go big or stay home,” and he made sure he lived it out every day.

The family has chosen to remember Joe privately. In lieu of flowers, donations in his name may be made to the charities he supported: St. Jude Children’s Hospital, Animal Welfare Society of Kennebunk, Tunnel to Towers, and, more recently, the American Cancer Society and Hospice of Southern Maine. Or simply lend a hand to someone in need—just as Joe always did

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