Our Services
Comprehensive Claim Advocacy for Every Loss Type
From storm damage to denied claims, we prepare, document, and present your case to the insurance carrier — so you receive the full settlement your policy entitles you to.
What a Public Adjuster Does for You
Your insurance company has adjusters working on their behalf. You deserve the same professional representation on yours. As licensed public adjusters, we review your policy, document every element of your loss, and negotiate directly with the carrier — removing the burden from you at the most stressful time.
We work on a contingency basis, which means we are only compensated when you receive a settlement. Our interests are fully aligned with yours.
Residential
Residential Claims
Your home is your most valuable asset. When damage occurs, the claims process can be overwhelming. We handle every step — from initial inspection to final settlement — so you can focus on your family.
Storm & Wind Damage
High winds, tornadoes, and severe storms can cause extensive structural damage that is often underestimated by carrier adjusters. We document every affected component — roofing, siding, windows, gutters, and structural framing.
- Lifted or missing shingles
- Damaged fascia and soffit
- Dented gutters and downspouts
- Cracked or broken windows
- Interior ceiling stains following a storm
We conduct a thorough inspection, engage qualified contractors for scope estimates, and present a fully documented claim package to the carrier.
Request a claim reviewHail Damage
Hail damage is frequently missed or minimized by insurance adjusters. Impact damage to roofing, siding, HVAC units, and skylights requires expert identification and documentation.
- Circular impact marks on shingles
- Dented metal flashing or vents
- Cracked skylights
- Damaged HVAC condenser fins
- Bruised or granule-loss areas on roofing
We use industry-standard inspection protocols and weather data to establish the date and severity of the hail event, then document every affected surface.
Request a claim reviewFire & Smoke Damage
Fire losses involve not only structural damage but smoke infiltration, odor, and contents losses that extend far beyond the visible burn area. We ensure the full scope is captured.
- Smoke odor in unaffected rooms
- Soot on walls, ceilings, or HVAC ducts
- Discoloration of surfaces beyond the fire area
- Damaged or destroyed personal property
- Structural compromise from heat
We inventory structural damage, smoke and soot migration, contents losses, and additional living expenses — presenting a comprehensive claim that reflects the true cost of your loss.
Request a claim reviewWater & Plumbing Damage
Burst pipes, appliance failures, and sudden water intrusion can cause hidden damage behind walls and under flooring. Prompt and thorough documentation is critical.
- Warped or buckled flooring
- Stained or sagging ceilings
- Mold or mildew odor
- Peeling paint or wallpaper
- Elevated moisture readings in walls
We document the source, migration path, and full extent of water damage — including hidden moisture — and coordinate with remediation professionals to ensure the scope is complete.
Request a claim reviewRoof Damage
Roof claims are among the most contested by insurance carriers. We provide detailed photographic documentation and professional scope estimates to support your claim.
- Missing, cracked, or curling shingles
- Granule accumulation in gutters
- Interior water stains or leaks
- Damaged ridge cap or flashing
- Visible daylight through roof boards
We assess the full roofing system — decking, underlayment, flashing, ventilation, and surface material — and document all damage in a format carriers are required to address.
Request a claim reviewCommercial
Commercial Claims
Commercial property losses carry additional complexity — business interruption, equipment damage, tenant considerations, and policy sublimits all require expert navigation.
Commercial Property Damage
Office buildings, retail spaces, warehouses, and multi-family properties require specialized documentation that accounts for building systems, tenant improvements, and code upgrade requirements.
- Structural damage to the building envelope
- Damage to mechanical, electrical, or plumbing systems
- Roof or facade damage
- Interior damage affecting tenant spaces
- Code compliance issues triggered by the loss
We engage commercial contractors and engineers as needed to produce a complete scope of loss, and we review your policy for all applicable coverages including code upgrade and ordinance provisions.
Request a claim reviewBusiness Interruption
When a covered loss forces a business to close or reduce operations, business interruption coverage is designed to replace lost income. These claims are complex and frequently underpaid.
- Forced closure due to property damage
- Reduced revenue during the restoration period
- Extra expenses incurred to continue operations
- Loss of key customers or contracts during closure
- Payroll and fixed costs continuing during shutdown
We analyze your financial records, policy language, and the period of restoration to prepare a business interruption claim that accurately reflects your actual economic loss.
Request a claim reviewSpecialized Advocacy
Specialized Advocacy Services
Beyond initial claim filing, we provide targeted services for policyholders who have already received an inadequate response from their carrier.
Denied Claims
A denial is not the end of the road. Many claims are denied on technical grounds that can be challenged with proper documentation and policy analysis.
- Denial citing 'wear and tear' on a storm-damaged property
- Denial based on alleged pre-existing conditions
- Denial without a thorough on-site inspection
- Denial citing a policy exclusion that may not apply
- Denial of a claim you believe is clearly covered
We review the denial letter, your policy, and the inspection record to identify grounds for appeal — then prepare and submit a formal rebuttal with supporting documentation.
Request a claim reviewSupplemental & Underpaid Claims
If you accepted a settlement that did not cover the full cost of repairs, or if additional damage was discovered after the initial settlement, you may be entitled to a supplemental payment.
- Contractor estimates significantly exceed the insurance estimate
- Damage discovered during repairs not included in the original scope
- Depreciation withheld but not released after repairs
- Code upgrade costs not included in the settlement
- Contents or personal property not fully compensated
We prepare a supplemental claim package documenting the gap between the original settlement and the actual cost of restoration, and we negotiate directly with the carrier for the additional payment.
Request a claim reviewClaim Documentation & Preparation
Proper documentation from the outset is the foundation of a successful claim. We prepare complete, carrier-ready claim packages that minimize disputes and delays.
- You are unsure what your policy covers
- You have not received a written scope of loss from the carrier
- The carrier's estimate seems incomplete
- You are being asked to sign documents you do not fully understand
- The claim process has stalled without explanation
We review your policy, photograph and measure all damage, prepare a detailed scope of loss, and compile all supporting documentation into a professional claim package.
Request a claim reviewCarrier Communication & Negotiation
Communicating with insurance carriers requires knowledge of policy language, claims procedures, and negotiation strategy. We handle all carrier correspondence on your behalf.
- You feel pressured to accept a settlement quickly
- The carrier is not responding to your inquiries
- You do not understand the carrier's position or estimate
- You are being asked to provide recorded statements
- The claim has been open for an extended period without resolution
We serve as your authorized representative in all communications with the carrier — handling correspondence, attending inspections, and negotiating settlement on your behalf.
Request a claim reviewNot Sure Which Service Applies to Your Situation?
Contact us for a no-obligation claim review. We will evaluate your loss, review your policy, and tell you honestly whether we can help — and what we believe your claim is worth.