Public adjuster claim services: Frequently Asked Questions

Common questions

Does Melo Property Claims handle storm damage claims?

Yes, we represent property owners with storm and wind damage claims, roof, hail, tornado and hurricane damage included, in the states where we are licensed. We document the damage, can suggest reputable contractors, and negotiate with your insurer for the full amount your policy owes.

Can Melo Property Claims help with a mold damage claim after a leak?

Yes, we assist with water and mold damage claims. Mold can start growing within 24 to 48 hours of water damage, so we respond quickly to evaluate it. Whether mold is covered depends on what caused the water damage and on your policy, and many policies limit mold coverage, so we start by reading yours and then work to get you the money needed for repairs.

Does Melo Property Claims handle fire damage insurance claims for homeowners?

Yes, we handle the documentation and filing for your house fire claim and deal directly with your insurance provider on your behalf, so you can focus on your family instead of battling the insurer over fire and smoke damage.

Does Melo Property Claims handle builders risk insurance claims?

Yes, we help property owners and builders with builders risk claims during construction and renovation projects, covering losses such as theft, fire, weather damage and material lost in transit, as far as the policy covers them, in the states where we are licensed.

Which states does Melo Property Claims work in?

Most states require a public adjuster to hold a license in that state, and the rules on their contracts and fees differ from state to state. Ramon Melo holds public adjuster licenses in North Carolina, South Carolina and Georgia. Our service areas page lists the states where we currently take claims, and you can confirm any adjuster's license with that state's insurance department.

Can Melo Property Claims help with a water damage claim?

Yes, we help property owners file water and mold damage claims. We respond quickly, assess the damage, and work to make sure your claim includes everything the policy owes for repairs. Coverage depends on where the water came from: a sudden burst pipe or appliance leak is often covered, while flooding is not covered by a standard homeowners policy and needs a separate flood policy.