Charlotte, NC · Denied & underpaid claims
Insurance claim denied or underpaid?
Bring the letter or the estimate from your homeowners or business insurer. A licensed public adjuster reads it free and tells you where you stand.
Free review · No up-front fees · NC license #8627837
Free claim review
Tell us what the insurer decided.
Just your name and phone to start. We’ll contact you to talk through your options.
- Free review of the letter or estimate
- No up-front fees
- Homes and commercial properties
Prefer to talk it through? Call (704) 286-0707
- Licensed in North Carolina
Public adjuster license #8627837, held by Ramon Melo
- For policyholders only
We never work for an insurance company
- Licensed since 2011
Ramon Melo has been a licensed adjuster since 2011 and a public adjuster since 2019
- Open 24/7
A local Charlotte office, answered day and night
The free review
What we look at
Send the denial letter or the insurer’s estimate, or just tell us what it says. We read it with our Charlotte team at no cost.
- 01
What the insurer relied on
The policy wording, exclusions or conditions the denial letter cites, and whether they fit what actually happened to the property.
- 02
What the estimate leaves out
Line by line, the repairs, materials and rooms the insurer’s estimate prices, set against the damage you have.
- 03
What your coverage provides
The building, your belongings and, where it applies, additional living expenses or business income, with the limits and deductibles.
- 04
Where you stand
Our honest view of whether the decision or the number can be challenged, and whether a public adjuster is the right help. If it isn’t, we’ll say so.
Separate from the free review
If you hire us to challenge it
If the review shows the claim is worth more than the insurer says and you decide to go ahead, we sign a written agreement and take on the claim work for you.
Our fee is a percentage of the claim, agreed in writing before any work starts, and there are no up-front fees.
- A response to the denial
We set out, with evidence, why the loss should be covered and ask the insurer to reconsider.
- Our own estimate
A detailed scope and price of the repairs to set against the insurer’s figure.
- Supplemental claims
Damage found after the first estimate, documented and presented to the insurer.
- Negotiation with your insurer
We present the claim, negotiate it and keep you informed as it moves.
Who you’ll talk to
A Charlotte firm that works only for policyholders
Melo Public Adjusters Charlotte is an independent public adjusting firm in Charlotte, NC. We represent property owners and never work for an insurance company.
NC firm license #1000684727
A licensed adjuster since 2011, and a public adjuster since 2019
North Carolina public adjuster license #8627837
From our client reviews
“Fast, professional, and highly informed. I was happy with all aspects of the job. Would absolutely recommend to any friends and family.”
“These guys are the BEST! Totally saved my life after a water line in my home got busted. They go above and beyond and really care. Thank you so much!!”
Common questions
Before you get in touch
Something else on your mind? Ask us at (704) 286-0707, day or night.
My claim was denied. Is it worth a second look?
Often it is. A denial letter gives the insurer’s reasons, and they can rest on a reading of the policy or the facts that does not hold up. The free review tells you whether yours does.
The insurer paid, but not enough to fix the damage. Can you help?
Yes. We compare the insurer’s estimate with the damage and the cost of the repairs, and tell you what may be missing.
I already cashed the check. Is it too late?
Not necessarily. A claim can often be reopened or supplemented after a first payment, depending on the policy, the time limits in it and what was signed. Tell us when you get in touch.
Are there deadlines I should know about?
Yes: policies set time limits for disputing a claim, appraisal and lawsuits. Tell us any dates in the letter when you call. A review request does not extend them.
What does it cost?
The review is free, and you are under no obligation to hire us. If you do, our fee is a percentage of the claim, agreed in writing before any work starts, and there are no up-front fees.
Are you a lawyer?
No. A public adjuster handles the insurance claim for the policyholder and cannot give legal advice. If your claim needs an attorney, we will tell you.
Find out if the insurer got it right.
Free review, no obligation. Your name and phone are all we need to start.
Serving Greater Charlotte, Huntersville, Concord, Gastonia, Monroe, Matthews and nearby North Carolina communities.