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Need a Claims Adjuster in Charlotte, NC?

Licensed North Carolina public adjusters for Charlotte homeowners and businesses: we work for you, never for the insurance company.

  • Free claim review
  • No up-front fees
  • Our fee comes only from the extra we recover
Call 24/7, free(704) 286-0707

Expect a 5-star experience

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  • Licensed in North CarolinaPublic adjuster license #8627837, held by Ramon Melo
  • For policyholders onlyWe never work for an insurance company
  • Licensed since 2011Ramon Melo has been a licensed adjuster since 2011 and a public adjuster since 2019
  • Open 24/7A local Charlotte office, answered day and night

Your #1 Claims Adjuster in Charlotte, NC - Available 24/7

Your top choice for independent insurance adjusters.

Melo Public Adjusters Charlotte is a company with a backbone. Our public adjusters will go up to bat for you when the insurance company wants to play games. You can count on our property claims adjusters to always have your best at heart. As our client, you'll always be our top priority, which means we'll fight tooth and nail to get you the property and damage loss claims that your insurance company owes you, and we won't settle for a penny less.

Our specialties include property damage appraisal and mediation, pre-loss and disaster planning, and damages incurred by specific disasters like fire and flooding. Whether a hurricane's remnants dropped a tree on your roof or a frozen pipe flooded your basement, we know what Charlotte-area claims look like. Soon, you'll be able to see for yourself. Get in touch with our office today to schedule an appointment.

Call today (704) 286-0707
Damage assessment team with clipboards on a storm-hit street

Our Extraordinary Claims Adjuster Services

Our Experienced Insurance Adjusters Have What it Takes

When you seek out help from our claims adjusters, you are going to receive the best possible service with the results you want. Our team of public adjusters is always on your side. The insurance companies may think they can get away with giving you a fraction of the settlement that is due to you, but our team is here to make sure that doesn't happen. It's our duty to explain your insurance policy in terms you can understand so you are aware of every clause and loophole. With a Melo Public claims adjuster in Charlotte you'll get:

  • Complete transparency
  • A public adjuster who'll go the extra mile
  • Satisfactory claims compensation

A great insurance adjuster knows how to read between the lines of your insurance policy. When you choose Melo, no stone will be left unturned. Are you ready to schedule a consultation with us today?

Schedule an estimate
Homeowner and inspector walking a tornado-damaged property

Property Damage Appraisal & Mediation in Charlotte, NC

When property damage occurs, it can be a stressful and overwhelming time. The last thing you need is your insurance company not holding up their end of the bargain. When you and your insurance company cannot agree on a satisfactory settlement, our team of claims adjusters in Charlotte will advocate for you. You never have to settle for what the insurance company is offering no matter what they try to tell you. Melo Public Adjusters Charlotte will:

  • Mitigate property loss
  • Determine whether to file a claim or not
  • Make the insurance company an offer on your behalf
  • Explain your insurance policy to you

Our property damage claims adjusters are coming to your rescue. With Melo, you're never left to your own devices in a very complicated and confusing insurance world. What questions can we answer for you today?

Call (704) 286-0707
Officials tallying damage at a fire-destroyed home

Professional Pre-Loss & Disaster Planning in Charlotte

Disaster can strike at any moment. Whether it be natural or an act of vandalism, as a property owner, you need to be prepared. Our hope is that you'll never suffer property loss or damages, but if you do, our team at Melo Public Adjusters Charlotte will have all of your documents in order BEFORE a tragedy strikes. Our claim adjusters in Charlotte offer pre-loss and disaster planning before hurricane season and winter ice storms arrive. Here is a short list of how we can help:

  • Assessing property condition
  • Take account for all inventory (business owners)
  • Provide professional risk analysis
  • Assistance after a property loss has occurred

Pre-loss and disaster planning is not a service that can wait because you simply do not know what the future holds. One thing you can be sure of is that our claims adjusters in Charlotte will make sure you're covered if an unfortunate event should happen. Are you ready to get the ball rolling? Call us!

Get a free claims review
Portable generator on the patio of a brick home

Local Builders Risk Policy Adjustment Services

With new homes and buildings going up all over the Charlotte region, many contractors carry builders' risk insurance without fully understanding the coverage, and that's okay! Our team of claims adjusters in Charlotte are here to review your policy and put it into more precise terms. Should disaster happen, and you need to file a claim, we can review the settlement that is being offered and your policy to ensure the insurance company isn't giving you the runaround. Melo Public Adjusters Charlotte will:

  • Explain all the details of your insurance policy
  • Determine which property is covered and what is excluded
  • Decipher all named insured entities
  • Make sure you fully understand the conditions of your policy
  • File property loss claims

The time is now to protect yourself. Builders' risk insurance is hugely daunting, especially when you need to file a claim. We're here to help you through this trying time and get you the settlement you deserve. Are you ready to take this next step in your business?

Call now (704) 286-0707
New roof framing on a home being rebuilt after a tornado

How it works

How we get your claim paid

  1. Tell us what happened

    Call or send the form. The review is free and there is no obligation.

  2. We document the whole loss

    We inspect the damage, read your policy and price every line of the repair.

  3. We negotiate with your insurer

    You stop chasing the adjuster. Our fee is a share of what we add to the settlement.

Expect a 5-star experience

Licensed public adjusters in Charlotte · Free claim reviews, 24/7

  • Fast, professional, and highly informed. I was happy with all aspects of the job. Would absolutely recommend to any friends and family.
    Trey Edwards
  • 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!!
    Bethany Simonetti

Our Claim Adjuster Service Areas

Melo Public Adjusters Charlotte looks forward to helping you process your property loss insurance claims so that you are treated nothing less than fairly. We proudly serve the areas of Charlotte, Huntersville, Concord, Gastonia, Monroe, and Matthews. We hope to speak with you soon!

Get a Second Opinion on Your Claim, for FREE!

Melo Public Adjusters Charlotte will do all that they can to ensure the insurance companies are treating you fairly! Call us at (704) 286-0707