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Hiring A Professional Insurance Adjuster in Charlotte, NC

A licensed public adjuster works for you, the Charlotte policyholder, not for your 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

What Our Insurance Adjuster in Charlotte Will Do for You

A professional insurance adjuster in Charlotte, NC, is an advocate for the policyholder and not the insurance company. The primary purpose of the public adjuster is to make sure that the insurance company is handling the property loss claim appropriately. Public adjusters licensed by the North Carolina Department of Insurance, such as Melo Public Adjusters Charlotte, can legally represent the rights of the policyholder during the claims process.

A public adjuster can often increase the settlement amount that the insured receives from the insurance company. Remember, the public adjuster is on your side. Your insurance company will see the adjuster as their adversary and for good reason because they keep the claimant from being taken advantage of through an unfair settlement compensation. Are you ready to have our team on your side?

Get a claims review
Inspector taking notes with a homeowner in a flood-damaged room

Insurance Adjusters are Great for Pre & Post Disaster Plans

There are many reasons to hire an insurance adjuster in Charlotte. Everyone who owns property benefits from having a public adjuster in their corner. Our independent claims adjusters can help you with pre-disaster planning as well as filing claims after tragedy has already happened. Melo Public Adjusters Charlotte helps clients from all walks of life and backgrounds navigate the realm of insurance appraisals, mediation, and much more. Some of what our adjusters do includes:

  • Prepare detailed scope and cost estimates using field experts like toxicologists, remediation, and construction engineers
  • Accurate insurance policy interpretation so policyholders can understand their rights
  • Negotiate with insurance companies to recover a fair and just final settlement

Our team of public adjusters will represent you as the policyholder and will advise, maintain, and submit claims to the insurance carrier. It's our job to muddle through the fine print, so you don't have to worry about whether you're interpreting the insurance jargon accurately or not. We're more than ready to help you with your claims. Call us!

Call (704) 286-0707
Uprooted tree beside a building in North Carolina after Hurricane Matthew

Hiring an Insurance Adjuster is Extremely Beneficial

After experiencing a property loss due to fire, flood, a fallen tree, or another natural disaster, it is overwhelming to think about having to deal with the pushy insurance company on your own. Melo Public Adjusters Charlotte makes it, so you don't have to walk this road alone. Utilizing the expertise of a public adjuster ensures you don't miss a thing when submitting your claims. The duties of an insurance adjuster include:

  • Go over existing insurance policies and determine what coverage may apply to the claim
  • Research, record, and prove damage to property, content, and any other expenses
  • Determine business interruption losses
  • Evaluate costs for settling covered damages
  • Gather together documents and proofs that support the claimant
  • Negotiate an appropriate settlement with the insurance carrier on behalf of the policyholder
  • Re-open a claim and negotiate for more compensation if a discrepancy is found after a claim has been settled

As a public adjuster, our company is here for you. We do not represent the insurance company. You, the policyholder, are our top priority. You won't pay us a dime until a settlement has been reached. Schedule an appointment with us today.

Get a free claims review
Exterior of a house damaged by fire

Don't Wait to Hire Insurance Adjuster in Charlotte, NC

The role of the insurance claim adjuster is to help the policyholder navigate the water of their insurance company so that claims can be expedited and result in a more lucrative settlement. Engaging with a significant corporation like an insurance company can be stressful and overwhelming.

Our public adjusters take this burden off our client's shoulders and get them on the road to recovery much quicker. We understand that home and business owners need to begin rebuilding their properties as soon as possible, especially business owners who are losing revenue. Let's talk about your situation, shall we? Call now.

Get started
Snapped tree resting on a home after a tornado

Melo Public Adjusters Charlotte Works For You

We've been providing independent insurance adjuster services to the local areas of Charlotte, Huntersville, Concord, Gastonia, Monroe, and Matthews for years. Each one of our adjusters is skilled and highly-knowledgeable in insurance policy interpretation, negotiation, and mediation practices. When you hire Melo you get:

  • Honesty and complete transparency
  • A public adjuster who understands and cares about what you're going through
  • A team of professionals who have your best interest in mind

Our insurance adjusters in Charlotte, NC, will help you with your insurance claims from start to finish. With us on your side, you'll never feel alone in the corporate insurance carrier realm.

Get a free claims review
Houses on Summit Avenue in the Wesley Heights neighborhood of Charlotte

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

Your Local Insurance Adjuster in Charlotte, NC

Melo Public Adjusters Charlotte vows to always go the extra mile to ensure your claims are being handled appropriately by the insurance company. We offer property damage appraisals, mediation, pre-loss disaster planning, and builders risk adjustment. Our team looks forward to working with you.

Property Damage Appraisal

Insurance Claim Mediation

Pre-Loss & Disaster Planning

Builders Risk Adjuster

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