Charlotte, NC · Fire & smoke damage claims
Fire insurance claim help in Charlotte
A licensed public adjuster reviews your coverage, the damage and any estimate from your insurer, free and with no obligation.
Free claim review
Tell us where your fire claim stands.
Just your name and phone to start. We’ll contact you to talk through your options.
- Free review, no obligation to hire us
- 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
The free review
What you get from the review
A conversation with our Charlotte team about your fire claim, at no cost. Share whatever you have; nothing is required to start.
- 01
Your coverage
What your policy provides for the building, your belongings and, where it applies, additional living expenses or business income, with the limits and deductibles.
- 02
The full extent of the damage
Fire and heat, smoke and soot, and water from putting the fire out. Smoke damage can reach rooms the fire never did.
- 03
The insurer’s estimate or offer
If you have one, we look at what it includes and what it may leave out, compared with the damage and your coverage.
- 04
A clear next step
Our view of where the claim stands and whether hiring a public adjuster makes sense for it. If it doesn’t, we’ll say so.
Separate from the free review
If you hire us to represent your claim
If the review shows we can help and you decide to go ahead, we sign a written agreement and take on the claim work for you.
No up-front fees. Our fee is set out in that agreement, so you know it before you decide.
- Policy review
What your coverage provides for this loss, and what it asks of you.
- Loss documentation
The building, your belongings and, where covered, living expenses or business income.
- Scope and estimate review
A detailed account of the repairs, set against the insurer’s estimate.
- 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 at 2128 Remount Rd STE B. We represent property owners and never work for an insurance company.
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!!”
I’ve already filed my claim. Can you still help?
Often, yes. We review claims that are just starting, underway or already have an offer. Whether we can take yours on depends on your policy, the facts and any deadlines that apply.
Will my policy cover the fire damage?
That depends on your policy’s terms and the facts of the loss: what was damaged, how, and the limits and deductibles that apply. It is what the free review looks at.
How is a public adjuster different from the insurance company’s adjuster?
The adjuster your insurer assigns works for the insurance company. A public adjuster is licensed by the state to represent the policyholder. If you hire us, we work on your side of the claim; we never work for insurance companies.
What does it cost?
The review is free, and you are under no obligation to hire us. If you do, there are no up-front fees, and our fee is set out in a written agreement you see before you decide.
What should I have ready?
Nothing is required to start. If you have them, your policy, claim number, photos of the damage and any estimate or letter from your insurer help us give you a more specific answer.
Do you do fire cleanup or repairs?
No. We handle the insurance claim. Board-up, cleanup and rebuilding are done by a restoration company or contractor.
Find out where your fire claim stands.
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.