Business Details
Emergency
services
Your Trusted Insurance Claims Adjusters in Charlotte, NC
Melo Public Adjusters Charlotte has been advocating for policyholders in Charlotte and surrounding areas for over 16 years. Our team specializes in property damage claims, offering expert appraisal, mediation, and pre-loss planning services. We work exclusively for policyholders, not insurance companies, ensuring fair compensation for losses from storms, fires, mold, and other disasters. Our contingency-based fee structure means clients pay nothing upfront, only receiving payment when we successfully secure claim overages. With 24/7 emergency services and partnerships with local contractors, we provide comprehensive support throughout the claims process.Our expertise in builders' risk insurance policies and complex claim types like hail damage and smoke restoration sets us apart. We serve Charlotte, Huntersville, Concord, Gastonia, Monroe, and Mathews, combining local knowledge with industry expertise. Our proven track record of achieving 76% higher valuations than standard insurance settlements demonstrates our commitment to client advocacy. We prioritize transparency, explaining policy details in plain language while maintaining strict ethical standards. Our mission remains focused on protecting policyholders from unfair insurance practices through personalized, round-the-clock service.
Services
Property Damage Appraisal
Insurance Claims Mediation
Pre-Loss Planning
Builders Risk Adjustment
Storm Damage Claims
Fire Damage Settlements
Highlights and features
- 20+ years of property damage claims expertise
- Contingency fee structure - no upfront costs
- 24/7 emergency claims assistance available
- Serving 6+ local North Carolina communities
- Partnerships with trusted local contractors
What people say
Fast, professional
Highly informed
Recommend to friends
76% higher valuation
24/7 availability
Services
Property Damage Appraisal
Our certified adjusters assess property damage to determine accurate claim valuations. We review insurance policies and prepare detailed documentation to support your case. Our expertise ensures policyholders receive fair compensation for storm, fire, water, and structural damage claims.
Insurance Claims Mediation
We represent clients during insurance claim mediation processes. Our team prepares necessary documentation, attends mediation sessions, and negotiates settlements when insurance companies undervalue claims. This non-binding process offers cost-effective resolution options for policyholders.
Pre-Loss Planning
Our disaster preparedness service includes property condition assessments and inventory documentation. We help clients understand policy coverage details before disasters strike. This proactive approach streamlines future claims processes and ensures complete documentation for property loss scenarios.
Builders Risk Adjustment
Specialized support for builders' risk insurance claims includes policy analysis and claim filing assistance. We help contractors understand coverage details, file accurate claims, and negotiate fair settlements for construction-related property losses and project delays.
Storm Damage Claims
We handle storm-related claims for hail, wind, and roof damage. Our team documents property damage, interprets policy coverage, and negotiates settlements for residential and commercial properties. 24/7 emergency response ensures timely documentation of weather-related losses.
People
Ramon Melo
Public Adjuster
With 20+ years in property damage claims, Ramon Melo specializes in maximizing insurance settlements. He focuses on policyholder advocacy, explaining complex insurance terms clearly while securing fair compensation for storm, fire, and water damage claims.
Questions
What types of insurance claims do you handle?
We specialize in property damage claims including storm, fire, water, mold, hail, and roof damage. Our services also cover builders' risk insurance and pre-loss planning for residential and commercial properties.
How much do your services cost?
We work on a contingency basis - you pay nothing upfront. Our fee comes from the claim overage we secure beyond the initial insurance offer, with no payment required if we don't increase your settlement.
Are you available for emergencies?
Yes, we provide 24/7 emergency claims assistance. Our team responds immediately to property damage emergencies, offering round-the-clock support for urgent insurance claim situations in Charlotte and surrounding areas.
How do you differ from insurance company adjusters?
We work exclusively for policyholders, not insurance companies. Our independent adjusters advocate for your interests, ensuring fair treatment and maximum compensation, unlike insurance-employed adjusters who represent the company's interests.
Do you work with local contractors?
Yes, we partner with trusted local contractors to help clients with property repairs. This collaboration ensures proper documentation for insurance claims while providing quality restoration services from verified professionals.
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