When the Insurance Company Sends Their Adjuster, Who Is Working for You?
After a fire, a storm, or a burst pipe, an adjuster arrives to decide what you're owed. That adjuster is paid by your insurance company.
We're Insurance Claims Consultants. We're licensed public adjusters, and we do the same job on your side of the table — document the damage, value the loss, and negotiate the settlement. For 35 years, across North Carolina, South Carolina and Georgia.
My name's on this business. After 45 years I still take these calls myself. Ring (864) 497-2151 and we'll tell you straight whether you need us.
The Short Version
- 35 years handling property insurance claims
- Three states — North Carolina, South Carolina, Georgia
- Licensed public adjusters, regulated in each state we work in
- No upfront cost. Our fee is a percentage of what you recover, and nothing if you recover nothing
- We'll tell you when you don't need us. On a small, simple claim you may do just as well alone
Damage to Your Home
A hurricane took the roof. A kitchen fire filled the house with smoke. A pipe failed while you were away and the floor has been wet for three days.
You're dealing with somewhere to sleep, contractors who won't call back, and a claim form asking questions you have no way to answer — while the insurance company's estimate arrives lower than the first quote you got.
We handle the claim so you can handle everything else.
Damage to Your Business
The building is only part of it. There's the stock you can't sell, the equipment that won't run, the orders you can't fill, and every day the doors stay shut costing money that doesn't come back.
Commercial claims are larger and more heavily scrutinised, and they involve coverages most owners have never had cause to read. Business interruption in particular is where the money is lost, because calculating it properly is a discipline of its own.
Business interruption ·
Equipment breakdown ·
Fire ·
Water ·
Vandalism and theft
What a Public Adjuster Actually Does
Most people meet the term for the first time when they need one, so it's worth being plain about it.
There are three kinds of adjuster. The company adjuster is employed by your insurer. The independent adjuster is a contractor the insurer hires. Both are paid by the insurance company and represent its interests — that isn't a criticism of them, it's how the arrangement works.
A public adjuster is licensed by the state and works for the policyholder. We inspect the damage ourselves, prepare our own estimate, inventory the contents, handle the paperwork and deadlines, and negotiate the settlement.
You don't need one for every claim. Where it's worth calling us is when the damage is substantial, the estimate looks low, the claim has been denied, or you simply don't have time to fight it while running a household or a business.
Free Tools You Can Use Right Now
Whether or not you ever call us, these are the things that decide what a claim settles for.
Contents list checklist
Room by room, what to record for every item, and how to value things when you have no receipts. The contents list is where the largest sums are quietly lost.
Proof of loss worksheet
Work out your figures before you sign a sworn statement. Includes the coverages people routinely leave off.
Insurance claim guide
How a property claim actually works — the sequence, what the paperwork means, and what to do when you disagree.
Recoverable depreciation
The money most people never claim, because nobody told them it was theirs.
Who You're Actually Calling
Insurance Claims Consultants was built by Jeffrey A. Raines, who has spent more than 45 years in property claims.
That matters for a specific reason. Claims are won by knowing what the carrier is going to argue before they argue it — which exclusions get reached for, how an estimate gets built low, where the damage that hasn't surfaced yet is going to appear. That knowledge comes from having handled the claims, not from reading about them.
The Questions People Ask First
What does it cost?
A percentage of what you recover. Nothing upfront, no hourly billing. No settlement, no fee.
Is it worth it on my claim?
Sometimes not, and we'll say so. On a small uncomplicated loss you may do just as well alone. Where there's a real dispute about scope, cause or value, that's where we earn our keep.
Is it too late?
Probably not. You can bring us in before you file, mid-claim, or after a denial. Earlier is better because more evidence survives, but a closed claim can often be reopened.
Will this annoy my insurance company?
You're entitled to representation and using it isn't a hostile act. Carriers deal with public adjusters routinely.
What happens when I call?
We talk through what happened, what your policy says, and where the claim stands. Free, no obligation. If we can't improve your position we'll tell you.
Talk to Us
If your property has been damaged and you're not sure the offer is right — or you haven't had one yet — call. The first conversation costs nothing and carries no obligation.
No hourly billing. No upfront cost.
Our fee is a percentage of what you recover.
We work for you, not for the insurance company.
Serving property owners throughout North Carolina, South Carolina and Georgia.
