We are public insurance adjusters licensed in Pennsylvania, New Jersey, Delaware, and Maryland. We assist policyholders with property damage claims under a written service agreement. Our focus is the damage, the insurance policy, and the records needed to support a fair settlement.
Fire and smoke damage
A fire claim may involve damaged building materials, smoke residue, personal belongings, and costs related to leaving the property. We help document the affected areas and review the relevant coverage. The claim should explain the full scope of supported damage, including concerns outside the room where the fire began.
Water damage
Leaks and plumbing failures can affect walls, floors, cabinets, and nearby contents. The source and timing of the water matter when reviewing coverage. We help organize photographs, repair findings, drying records, and other information that explains what happened and which areas were affected.
Wind and storm damage
Strong winds and storms can damage roofs, siding, windows, and other parts of a building. A storm may also create questions about rain entry, falling debris, or more than one source of damage. We help document conditions and review how the policy addresses the reported loss.
Hail damage
Hail claims often require careful attention to the affected surfaces and the basis for repair estimates. We help organize evidence of damage and compare the findings with the insurer's evaluation. A roof's age, condition, policy terms, and settlement provisions may affect what is payable.
Flood damage
Rising surface water and overflowing waterways raise different insurance questions from many indoor leaks. Standard homeowners coverage generally excludes floods. We review any flood policy involved and help document the claimed damage, subject to its terms. Building coverage and coverage for belongings may be separate.
Support for homes and businesses
For a home, the claim may involve rooms, belongings, or additional living costs covered by the policy. For a business, it may involve the building, stock, equipment, or covered income losses. We discuss the property and the coverage before deciding which records are relevant.
Our work may include:
- Reviewing the policy provisions related to the loss.
- Documenting damaged property and repair needs.
- Preparing claim records and supporting estimates.
- Communicating with the insurer about questions or differences.
- Reviewing offers with you as the claim develops.
Start with the facts of your loss
Report damage promptly to your insurer and take safe, reasonable steps to prevent more damage. Keep receipts and photographs when possible. A public adjuster can help with the claim process, but coverage and payment are never guaranteed.
Call Wheeler at 610-361-9704 or email info@wheeleradjustment.com. Tell us the property location, what happened, and whether a claim is already open. We will discuss the services and terms before you decide to proceed.