We are licensed in Maryland and serve property owners across the state. As public adjusters, we work for the policyholder under a written agreement. Our role can include reviewing the policy, documenting the damage, preparing claim information, and negotiating with the insurer.
Understand the estimate in front of you
An estimate should connect the proposed work to the affected property. Room descriptions, measurements, materials, and quantities help explain its total. If two estimates differ, ask which items or assumptions create the difference.
We review supporting information and identify questions that need an answer. A contractor's price and an insurer's estimate may include different work. Clear records help explain those differences without assuming that a higher number is automatically the correct claim amount.
Review coverage and settlement terms
The policy affects how a loss is evaluated and paid. Deductibles, limits, exclusions, and added coverage can change the result. Roof claims may also involve special settlement provisions or questions about the property's earlier condition.
Actual cash value generally includes a deduction for age and wear. Replacement cost coverage has different terms and may require completed repairs before additional payment. We help you understand the provisions relevant to your claim and the records needed to support it.
Build a record of the damage
Wheeler assists with fire and smoke, water, wind and storms, hail, and flood claims. The information needed depends on the loss. A fire may affect rooms and belongings; a leak may require records explaining its source; a flood requires a review of any flood coverage.
Helpful records include:
- Your policy and any added coverage documents.
- Dated photographs and a description of the event.
- Inspection findings and repair estimates.
- Lists of affected belongings or business property.
- Emails, letters, and payment explanations from the insurer.
Keep earlier versions when an estimate changes. A record of the reason for each change can make later discussions easier to follow.
Stay involved in claim decisions
We discuss the scope of our work and fees before representation begins. You can ask questions about the agreement, services, and information being submitted. Hiring a public adjuster is optional, and you remain able to communicate with your insurance company.
We review offers with you and explain supported questions about the claim. You decide whether to accept a settlement. No adjuster can guarantee a larger payment or create coverage that the policy does not provide.
Talk with Wheeler about your Maryland property
Report the loss promptly, address urgent safety concerns, and take reasonable steps to prevent further damage when safe. Do not let an adjusting inquiry delay those responsibilities.
Call 610-361-9704 or email info@wheeleradjustment.com. Share the property location, damage type, and current claim status. We can discuss the next steps and whether our services fit your situation.