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Melo Property Claims

Relax, we are on your side

Before you accept the insurance offer, get a free second look.

Public Adjusters hold your insurance company accountable while getting you the valuation and compensation you deserve. We work for you, so let's work together.

  • A free second look at your claim
  • No out-of-pocket costs
  • A small fee, only on the overage we win
Call 24/7, free(704) 325-55254.7 Read our Google reviews

Free claim review

Let’s review your claim.

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  • Licensed public adjustersLicensed in NC and SC (#8627837) and GA (#3308108), among the states we serve
  • No conflict of interestWe represent policyholders, not insurers
  • 20+ years of claimsComplex fire, water, mold, roof and storm losses
  • No flat ratesNo hidden fees, and nothing up front

More value, less resistance

Many Americans don't realize that working with a public adjuster is an option. That's okay if you fall into that category. You're not alone. The fact is, the insurance provider you've been paying your premiums to is actually fighting to minimize your claim value. That's where we come in, standing firm in your corner to get you the maximum amount for your insurance claim. The benefits of working with a public insurance adjuster include:

  • A faster resolution time for your claim
  • Undivided attention to your case
  • Organization and preparation of otherwise confusing documents
  • The highest judgment for your insurance claim possible

Also know that public adjuster services from Melo Property Claims have no up-front costs or strings attached. With contingency-based pricing, our fees are just a small percentage of the amount we negotiate on the overage of your original claim. Don't settle for the initial amount offered by your insurance carrier's adjuster. Get a second opinion, learn what your claim is worth, and receive the payout you deserve.

Get a free claim review
Bar chart of median claim payments: $2,029 without a public adjuster, $17,187 with one
Chart Data Source: Office of Program Policy Analysis and Government Accountability (OPPAGA) analysis. Data refers to the median payment.

About Melo Property Claims

Ramon Melo has spent more than 16 years in the insurance field, and he can take the hassle of dealing with your insurance company off your hands. He knows how they work, and exactly what needs to be done in order to get clients the absolute best resolution for their claims. We also partner with the right experts in a variety of fields to handle your damage claims, for homes and businesses in every state we serve.

If you're ready to receive expert advice and undivided attention to your case with no upfront costs, give us a call. We'll handle it.

Call Ramon now

Complicated insurance claims made easy

Contingency pricing negotiated up-front

Only pay us on overage. Our pricing is contingency based. That means we only charge a small fee on the additional benefits our services actually provide.

No flat-rates or hidden fees. Flat-rate pricing means you could potentially lose money on your claim. We don't want to see that happen, ever.

Simple, 3-step claim review process

What happened? The first step is to call us and explain the situation. We want to learn more about your case.

Schedule an inspection. Our team will visit your property, assess the damage, and document the findings.

Get expert advice. You receive our professional opinion and the next steps to maximize your claim.

No minimum claim value, we work with everyone

Any insurance claim type. If it involves damage to your property, it can involve us. We have over 20 years experience processing complex fire, water, mold, roof, wind & storm damage claims.

Small claims, no problem. We can review any size claim and ensure maximum valuation.

How it works

What happens when you call

  1. A free claim review

    Tell us where your claim stands. We say plainly whether a public adjuster will add value.

  2. Inspection and documentation

    We assess the damage, read the policy line by line and build the estimate.

  3. Negotiation to settlement

    We handle the insurer from start to finish, for a percentage of the overage we negotiate.

Get my free claim review Call (704) 325-5525

4.7

Rated 4.7 out of 5 on Google

Read our reviews on Google
  • Excellent customer service and a great team to work with. I sent them an urgent issue and they got back to me instantly. Highly recommended.
    Ryan Taclibon
  • Melo Property Claims deserves more than 5 stars. They took a denied claim and got it approved faster…
    Andres Carrera · Google review
  • Great team to work with. Highly recommend
    Nick Pyshnyuk · Google review
  • Very professional and knowledgeable
    Roxana Vargas · Google review

Public adjusters who work for you

When dealing with a difficult insurance company, you need someone with experience and authority advocating for you and your rights. Melo Property Claims has a team of professional public adjusters that provide you with the assistance you need to get the settlement you deserve.

Property Damage Appraisal & Estimate

Our team works with you to provide an assessment of your loss and work with you in preparing your claim as if it had happened to us. We will use our expertise in construction, past claims, and the appraisal process to support our valuation.

Insurance Dispute Mediation

Are you stuck in a dispute with your insurance company that doesn't seem to be going anywhere? We have a public adjuster that will get the ball rolling in the right direction so you can settle your claim.

Pre-Loss & Disaster Planning

You're not going to be able to predict when disaster strikes, but our pre-loss and disaster insurance adjusters will make sure you're ready. We handle the organization and documentation for you ahead of time.

Builders Risk Insurance Claims

Our public adjusters have the experience you need to settle your claim. Leave it to us and work with our process, as we have refined it to help expedite claims and get results!

Property Damage Insurance Claims

Property damage is stressful enough just to look at, not to mention dealing with an insurance company that doesn't want to pay you for your necessary repairs. We have the authority to get you what you're owed.

Partnerships With Contractors

Are you a contractor in one of the states we serve? We want to hear from you! Call to talk about how we work alongside contractors, so our property damage clients get a claim paid for all the damage and repairs done right.

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Customized services from experienced adjusters

There's no reason to hire a separate public adjuster firm every time you file an insurance claim. We know the inner workings of all insurance claim types, and we can provide you with the support you need in several other areas as well!

Accurate Property Damage Assessment & Appraisals

After your property has suffered property damage, your insurance agent will come and take records of everything that's been ruined. They will gather their documentation and do whatever they can to lower your estimate.

Melo Property Claims is a neutral party that isn't going to lose out anything by paying you your claim money. You can expect the most honest valuation from our team. Remember, we only get paid when we increase the amount of your settlement so we are incentivized to get the most out of your claim.

If you are interested in learning more about our services for property damage insurance claims, make an appointment today to find out how we can help.

Call now (704) 325-5525
Assessment team discussing findings outside a storm-damaged brick house

Claims Settlement and Mediation

When your insurance company won't move on its number, a claim can stall for months. Our public adjusters take over the back-and-forth for you: we put a documented, line-by-line estimate in front of the carrier's adjuster and negotiate until the settlement reflects what the repairs really cost. If the dispute goes to appraisal or mediation, we stay with you through it. We handle:

  • A detailed estimate of every part of the damage
  • The policy language the insurer is leaning on
  • Every call and letter with the carrier's adjuster
  • Appraisal and mediation when talks stall

We will explain your policy to you in plain terms along the way, so you always know where your claim stands. Initial consultations are FREE, so call to learn more right now!

Start your review
Hands of two people in discussion across a meeting table

Peace of Mind Comes With Our Disaster Insurance Adjusters

Has a hurricane, tornado, or another damaging storm already blown through your region? Then you, along with everyone around you is facing a long and complicated process of rebuilding.

Flooding turns into mold damage, water damage destroys structural components, and you could even have a fire if there are issues like downed power lines. Don't get stuck in the chaos. We will streamline the process for you so you can start putting your building back together fast.

Reach out today and we will have a friendly public adjuster walk you through everything you need to know about pre-loss and disaster insurance.

Call now (704) 325-5525
Remains of a home destroyed by a tornado

Protect Yourself with Builders Risk Insurance Adjusters

Construction on your home or an addition to your office space is supposed to be a favorable opportunity because you're growing and expanding. That doesn't mean that bad things aren't going to happen, though. Instead of putting your building at risk, and the money you've invested in new materials, let our public adjuster help you get additional builders risk insurance that covers you in the case of:

  • Theft
  • Fire
  • Flooding
  • Storm damage
  • Damage during transportation
  • And more

More than just helping you get the extra coverage, our independent insurance adjuster will explain everything to you in a way that you can easily understand. Your satisfaction is always the top priority, so call today to find out more!

Get a claims review
Aerial view of a new housing subdivision under construction

What Kind of Property Damage Have You Suffered Through Recently?

Your property can be damaged in an assortment of ways that are out of your control. That doesn't mean that you should have to pay out of pocket for the repairs. Your homeowner's insurance policy is in place to protect you from the unexpected, and our public adjusters can assist you with any insurance claim type related to:

  • Water Damage
  • Mold Damage
  • Storm & Wind Damage
  • Fire & Smoke Damage
  • And More!

Don't waste your time and energy trying to sort through confusing legal documents to send out to your insurance company. Our public adjuster firm knows all the right steps to take so that you can get your funds fast. Call now to schedule your appointment.

Call now (704) 325-5525
Wind-blown trees lying on a tornado-damaged house

Our Public Adjusters Are Licensed in A Variety of States

Some public adjuster firms stick to one city. We handle residential and commercial claims across several states, and we travel to the property to give you the level of care your claim needs. Ramon Melo is licensed as a public adjuster in North Carolina, South Carolina and Georgia, and the firm serves the states below. Even if you don't find your state here, call us and ask.

  • North Carolina
  • South Carolina
  • Georgia
  • Pennsylvania
  • Maryland
  • Texas
  • Tennessee
  • Louisiana
  • Virginia
  • Kentucky
  • New Jersey
Get a free claims review

Get a FREE claims review & second opinion

Before you accept the insurer's number, let a licensed public adjuster tell you what your home or business claim is really worth.

  • Licensed Public Adjusters
  • Contingency pricing
  • No Up-Front Cost
Speak to an Adjuster (704) 325-5525
(704) 325-5525 Free claim review