Four stages.
One protocol.
Refined over a decade and more than 1,800 settlements.
- 01
Free Consultation
It begins with a conversation. Send us your declarations page and a photo or two of the damage. Within an hour, you'll have a candid assessment from a licensed adjuster — and a sense of what we project to recover.
- No obligation
- Reviewed by senior adjuster
- Response within 60 minutes
- 02
Forensic Inspection
Our team arrives with the same tools the carrier's experts carry — and more. Drone surveys document roof systems from every angle. Moisture meters and infrared imaging reveal damage hidden behind walls. Independent engineers write reports the carrier cannot dismiss.
- Drone & aerial documentation
- Infrared moisture mapping
- Engineer & contractor reports
- 03
Claim Preparation
We build the claim file the carrier must respond to: line-item Xactimate estimates, sworn proofs of loss, contents inventories, citations from your specific policy form, and supporting case law where applicable.
- Xactimate line-item estimates
- Sworn proof of loss
- Policy citations & case law
- 04
Negotiation & Settlement
We sit across the table from the carrier's adjuster — often someone we've trained, hired, or negotiated with for years. We escalate to umpire or appraisal when warranted. We don't stop until your settlement reflects your true loss.
- Direct carrier negotiation
- Appraisal & umpire process
- Litigation support if needed