Chart Data Source: Florida Office of Program Policy Analysis and Government Accountability (OPPAGA) analysis of Florida claims. Data refers to the median payment.
Ramon Melo has been a licensed insurance adjuster since 2011 and a North Carolina public adjuster since 2019 (license #8627837). He is passionate about getting Charlotte-area clients the valuation they deserve and making sure the insurance companies do not take advantage of disasters, as they so often do.
Hurricane Hugo, the remnants of Helene, spring hail, winter ice storms, pipes that burst in a hard freeze: the Charlotte area sees its share of property damage, and every claim is a negotiation. The best part is that our help costs nothing up front, and we only get compensated a small fee based on the excess valuation over the original amount. The initial consultation is free too, so give us a call now!
Melo Public Adjusters Charlotte works day and night to help you hold the insurance companies accountable to quickly release insurance claim money so you can begin to rebuild your life. The team understands your frustration, and they want to help!
Property Damage Appraisal & Estimate
Our public adjuster in Charlotte, NC, will help you better understand your insurance policy so that you know precisely the compensation that is due to you. You never have to simply settle for what the insurance company is offering.
Insurance Dispute Mediation
When the insurance company isn't holding up to their end of the bargain, our public adjusters will hold them accountable through professional mediation services. You can always count on us to have your back and get you the settlement you deserve.
Pre-Loss & Disaster Planning
Disaster can strike at any moment without any warning signs. When it does, and property loss occurs, you'll want to be ready with pre-loss and emergency planning. Our public adjuster in Charlotte makes sure all documents are in order for when/if you need them.
Builders Risk Policy Adjusters
Builders' risk insurance policies can be challenging to understand, and filing a claim can be overwhelming. At Melo, our public adjusters will review your policy and make sure you understand every detail. We'll also file your claims.
Property Damage Insurance Claims
Have you recently suffered property damage and can't get the insurance company to offer you a suitable settlement? Allow our independent insurance adjusters to help! It's our top priority to make sure you get the compensation that you are due.
Partnerships With Local Contractors
Melo Public Adjusters Charlotte is proud to partner with local contractors in the area. If you own a contracting business and want a public adjuster on your side, we're the team who'll go up to bat for you. We specialize in builders' risk insurance.
Melo Public Adjusters Charlotte offers a full array of services for home and business owners, from older houses in Plaza Midwood and Dilworth to new builds and storefronts across Mecklenburg County. It's overwhelming enough to suffer a property loss without the insurance companies trying to make matters worse. Contact us now so we can help you navigate your claim.
Property damage appraisal is one of our specialties. When you've suffered a loss and the insurance company isn't working with you on a suitable settlement, never feel like you have to accept what they're offering. Our property damage appraisers in Charlotte will review the damages you incurred as well as your insurance policy and file a claim on your behalf. We'll be happy to:
Mitigate your losses
Determine whether a claim should or shouldn't be filed
Get in touch with the insurance company with a settlement offer
Put together all necessary documents
Thoroughly explain your policy in terms you can understand
Melo Public Adjusters offers 24/7 property damage appraisal support in the areas of Charlotte, Huntersville, Concord, Gastonia, Monroe, and Matthews. Get in touch with us today for a FREE consultation. We're here to help!
Mediation is a bit different than the property appraisal process, and Melo is here to help you determine which one of these services is a better fit for your situation. Unlike appraisal, mediation is not binding and is often inexpensive. Some of the things we can do for you during mediation is:
Preparing for and attending the mediation
Asking the insurance company all of the right questions
Helping you get a claim settlement
Our company has been mediating property claims for many years in the Charlotte, NC area. You'll be pleased with what our local, Charlotte insurance adjustors can do for you. Are you interested in mediation? Contact us now for more details.
The after-effects of property loss due to disaster can be a hard pill to swallow, especially when your insurance company isn't following through with a suitable claim settlement. Pre-loss and disaster planning gets your documents and proof of loss ready before you need them. You can count on our team for:
Evaluation of the property's condition
A record of any inventory
Professional & accurate risk analysis
Expert assistance after property-loss
It's difficult to plan for a potential disaster - we 100% understand that. However, our public adjusters in Charlotte, NC, want to make sure you are prepared. Get in touch with us today, and we'll go over all the fine details of pre-loss planning.
Builders' risk insurance policies can be really tricky to navigate. All of the legal jargon can make your head spin. That's where our team of advanced public adjusters come in. We know all the ins and outs surrounding your insurance policy and how to explain them to you in great detail. Some of what we do includes:
Filing your claims
Communicating with the insurance company on your behalf
Adjusting any unfair settlements that the insurance company offers
If you're a home or business owner who has a builders' risk insurance policy and you want to understand your coverage better, reach out to Melo Public Adjusters Charlotte. With so much building going on around Charlotte, our team is ready for your call.
There are many types of insurance claims that our public adjusters in Charlotte, NC, help process so you can get the settlement that you're entitled to. We believe that any property loss is devastating enough for the insured, which is why we hold the insurance company's feet to the fire. The insurance claim types that we most often process include:
Mold & water damage, from burst pipes to creek flooding
Storm & wind damage, from hurricane remnants, tornadoes and ice storms
Hail & roof damage from spring thunderstorms
Fire & smoke damage
Melo Public Adjusters of Charlotte, NC, has what it takes to assess your property damage, communicate a fair settlement with the insurance company, and get that check in your hand so you can begin rebuilding your life. Call us now for a FREE consultation.
Our public adjuster firm in Charlotte, NC, works alongside contractors for your benefit. If your property was recently destroyed or compromised by a disaster, it could be beneficial to your insurance claim to have each of us in your corner. Melo Public Adjusters Charlotte will help you secure settlement funds from the insurance company while a contractor makes the necessary repairs to your damaged property. Here are situations when a public adjuster may need to interact with their client's contractor:
When the insured requests the adjuster speak with the contractor
When the contractor finds new information
If the public adjuster requires more information
If there are legal issues
When the independent insurance adjuster seeks a second opinion
Melo Public Adjusters make it easy for our clients to reach out to us for insurance policy and settlement claims service from our office on Remount Road in Charlotte, serving many local areas in North Carolina across Mecklenburg, Cabarrus, Gaston and Union counties. We are proud to serve our neighbors with 24-hour emergency claims adjusting care. The areas that we serve include:
