My claim was denied
A denial does not always mean the fight is over. Charter Claims can review the denial, inspect the damage, and look for what may have been missed.
Review a Denied ClaimPublic Adjusters for Homeowners & Property Owners
Do not let the insurance company control your claim.
If your property was damaged, denied, delayed, or underpaid, Charter Claims fights for policyholders — not insurance companies — to help document the damage, challenge low estimates, and pursue the money you are owed.
- Free Inspection
- Free Claim Review
- No fee unless we are successful in getting you more money
- Licensed and bonded in every state where licensing is required
- Serving Florida, Mississippi, North Carolina, Texas, Georgia, New Mexico, Colorado, plus coordinated West Coast support areas
Claim situation
Where are you in the insurance claim fight?
Insurance companies have teams working to protect their bottom line. If any of these situations sound familiar, it is time to get someone on your side.
My settlement is too low
If the check does not come close to covering the repairs, do not accept it blindly. We can review the estimate and look for missing or undervalued damage.
Check an Underpaid ClaimI just had property damage
The way a claim is documented from the beginning can affect the outcome. We help you start with stronger documentation and a clearer claim strategy.
Start a New ClaimStorm, roof, water, or fire damage
Different losses require different proof. Charter Claims helps document the damage and push back when the insurance company misses the full scope.
See Claims We HandleReal claim documentation
Actual property damage needs more than a quick insurance estimate.
These are real examples of damage conditions Charter Claims reviews when documenting the scope of a loss and pushing back on missed or undervalued items.
Policyholder advocacy
Your insurance company has an adjuster. You deserve one too.
The insurance company’s adjuster works for the insurance company. Charter Claims works for you. We inspect the damage, review the policy and estimate, prepare documentation, communicate with the carrier, and fight for a fair settlement under your coverage.
Talk to a Public AdjusterInsurance Company Adjuster
- Works for the insurance company
- Reviews the claim from the carrier’s side
- May miss or undervalue damage
Charter Claims
- Works for the policyholder
- Reviews the damage and estimate
- Documents missed or undervalued items
- Communicates with the insurance company
Homeowner claim help
Claim help for homeowners in licensed states plus coordinated West Coast support areas
When your home is damaged, you are suddenly dealing with repairs, contractors, deadlines, policy language, adjusters, and insurance company decisions. Charter Claims steps in as your advocate to inspect the damage, review the paperwork, document the loss, and work to move the claim toward a stronger result.
Schedule a Free Home Claim Review
Hurricane and storm damageWind and roof damageWater damage and leaksFire and smoke damageHail damageDenied claimsUnderpaid claimsSupplemental or reopened claims
How it works
A clearer path through the insurance claim process
Free claim review
We listen to what happened, review where things stand, and determine whether Charter Claims may be able to help.
Inspection and documentation
We inspect the property, document visible and hidden damage, and gather evidence to support the claim.
Claim preparation
We prepare the estimate, photos, documentation, and claim support needed to present the loss properly.
Insurance negotiation
We communicate with the insurance company and advocate for a fair settlement under the policy.
Recovery
You get a clearer path toward repairs, rebuilding, and moving forward.
Claims we handle
Property damage claims Charter Claims can help with
Insurance companies may miss damage, undervalue repairs, or leave important items out of the estimate.
Hurricane claims
Hurricanes can cause roof, wind, water, and structural damage that insurance companies may undervalue or overlook.
Wind and roof damage
Roof damage is often disputed, minimized, or misclassified. We inspect the damage and review the full repair scope.
Water damage
Leaks, burst pipes, storm intrusion, and hidden moisture can become expensive fast if the full damage is not documented.
Fire and smoke
Fire losses can involve structural damage, smoke, soot, water from firefighting, contents, and complex repairs.
Hail and storm damage
Storm damage is not always obvious from the ground. We help identify and document damage the carrier may have missed.
Underpaid, denied, supplemental
If your claim was denied, paid too low, or needs a supplement, Charter Claims can review the file and help pursue additional money.
Commercial claims
Commercial and multifamily claims require a stronger claim strategy.
For business owners, property managers, commercial property owners, and multifamily properties, claim mistakes can affect operations, tenants, income, and long-term property value.
Commercial Claim HelpAbout Charter Claims
Claim professionals who fight for policyholders.
Charter Claims brings insurance claim handling experience, public adjusting expertise, and policyholder advocacy to residential and commercial property claims. Our job is to help document the loss, review the insurance estimate, and push back when the carrier’s answer does not reflect the full damage.
Meet the Team
Led by real claim experience
Founder Clint Wooley has handled thousands of claims and worked for major insurance companies in more than 20 states before becoming a public adjuster for policyholders.
We represent policyholders — not insurance companies.
Real policyholders
Policyholders call Charter Claims when the insurance company gets it wrong.
Client story
After serious water damage, Charter Claims helped Vicki fight for a better outcome.
Hear directly from a policyholder about what it was like dealing with the claim, the insurance company’s position, and Charter Claims negotiating on her behalf.
“After Hurricane Ian, my insurance company reviewed the damages and wanted me to settle. A check was presented that barely covered only 1/4 of the damaged expenses. Charter Claims inspected my insurance claim and found many mistakes that were missed by the insurance company. They handled my entire case and got me all the money that was due to me for the repairs.”— Don
“The insurance company really tried to undervalue my claim. I spoke to Clint and he was able to get my claim processed and I couldn’t be happier. I will use him in the future with any claims I have.”— Michael
Claim examples
Real claims where the first answer was not the final answer.
Every claim is different, but these examples show why documentation, estimate review, and policyholder advocacy matter.
Cape Coral, FL Fire Claim
A vehicle caught fire in the garage while the homeowner was away. Firefighters had to break through the front door and use water to extinguish the fire, which spread into the kitchen and caused smoke damage in the main living area.
Insurance company estimate: $90,770
Final negotiated settlement: $179,120
Result: More than $88,000 above the insurance company’s estimate.
Lehigh Acres, FL Water Damage Claim
A seasonal condo owner suffered water damage after a dishwasher part failed in the upstairs unit, damaging ceilings, walls, cabinetry, and personal property. After liability disputes and a denial based on alleged delayed filing, Charter Claims was engaged.
Result: Settlement negotiated with release within 90 days.
St. Petersburg, FL Commercial Windstorm Claim
A medical-related business suffered Hurricane Milton wind damage causing a total roof loss, AC system damage, and damage to expensive electronic equipment, furnishings, and business personal property.
Carrier initial valuation: $182,399
Total RCV structure payment: $529,914
Result: Settled completely within 9 months.
Results vary based on policy, facts of loss, documentation, and applicable law.
Areas served
Public adjuster claim help across core licensed states and coordinated support areas
Charter Claims is licensed and bonded in every state where licensing is required. Colorado does not license public adjusters, but Charter Claims can handle claims there. In California, Oregon, Washington, and Alaska, Charter Claims can help coordinate claim support through its West Coast collaboration network.
Florida
Mississippi
North Carolina
Texas
Georgia
New Mexico
Colorado
California
Oregon
Washington
Alaska
Resources
Understand your claim before you make your next move
Guide to Getting the Most Out of Your Insurance Claim
Learn how documentation and claim strategy affect the outcome.
Fire Damage Claim Guide
Understand what to document, save, and watch for before accepting the insurance company’s offer.
Download the GuideWind Damage Claim Guide
Learn what to document, what your policy may require, and what to watch for after wind or storm damage.
Download the GuideBefore you accept the insurance company’s answer, get a free claim review.
A denied claim, low offer, or confusing estimate does not have to be the final word.