Residential Property Claims

    Your home is your most important investment. When disaster strikes, Corbitt Public Adjusting fights to make sure your insurance company pays what you're owed — not a dollar less.

    10+

    Years Experience

    $100M+

    Claims Recovered

    5,000+

    Claims Handled

    Licensed

    Bonded & Insured

    Why Homeowners Need a Public Adjuster

    Your home is likely your largest investment and most valuable asset. When disaster strikes — whether it's a hurricane tearing off your roof, a pipe bursting behind a wall, or a kitchen fire spreading through your home — you face not only the trauma of property damage but also the complex, confusing world of insurance claims. The insurance company assigns an adjuster who works for them, not for you. Their job is to close your claim as quickly and cheaply as possible.

    Most homeowners file only one or two major claims in their lifetime. Insurance companies process thousands every week. This massive experience gap results in homeowners routinely accepting settlements that cover only 40–60% of their actual damage. Critical items get overlooked: hidden moisture behind walls, code-upgrade costs that your policy covers, personal property that was never properly inventoried, and additional living expenses you're entitled to while your home is uninhabitable.

    Corbitt Public Adjusting levels the playing field. We work exclusively for you — never for insurance companies. We document every inch of damage, prepare a comprehensive claim using the same estimating software and methodology insurers use, and negotiate relentlessly until you receive the full settlement your policy provides.

    What We Handle for Homeowners

    Whether your claim is straightforward or complicated by multiple damage types, coverage disputes, or insurer pushback, we handle the entire process from start to finish.

    Property Types We Serve

    • Single-family homes
    • Condominiums and townhomes
    • Multi-family and duplex properties
    • Rental and investment properties
    • Manufactured and mobile homes
    • Vacation and second homes

    Coverage Areas We Maximize

    • Dwelling / structure damage
    • Personal property and contents
    • Additional living expenses (ALE)
    • Code upgrade / ordinance & law
    • Debris removal and cleanup
    • Other structures (garage, fence, shed)

    Residential Damage Types We Handle

    Every type of home damage presents unique claim challenges. Click any damage type below to learn more about how we handle that specific claim for homeowners.

    🏠 Roof Damage Claims

    Shingle loss, structural damage, leaks, and full roof replacements denied or underpaid by your insurer.

    🔥 Fire Damage Claims

    Structural fire damage, smoke penetration, contents loss, and additional living expenses after a house fire.

    💨 Smoke & Soot Damage Claims

    Hidden soot contamination, HVAC system cleaning, contents damage, and odor remediation disputes.

    💧 Water Damage Claims

    Burst pipes, appliance failures, roof leaks, hidden moisture damage, and mold resulting from water intrusion.

    🌪️ Wind & Hail Damage Claims

    Storm-driven roof damage, siding impact, window breakage, and fence or outbuilding destruction.

    🌀 Hurricane Damage Claims

    Catastrophic wind, rain intrusion, fallen trees, flooding, and multi-system damage from tropical storms.

    🌊 Flood Damage Claims

    Rising water, storm surge, flash flooding, foundation damage, and NFIP policy disputes for homeowners.

    🧫 Mold Damage Claims

    Mold growth from unresolved water damage, hidden moisture, and insurer denials based on maintenance exclusions.

    🔧 Plumbing & Pipe Burst Claims

    Frozen pipes, supply line failures, slab leaks, and resulting interior water damage and mold.

    ⚡ Lightning & Power Surge Claims

    Electrical system damage, appliance destruction, fire ignition, and roof or tree strike damage.

    🏚️ Collapse & Structural Claims

    Foundation settlement, wall collapse, weight-of-ice damage, and hidden structural failures.

    🌪️ Tornado Damage Claims

    Total or partial roof loss, wall destruction, debris impact, and displacement from severe weather.

    🏨 ALE / Loss of Use Claims

    Temporary housing, meals, storage, and relocation costs when your home is uninhabitable during repairs.

    📦 Contents & Personal Property

    Furniture, electronics, clothing, valuables, and complete household inventories underpaid by insurers.

    📋 Ordinance & Law / Code Upgrades

    Additional costs to bring your home up to current building codes during covered repairs.

    Our Residential Claims Process

    From the moment you contact us, we take the burden of claims management off your shoulders so you can focus on your family and your recovery.

    1. Free Claim Review

    We review your damage and policy at no cost or obligation. We walk you through your coverage, explain what your claim is worth, and show you exactly how we can help — before you sign anything.

    2. Comprehensive Damage Documentation

    We document every aspect of your damage with detailed photography, thermal imaging, moisture testing, and measurements. We work with licensed contractors, engineers, and specialists to ensure nothing is missed — especially hidden damage behind walls, under floors, and in attics that insurance adjusters routinely overlook.

    3. Full Claim Preparation

    We prepare your claim using professional estimating software (Xactimate), build detailed personal property inventories, track your additional living expenses, and compile all supporting documentation required for a maximum settlement — the same tools insurance companies use, turned in your favor.

    4. Aggressive Negotiation & Settlement

    We handle every communication with your insurance company. We challenge lowball estimates, fight denials, negotiate scope disputes, and pursue every dollar your policy entitles you to — including supplements for damage discovered during repairs.

    Common Homeowner Claim Disputes We Win

    Insurance companies use proven tactics to underpay homeowners. We know every one of them — and we know how to beat them.

    • •Roof repair vs. replacement: Insurers claim your roof can be patched when it clearly needs full replacement. We bring engineering reports and manufacturer specs to prove it.
    • •Matching disputes: When damaged materials can't be matched to undamaged areas, insurers refuse to pay for the full scope. We enforce matching requirements under your policy.
    • •Pre-existing damage accusations: Insurers blame current storm or water damage on "prior wear and tear" to deny coverage. We document causation to prove otherwise.
    • •Hidden damage ignored: Insurance adjusters inspect only what's visible. We test behind walls, under flooring, and inside HVAC systems to find damage they missed or chose not to look for.
    • •Personal property undervaluation: Contents claims are routinely underpaid. We build room-by-room inventories with replacement cost documentation to maximize your payout.
    • •ALE denials and caps: Insurers try to limit your additional living expenses or deny them entirely. We track and document every qualifying expense to recover what you're owed.
    • •Code upgrade exclusions: When repairs require bringing your home up to current building codes, insurers often refuse to cover the difference. We ensure ordinance & law coverage is applied properly.

    What Homeowners Say About Us

    "Corbitt Public Adjusters are absolutely dynamic. We were totally stressed out with our insurance company trying to get them to pay our claim. Until we hired Corbitt Public Adjusting, our situation drastically changed. They started working on our claim immediately. They work honestly, tirelessly and relentlessly for their clients. We no longer had to deal with any more issues. They took care of everything. Our only regret was we didn't contact them immediately. We will recommend Corbitt Public Adjusters to our family and friends."

    Mary S.

    "I cannot say enough to express the appreciation I have for Corbitt Public Adjusting. Following Hurricane Beryl, my insurance all but refused to pay anything toward repairing my home. My roof needed replacing, floors, doors, and many other areas of my home. This firm went to bat for me and didn't stop until they achieved the goal. Despite countless denials, appraisals, and over a year of back and forth, Corbitt won and I received a much needed settlement offer. They deserve all the stars available."

    Deonica H.

    "I am very grateful to know there is a company willing to bat and work hard for you and answer all the questions you have. From start to finish they all listened to my concerns and really tried to find a way to help. They will answer all emails and calls no matter what. Don't look any more if you're in doubt — they will be the best choice. Thank you Katie for the most amazing customer service. Corbitt is the adjuster to use."

    Jonathan E.

    Residential Claims FAQ

    Related Services

    Don't Let Your Insurance Company Underpay You

    Your home deserves to be restored properly — and your policy entitles you to a fair settlement. Contact us today for a free, no-obligation claim review and find out what your claim is really worth.

    Related Resources

    Don't Settle for Less Than You Deserve

    If your home or business has suffered damage, our team is here to guide you through every step of the insurance claims process. No matter the extent of the loss or the complexity involved, we work diligently on your behalf to secure a fair, timely, and fully supported resolution. From start to finish, we manage the entire claims process for you—ensuring you receive the full compensation your policy provides.