Sebring Hail Damage Claim Denied, Delayed or Underpaid?
How can a Highlands County Public Adjuster help with your Hail Claim in Sebring or Avon Park?
The only professionals that are properly licensed and qualified to help with a hail claim in Sebring or Avon Park are licensed Florida Public Adjusters. However, just because a Public Adjuster is licensed, does not mean they are qualified to help with your claim. As damaging hail is not very common in Florida, not all Adjusters have the necessary experience and skillset to properly adjust these losses.
If you are looking for a Seasoned Public Adjuster in Highlands County with the proper experience to help with your hail damage claim, you are in the right place. Our team of Florida Public Adjusters include Former Insurance Company Adjusters & Restoration Contractors with decades of experience in the claims industry. Greg Roover, the owner of Claim Concepts, began his adjusting career as a “Cat Adjuster” where he was deployed to areas throughout the U.S. that experienced catastrophic hail and/or wind damages. Relying on our vast experience, we have been able to consistently recover settlements that exceed our clients expectations since 2006.
Our Team of Highlands County Public Adjusters are ready to jump in and help with your Hail Damage Claim in Sebring or Avon Park.
After most hail storms or other severe weather events, the streets and mailboxes will be filled with roofers and other contractors soliciting the victims, typically stating that they will handle everything…including the claim. They will typically offer a “Free Roof” or something along those lines. BE CAREFUL! These roofers and contractors are referred to as Storm Chasers and this practice of soliciting neighborhoods is what the insurance companies are blaming their recent rate hikes on. Furthermore, the only people that can legally represent your interests throughout the claim process are Public Adjusters or Attorneys, anyone else offering to provide these services are likely in violation of the Unauthorized Practice of Public Adjusting or Unauthorized Practice of Law.
CAUTION: Reputable local roofers will not need to canvass neighborhoods after a storm looking for work. They will be inundated with calls for help from their happy clients.
These Storm Chasers will typically have contracts with an “Assignment of Benefits” clause. Be very careful, as you will likely be handing over complete control of your claim, we recommend having an attorney review these contracts before signing them. These contracts even give the contractor the right to sue your insurance company as if they were you, the policyholder, without even notifying you! We have received calls from policyholders that only learn of their pending litigation after we are able to locate their lawsuit online through public records. These contracts can be very dangerous and the only entity that typically benefits from these contracts are the roofers or the contractors that convinced you to sign it.
How do you know if you should file a Sebring Hail Claim?
If you live in or visit Florida often, you understand that the hail storms like the one that hit Sebring on April 4th, 2022, do not happen very often. Most hail storms in Florida involve hail that is no larger than a nickel and does not cause any widespread damage. The storm on April 4th of 2022 involved hail stones up to 2″ in diameter, to put this in perspective, a golf ball is only 1.68″ in diameter. The hail was seen throughout Highlands County with numerous reports coming in from Sebring, and Avon Park areas. This size hail is big enough to cause substantial damage, but small enough that Adjusters lacking in experience could easily inspect a property without fully identifying the extent of the damages. Here are a few tell tale signs that you may want to either file a claim with your insurance company or at least engage the services of a professional to further investigate your property for Hail Damage.
- You have seen several postcards from Roofers & Contractors in your mailbox and throughout the neighborhood knocking on doors.
- You have seen neighbors installing or repairing their roofs in your neighborhood.
- You have noticed damage to soft metal items such as Gutters, A/C Units, Roof Vents, Garage Doors, etc…
- You can visibly see hail damage to your roof.
We are offering a Free Claim Consultation with a Highlands County Public Adjuster in the event that you wish to discuss your Sebring hail claim. We are able to assist at any point throughout the claim process. We are often involved from the moment the claim is filed, however, we also get hired after a claim is denied or underpaid by the insurance company. If you are questioning if you should file a hail damage claim or your claim was already denied, underpaid or you are currently dealing with an unreasonable adjuster, we can help! Do not sit back and let the Insurance Company and their Adjusters dictate the outcome of your claim! Call 561-250-8320 and find out more about how our team of seasoned Florida Public Adjusters can help with your Highlands County Hail Damage Claim in Sebring or Avon Park.
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Meet the Senior Public Adjusters at Claim Concepts
Our Commitment
Greg Roover, SPPA
Inspired by Personal Experience
Greg’s path to becoming a Public Adjuster was deeply personal. The Northridge Earthquake was a turning point, where his family’s experience with a public adjuster opened his eyes to the profound impact of this role. Greg embarked on a strategic career journey, motivated by a desire to help others as his family was helped. He honed his skills working for insurance companies as an independent insurance adjuster.
In 2006, Greg’s vision came to fruition with the founding of Claim Concepts. His insider knowledge, gained from years within the industry, and his passion for aiding others have been instrumental in the company’s success.
In 2025, Greg earned the Senior Professional Public Adjuster (SPPA) designation from The Institutes, the highest designation available to public adjusters. Awarded only to seasoned professionals who complete a rigorous course of study and examinations, the SPPA reflects Greg’s commitment to mastering every aspect of the claims process on behalf of the policyholders he serves.
Greg’s expertise is not just in his impressive resume but in the countless testimonials from those he has aided, reflecting his dedication to securing the rightful settlements for our clients.
Greg's Expertise Backed by Industry Accreditations
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Florida Public Adjuster -
Lic #P017831 -
Georgia Public Adjuster -
Lic #2790971 -
South Carolina Public Adjuster -
Lic #716585 -
Tennessee Public Adjuster -
Lic #716858 - SPPA - Senior Professional Public Adjuster Designation
- NFIP Certified Flood Adjuster
- Former Independent Adjuster working for the Insurance Companies
- Former ICC Certified Residential Building Inspector
- Former Licensed: Mold Inspector/ Home Inspector
- Member FAPIA - Florida Association of Public Adjusters
- Member GAPIA - Georgia Association of Public Adjusters
Morgan "Eric" Thomas
From Adjuster to Advocate
Eric’s journey in the insurance world began in 1989, marking the start of a career defined by expertise and dedication. Fresh out of college, he jumped into the role of an independent adjuster, swiftly advancing to a general adjuster position at a major firm. There, Eric specialized in complex homeowners and commercial property insurance claims, showcasing his skill in navigating intricate scenarios.
In 2001, his career took a pivotal turn towards the construction aspect of insurance. As the General Manager for a renowned Insurance Restoration Contractor, Eric oversaw everything from estimating to maintaining vital relationships with insurance companies. His profound understanding of insurance and construction led him to Claim Concepts, where he now thrives as a Public Adjuster. His unparalleled insight has been crucial in ensuring that our clients receive the settlements they genuinely deserve
Eric's Expertise Backed by Industry Accreditations
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Florida Public Adjuster -
Lic #A263869 -
Georgia Public Adjuster -
Lic #3233218 -
South Carolina Public Adjuster -
Lic #3607940 -
North Carolina Public Adjuster -
Lic #3607940 - Former Independent Adjuster working for Insurance Companies (Since 1989)
- Former Insurance Restoration Contractor (Working for the Insurance Companies)
- Member FAPIA - Florida Association of Public Adjusters
- AIC - Associates In Claims
- Vale Institute - Large Loss Estimating
THE PROCESS
Our Proven Process Built on Precision, Leverage, and the Art of Resolving Complex Claims
Over many years, our team of seasoned professional Public Adjuster have developed a proactive claim management process to ensure our clients receive the proper settlement for their losses. We understand that proving your claim can be a daunting and time-consuming task, and we are here to alleviate that burden for you. Our goal is to make this process as seamless and stress-free as possible for you while ensuring that you recover the full and proper settlement for your loss that you need and deserve.
Step 1 - THE DISCUSSION
Your Claim, Our Strategy – It all begins with a no-obligation, in-depth review of your claim. We know that by the time most clients reach us, they’ve already experienced confusion, frustration, or a settlement offer that simply didn’t feel right. We will review all claim documentation including estimates, letters, policy, photos, and any other relevant items. We will then work directly with you to map out the most effective path forward. Rest assured that we will only make an offer to work with you if we are confident that we will add value to your claim.
Step 2 - THE EVALUATION
Exhaustive Inspection & Document Review – Once we partner, our team immediately gets to work on your claim. We dive deep into your policy to ensure we fully understand how it applies to your specific loss, while carefully reviewing all existing estimates, photos and documentation. We then conduct an exhaustive, technology-driven inspection of the property using advanced field tools to document every aspect of your loss, ensuring nothing gets overlooked.
Step 3 - THE DEMAND
Estimate Preparation & Submission – We develop a comprehensive, line-item estimate utilizing industry-standard software, subjecting it to a rigorous three-tier review process covering field accuracy, technical precision, and compliance, to ensure nothing is missed. Once completed, we share it with you for your review, input and approval before submitting our entire claim package to the insurance company as The Demand.
Step 4 - THE NEGOTIATIONS
Expert Negotiation, Focused on Your Best Outcome – We stand strong on your behalf, skillfully negotiating for the resolution you need and deserve. When negotiations stall, we don’t back down, we guide you through your available dispute resolution options, to keep your claim moving toward the outcome you deserve.
Step 5 - THE RESOLUTION
Successful Resolution, Your Satisfaction is Key: The final step, this is what everything has been building toward. A fair resolution isn’t just our goal, it’s our standard. Our clients’ outcomes speak for themselves, and yours will too!
CLAIM QUESTIONS? WE HAVE ANSWERS
Peace of mind! We are here to represent you and your interest in the claim. Unfortunately, insurance companies often times deny claims that should be paid or do not pay enough money on a covered claim. This is not always the case and even when it is it may not be intentional. I know that most adjusters have the best of intentions but sometimes they may be inexperienced or simply trained to see things one way, the way the big insurance company wants it to be seen. As Public Adjusters our number one job is to get you the largest settlement available to you under your policy with the insurance company.
NO. Most states have laws stating that Public Adjusters are not allowed to represent the insurance companies. At Claim Concepts, we only represent the insuring public.
The public adjuster is employed by you, the insured. Their function is to represent your interests and ensure that you recover the proper settlement for all of your losses per the terms of your insurance policy. The insurance company’s adjuster works for the insurance company and is responsible to protect their interests throughout the claim.
Public Adjusters typically work on a contingency basis which equals a small percentage of any money recovered by the insurance company.
NO! This is NOT required under any policy that I have seen to date and I do not recommend it. In the event of a loss it is best to employ a Reputable Public Adjuster that knows what the policy will cover and what it takes to get your property back to its pre-loss condition. Many contractors will provide you with a competitive bid to make repairs but not necessarily get your property back to its pre-loss condition.
Yes! In most cases we can reopen your file with a supplemental claim. There are many factors involved. Give us a call and we will be happy to offer you a free claim consultation.
Not necessarily. It is not recommended to file a claim every time you spill a glass of water as you may become classified as a nuisance claim maker. Property insurance is typically rated based on your area which is why all homeowner rates increased in Florida after the hurricanes, whether you filed a claim or not. The risk is more related to the area where your property is located and in commercial situations the use of the property. However, it is known that there are databases where claim activity is logged and each insurance company may have their own stipulations based on claim activity of the individual or the property. Ultimately, you buy insurance to protect you in the time of a loss. If you are debating whether you should file a claim or not, please feel free to call and speak with one of our Public Adjusters about your particular situation, we are always happy to help.
Do not do anything before having a qualified Public Adjuster or Attorney take a look at your file. Depending on the way everything is written you may be agreeing to their offer by depositing the check. Please call our office and speak with one of our Public Adjusters about your particular situation, we are always happy to help in any way we can.