South Carolina Public Adjusters in York County help with Rock Hill Hail Claims
The April 20th, 2024 hail storm in Rock Hill, SC left a trail of damages, affecting numerous homes and businesses in its path. Reports indicate the high velocity hail included stones up to 3” in diameter and winds of up to 90 mph. To put it in perspective, these hail stones where the size of softballs!
Taking prompt action after a severe storm like this is vital. If you know you have damage, you need to file your claim as soon as possible. Delaying the assessment and filing of insurance claims can result in complications that could potentially reduce your settlement or in the worst case scenarios, lead to your claim being denied.
As licensed South Carolina Public Adjusters, we have been involved in quite a few hail damage claims and wanted to share some information that we feel will be valuable to victims of the April 20th hail storm in Rock Hill.
Assessing Hail & Wind Damage: What to Look For?
When assessing damages after a storm like this, it is essential to inspect your property thoroughly. Look for signs of damage on your roof, siding, windows, screens, fences, and outdoor structures & appliances. There will typically be obvious damages as well as some that may not be obvious, all damages need to be documented and presented to the insurance company. This is where a seasoned Public Insurance Adjuster in Rock Hill, SC may be of great assistance.
BEWARE: After storms like this, the streets will be swarming with roofers and other restoration contractors going door to door soliciting. They will typically pitch you that “the insurance company will pay for everything, just sign here and we will take care of it.” These contractors will almost always have you sign a contract on an iPad, and most of our clients have never even received a copy of what they signed. Be very careful with these types of solicitors as they are storm chasers and will likely be moving on out of your area as soon as another storm hits somewhere else.
Navigating the Insurance Claim Process
Understanding the insurance claim process can be daunting, but with the right guidance, you can navigate it effectively. As York County Public Adjusters, we are here to help guide you through the often-complicated insurance claims process. Unlike staff or independent adjusters that represent the insurance company, as Public Insurance Adjuster (often referred to as Private Insurance Adjusters), we exclusively represent policyholders throughout the claim process to ensure our clients recover the claim settlement that they need and deserve.
Expert Tips for Maximizing Your Claim
You don’t always need to retain a Public Adjuster to help with your claim, many people like to first see what the insurance company does before making the decision. This is completely understandable and sometimes it is what we recommend. The downside is that a Public Adjuster is not going to be able to undo what was done prior to their involvement. For this reason, I want to share a few pointers that may be able to help, consider the following expert tips:
1. Document the Damage Extensively
Take detailed photographs and videos of the damage to provide substantial evidence for your claim. Be sure to capture the actual damages as well as the surrounding areas. Showing downed trees, branches and excessive leaves under trees all help to document that an event occurred at your property.
2. Keep Records of Repair Estimates
Many insurance companies will recommend that you get 3 estimates from contractors. While it is a good idea to speak with a few contractors to try and get an idea of how much your damages are, we don’t always recommend submitting everything you obtain. We have seen cases where a contractor made an error in an estimate and this can become very difficult to correct once it is submitted to your insurance company as they will likely use it against you down the road. The adjuster should prepare their own estimate and should be able to do so without your assistance. Your duty is to provide access to the property and show them the damages. Any competent adjuster should be able to handle it from there.
3. Understand Your Policy Coverage
Familiarize yourself with your insurance policy to understand what damages are covered and any exclusions that may apply. For hail related claims, you will want to see if you have an endorsement titled something along the lines of “Roof Schedule”. You will also want to review your deductible as there may be a separate rate for windstorm or hail.
Securing Your Settlement: Why Professional Assistance Matters
As South Carolina Public Adjusters, we offer invaluable assistance throughout the claim process. Unlike insurance company adjusters, we work solely on your behalf to ensure you receive fair compensation. We are familiar with all of the potential pitfalls within the policy and know how to properly investigate, estimate and ultimately recover the settlement that you need and deserve for your claim.
FAQs (Frequently Asked Questions)
- How long do I have to file a hail damage insurance claim? You typically have a limited window to file a claim after the hail storm. Contact us for guidance on specific timelines as they can vary from Policy to Policy.
- Do I need to obtain multiple repair estimates? It is common for adjusters to recommend you get 3 estimates. This is not a requirement in any policy I have reviewed to date.
- Can I handle the insurance claim process on my own? While you can handle the process independently, professional assistance can significantly increase your chances of securing a fair settlement.
- How long does the insurance claim process typically take? The duration of the claim process varies depending on factors such as the complexity of the damage and the responsiveness of the insurance company. We strive to expedite the process on your behalf.
Conclusion: Public Insurance Adjusters will be your guide throughout the process.
Don’t let the aftermath of the hail storm overwhelm you. You don’t have to sit back and let the insurance company and their team of adjusters dictate the outcome of your claim. With expert guidance and proactive steps, you can navigate the insurance claim process with confidence and secure the settlement you need and deserve.
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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.