Public Adjuster

Commercial property damage claims are bigger, more complex, and take longer than home claims. We work with offices, warehouses, retail stores, restaurants, hotels, and factories. Our public adjusters document everything — structural damage, contents, equipment, inventory, and business interruption losses — so nothing gets left out.

→ Get Help with Your Commercial Claim

HOA and condo association insurance claims are tricky. Multiple units, shared spaces, and board approval needs make the process harder. Our public adjusters work directly with your board and property manager to document all property damage across common areas and individual units — and fight for the full settlement your association deserves.

→ Get Help with Your HOA & Condo Association Claim

Hail damage causes billions in property damage every year. A few dents can turn into big problems fast — cracked shingles, bent gutters, broken skylights, and damaged AC units. Our public adjusters use drones, thermal cameras, and storm data to document every impact point on your hail damage claim. Then we fight for full replacement — not a cheap patch job.

→ Get Help with Your Hail Claim

Your roof is your first line of defense — and roof damage claims are the most common source of insurance claim disputes. Whether the damage is from hail, wind, fallen trees, or wear caused by a covered event, insurers love to lowball roof damage claims or blame "pre-existing conditions." Our public adjusters use drone photos, manufacturer specs, and local code requirements to prove the real damage and push for full replacement.

→ Get Help With Your Roof Damage Claim

Wind damage and tornado damage can rip off roofs, blow in walls, and scatter debris across your property. Insurance companies often try to limit wind damage claims by arguing the damage was "cosmetic." Our public adjusters document the full scope — structural, roofing, siding, fencing, and landscaping — and push back hard when your insurer tries to cut corners.

→ Get Help with your Wind Claim

Hurricane damage is never simple — wind, water, flying debris, and storm surge hit all at once. Insurance companies try to split wind damage from flood damage to pay you less on each. Our public adjusters document the full scope of hurricane damage and fight to maximize your insurance claim settlement under every part of your policy.

→ Get Help with your Hurricane Claim

Burst pipe in a Minnesota winter? Flooding after a Florida storm? Water damage and flood damage claims are some of the most underpaid insurance claims we see. Our public adjusters use moisture meters and thermal cameras to find hidden water behind walls and under floors — damage that the insurance company's adjuster often misses. Call us right away when water damage happens. Early proof matters.

→ Get Help with Your Water or Flood Claim

Fire damage and smoke damage claims cover a lot of ground — structural damage, lost belongings, smoke spread, and the cost of living somewhere else while repairs happen. Insurance companies often undervalue your belongings, argue about how far the smoke damage reached, and try to cap your living expenses. Our public adjusters handle all of it — from the building to your contents to your temporary housing costs.

→ Get Help With Your Fire or Smoke Claim

Ice dams are one of the most common—and most contested—causes of property damage in Minnesota and Wisconsin. When heat escapes through the roof, it melts snow that refreezes at the eaves, forcing water under shingles and into your home. Insurers routinely deny or underpay ice dam claims by blaming "maintenance." We document the damage pathway and argue for full coverage under your policy.

→ Get Help with your Ice Dam Claim

One lightning strike can cause serious property damage — fried electronics, burned wiring, a damaged AC system, a fire, and cracked foundations. Much of the lightning damage hides inside walls and attics where a basic inspection won't find it. Insurance companies tend to only cover what's obvious. Our public adjusters run full electrical and structural checks to document every system the strike affected.

→ Get Help with Your Lightning Damage Claim

Mold damage usually shows up after water damage — and it can make parts of your home or building unsafe to use. Insurance companies love to exclude mold damage or cap insurance claim payouts at low limits. Our public adjusters trace the moisture source, document how far the mold has spread, and push for full cleanup coverage under your policy.

→ Get Help with Your Mold Claim

Smashed windows. Stolen equipment. Trashed property. Theft and vandalism claims need detailed proof of what was taken or destroyed — including what you owned and what it costs to replace. We help you build a complete inventory and push your insurer to pay full replacement value, not a depreciated number.

→ Get Help with Your Theft or Vandalism Claim

When property damage shuts down your business, you lose more than just the building — you lose income. Business interruption insurance claims cover lost revenue, extra costs, and payroll during the closure. Insurance companies often fight these claims hard. Our public adjusters document your financial losses and negotiate your settlement for every dollar your policy covers.

→ Get Help with Your Business Interruption Claim

Even after a perfect repair, one accident can lower your car's value for good. Most people don't know they can file a diminished value claim — and car insurance companies almost never bring it up. Our public adjusters document your car insurance claim by comparing pre-loss and post-repair value, assessing repair quality, and pursuing full payment for both the fix and the lasting diminished value.

→ Get Help with your Car Insurance Claim

Boat insurance claims have their own set of rules. Whether your vessel was damaged at the dock, sank in a storm, or had a covered engine failure — our public adjusters know how to handle marine insurance claims. We document hull damage, engine loss, electronics, personal items on board, and salvage costs to get you the maximum settlement.

→ Get Help with Your Marine or Boat Claim

Shoreline brings specialized expertise to cyber insurance claims. Our team holds CISSP and CISA certifications—credentials that most public adjusting firms lack entirely. We understand the technical dimensions of ransomware, data breaches, and system failures, and we translate that into documented insurance claims that recover your losses.

→ Get Help with Your Cyber Claim

Can't agree with your insurer on what the damage is worth? Most policies have an appraisal clause — it lets both sides hire an appraiser, and if needed, a neutral umpire makes the final call. We act as your appraisal advocate. We build detailed damage estimates using Xactimate (the same software insurers use) and present strong, evidence-backed numbers. We also serve as umpires in disputed claims.

→ Get Appraisal or Umpire Support