Licensed Public Adjuster — Florida, Minnesota & Wisconsin

Commercial property damage claims involve higher dollar amounts, more complex policy language, and business income considerations that residential claims do not. Whether you own an office building, warehouse, retail space, restaurant, or industrial facility, we understand commercial policy endorsements, coinsurance clauses, and ordinance or law coverage. We handle the claim so your business gets back to full operation as fast as possible.

→ Get Help with Your Commercial Claim

When a storm, fire, or water event damages a condominium complex or HOA community, the claims process involves master policies, individual unit owner policies, and shared infrastructure that creates layers of complexity. Shoreline represents HOA boards and condo associations to ensure the full scope of common-area and structural damage is captured—roofing, siding, parking structures, pools, clubhouses, and shared mechanical systems.

→ Get Help with Your HOA & Condo Association Claim

Hail events cause billions in property damage each year across the Midwest and Gulf Coast. What starts as a few dents and dings can quickly turn into structural compromise—cracked shingles, dented gutters, shattered skylights, and damaged HVAC systems. We use drone inspections, thermal imaging, and NOAA storm data to document every impact point and fight for full replacement cost, not a patched repair.

→ Get Help with Your Hail Claim

Your roof is your property's first line of defense, and it is also the most common target of insurance claim disputes. Whether the damage comes from hail, wind, fallen trees, or age-accelerated wear from a covered event, insurers regularly try to depreciate roof claims or blame pre-existing conditions. We use drone photography, manufacturer specifications, and local building code requirements to document roof damage and push for full replacement when warranted.

→ Get Help With Your Roof Damage Claim

When your home or business suffers wind or tornado damage, it is not just about what is missing—it is about the structural integrity of everything still standing. Missing shingles, lifted roof decking, cracked framing, and compromised load-bearing walls all require professional assessment. We document the full wind path and pressure damage to ensure nothing is overlooked in your claim.

→ Get Help with your Wind Claim

Hurricane damage is never simple—wind, water, flying debris, and storm surge all wrapped into one catastrophic event. Insurance companies often try to separate wind damage from flood damage to minimize payouts across multiple policy provisions. We document the complete scope of hurricane loss and fight to maximize your recovery under every applicable coverage.

→ Get Help with your Hurricane Claim

From burst pipes during a Minnesota winter freeze to hurricane-driven flooding in Florida, water damage claims are complex and often underpaid. We use moisture meters and thermal imaging to detect hidden water intrusion behind walls and under flooring that insurance company adjusters frequently miss. Early documentation is critical—contact us immediately when water damage occurs.

→ Get Help with Your Water or Flood Claim

Fire claims involve structural damage, contents loss, smoke contamination, and additional living expenses. Insurance companies often undervalue contents and overlook secondary smoke damage in ductwork, insulation, and soft goods. We conduct detailed inventory documentation with replacement cost valuations and particulate testing to capture the full scope of loss.

→ 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

A single lightning strike can destroy electronics, fry wiring, damage HVAC systems, ignite fires, and crack foundations—often with damage hidden inside walls and attics that is not visible during a standard inspection. Insurance companies frequently underestimate the scope of lightning damage by only covering what is immediately obvious. We conduct full electrical and structural assessments to document every system affected by the strike.

→ Get Help with Your Lightning Damage Claim

Mold often follows water damage and can render portions of a property uninhabitable. Insurance companies frequently try to exclude mold or cap payouts at artificially low limits. We document the moisture source, extent of contamination, and remediation requirements to pursue maximum coverage under your policy terms.

→ Get Help with Your Mold Claim

Whether it is a smashed window, stolen equipment, or malicious property destruction, theft and vandalism claims require thorough documentation and aggressive negotiation. Insurance companies frequently undervalue stolen contents or dispute the extent of vandalism damage. We prepare detailed inventories with replacement cost valuations and push for full policy coverage.

→ Get Help with Your Theft or Vandalism Claim

When property damage forces your business to close or reduce operations, you may be entitled to lost income, extra expenses, and continuing operating costs under your commercial policy. Business interruption claims are among the most complex in insurance—we quantify your actual losses and present a documented claim the insurer cannot dismiss.

→ Get Help with Your Business Interruption Claim

One accident can lower your vehicle's value permanently—even after a perfect repair. Insurance companies rarely volunteer diminished value compensation, and most policyholders do not know they are entitled to it. Shoreline documents pre-loss market value, repair quality, and post-repair diminished value to pursue full compensation for both the repair and the lasting value loss to your vehicle.

→ Get Help with your Car Insurance Claim

Whether your vessel suffered hurricane damage at the dock, sank in a storm, or sustained mechanical failure covered under your marine policy, boat insurance claims come with their own set of rules and exclusions. Shoreline documents hull damage, engine loss, electronics, personal property aboard, and salvage costs to pursue the maximum recovery under your marine or yacht policy.

→ 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

When you and your insurance company cannot agree on the value of your loss, most policies include an appraisal clause that allows both sides to hire an appraiser and, if needed, a neutral umpire to determine the final payout. Shoreline serves as your appraisal advocate—we prepare detailed damage assessments using Xactimate and present evidence-backed valuations that hold up in the appraisal process. We also serve as umpires in disputed claims.

→ Get Appraisal or Umpire Support