Public Adjuster Firm — Charleston, SC
Your claim is bigger than the carrier says. Let's prove it.
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When an insurance company sends its own adjuster to evaluate your damage, you need someone in your corner with equal expertise. Capital Claims Group is a licensed public adjuster based in Charleston, SC, who represents policyholders — not carriers — through every stage of the claims process. From the initial inspection to the final check, Capital Claims Group documents, negotiates, and advocates on your behalf.
Tell Capital Claims Group about your claim. Most inquiries get a reply the same day.
Share what happened. Review your policy and damage. No cost, no pressure.
On-site assessment, photos, measurements, and scope of loss — the record carriers take seriously.
Your claim is filed, tracked, and negotiated on your behalf with a clear paper trail.
You only pay if you recover — a percentage of what's collected. No recovery, no fee.
A licensed public adjuster is the only claims professional legally allowed to represent you — the policyholder. Field adjusters and independent adjusters work for the insurance company.
Claims move faster and pay fairer when the paperwork, photos, and scope of loss are prepared the way carriers expect. That's the whole job.
Contingency-fee billing means no out-of-pocket cost. The percentage is disclosed in writing upfront and regulated by state law.
Even a claim you already settled can be reopened. Supplements on missed line items are common — and often substantial.
Typical public adjuster results on common claim types in South Carolina. Actual outcomes depend on policy language, damage, and timing.
A Charleston homeowner was offered a partial-slope patch after a storm. Matching-shingles analysis and state-specific matching statute arguments converted the decision to a full roof replacement — with manufacturer-specified ice-and-water shield, drip edge, and code-required upgrades included.
An initial carrier estimate missed several covered line items. Careful scope review, supporting photographs, and code-required documentation resulted in a supplemental payment materially larger than the original offer — returning the policyholder closer to whole.
If your policy is with any of these, Capital Claims Group can help.
Be the first to share your experience with Capital Claims Group.
A licensed public adjuster works for you — the policyholder — not the insurance company. They document your damage, interpret your policy, and negotiate directly with the carrier so you recover the full amount you're owed. Capital Claims Group handles the paperwork, inspections, and calls so you can focus on getting your life back together.
Public adjusters in South Carolina work on contingency — a percentage of the settlement they recover. There's no upfront cost. If you don't recover, you don't pay. Fee percentages are regulated by state law and disclosed in writing before any work begins.
The earlier the better. Bringing Capital Claims Group in before you file (or right after you file) means the damage gets documented properly from the start. But even after a denial, delay, or lowball settlement, a public adjuster can re-open the claim and pursue a supplement — South Carolina law allows it.
The opposite, usually. Carriers respond faster when there's a licensed professional managing the paper trail, deadlines, and inspections. Capital Claims Group knows what documentation the carrier needs and how to move the claim forward without the back-and-forth that stalls most homeowners.
A field adjuster works for the insurance company — they come out to assess damage on the carrier's behalf. A public adjuster works only for you. Same job title — opposite sides of the table.
Answers based on public adjuster best practices in South Carolina. Capital Claims Group can speak to your specific situation in a free call.
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