About
Stokes Public Adjusters, LLC advocates exclusively for policyholders during residential and commercial insurance claims. We specialize in storm, fire, water, mold, roof, flood, and complex property damage losses using advanced inspection technology, thermal imaging, drone services, and detailed claim documentation to help the policyholders to reach a fair and reasonable settlement and protect our clients throughout the claims process.
WATER DAMAGE/
FROZEN PIPE CLAIMS
As a policyholder, it's vital to protect your property from damage caused by frozen pipes. Freezing temperatures can lead to burst pipes and leaks Taking preventive measures can help avoid costly repairs and operational disruptions.
Storm Damage
Storm damage in the Midwest, mainly from tornados and hail, is costly and often hidden. Strong winds can dislodge shingles and damage roofs, while hail can crack and break windows. This concealed damage may lead to leaks and structural issues over time. Many property owners may not realize the severity until it worsens, risking denied insurance claims, timely inspections and thorough documentation after severe storms are essential, even if the property appears undamaged.
Lightning Strike Damage
Lightning can strike unexpectedly, damaging buildings, electronics, and household appliances. Based on State Farm 2020 claims data, the average cost for a lightning strike claim is approximately $12,000. Ground surges, the leading of lightning-related claims, can occur even if lightning strikes nearby, resulting in electrical spikes that can disrupt home electrical systems.
MOLD DAMAGE
Mold restoration is essential for health and safety, as the EPA warns that mold exposure can lead to various health issues, especially for individuals with respiratory problems or weakened immune systems. Mold thrives in damp conditions and often goes unnoticed until it becomes a major issue. The remediation process involves identifying moisture sources, removing contaminated materials, and cleaning the affected areas. Quick action is crucial to prevent mold spread and structural damage, and professional remediation ensures a safe and effective solution. Protect your property and health by addressing mold issues promptly.
Tree Fall On Structure
When a tree with a 2-foot diameter falls on a house due to strong winds, it can cause significant structural damage. Weighing between 2,000 and over 10,000 pounds, the tree's impact is concentrated at the point of contact, potentially crushing roofs and compromising walls. If it falls at an angle or gains momentum, the damage can be even worse, risking foundation shifts or roof collapses. Prompt inspections and repairs are essential to ensure the structure’s safety after such an event.
THEFT/VANDALISM
To make a theft and vandalism claim, it's crucial to document the incidents, file a police report and then contact your insurance company. A police report is often required by insurance companies to verify the incident and can help with any potential subrogation claims.
Vehicle Into A Building
When a vehicle crashes into a building, the insurance claim can become complicated. Though most homeowners or commercial property policies cover this damage, liability and extent of damage often cause issues. The claim may both the driver's auto insurance and the property owner's, leading to disputes over responsibility and necessary. If structural elements are affected, inspections may be required. Professional can help ensure accurate damage assessment and a fair settlement.
TESTIMONIALS FROM OURÂ CLIENTS
