WELCOME
Welcome to Stokes Public Adjusters, proudly assisting homeowners, businesses, and communities in recovering with confidence since 2009. With an impressive 97% success rate in achieving fair and reasonable settlements without attorneys, we have managed hundreds of complex claims. Rely on our experienced team for valuable insights on your claim, beginning with a complimentary property claim review. Allow us to expertly navigate high-stakes residential and commercial disputes with care and professionalism.
NAFE-STYLE ROOF REPAIRABILITY ASSESSMENT
Insurance carriers often prepare estimates for spot repairs or replacement of a limited number of shingles. The issue is whether that repair can actually be performed in the field without causing damage to the surrounding roof materials.
Our repairability assessment is designed to document whether a proposed roof repair is reasonably possible based on the actual field conditions observed at the roof. We inspect and document the surrounding shingles, adhesive seal bonds, nail removal requirements, granule displacement, cracking, creasing, mat transfer, delamination, and whether the repair process itself results in additional direct physical damage to adjacent shingles.
This assessment may be useful when a carrier has paid for a limited roof repair, but the repair cannot be completed without disturbing, separating, tearing, creasing, or damaging surrounding shingles. Our assessment follows industry-recognized repairability testing methods and documents the findings through photographs, field observations, and written analysis.
WATER DAMAGE/ INFRARED THERMOGRAPHY
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. Here at Stokes Public Adjusters , we hold a level 1 Thermography certification to help find hidden moisture by understanding the laws of thermodynamics and how heat transfers.
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UNDERSTANDING COLLAPSE CAUSED BY HIDDEN DECAY OR VIBRATION
Collapse damage is not always as simple as a wall, ceiling, roof, or structure completely falling to the ground. In many property claims, collapse may involve a sudden caving in, separation, sagging, displacement, or failure of a building component that can no longer safely support itself.
One of the most important issues in a collapse claim is determining why the structure failed.
Sometimes the damage is connected to hidden decay damage that was not visible or known until the structure was opened, inspected, or partially removed. Hidden decay may involve framing, roof decking, floor joists, wall studs, rafters, sill plates, sheathing, or other structural components concealed behind finished materials.
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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 ROOF
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.
HAIL AND WIND DAMAGE
When hail strikes a roof, it can bruise, fracture, loosen, or displace the protective granules on asphalt shingles. Weather exposure, and water intrusion. Hail can also damage the mat of the shingle, create impact marks, loosen seal bonds, or weaken the roof system over time. Hail damage should be evaluated by more than just counting marks on a roof. A proper inspection should document the size, location, direction, and pattern of damage, along with collateral damage to soft metals, vents, gutters, downspouts, siding, screens, and other building components.
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TESTIMONIALS FROM OURÂ CLIENTS
