When your property is damaged, the insurance process can be confusing, time-sensitive, and stressful. Lightman & Fields represents North Carolina homeowners and businesses with detailed claim documentation and strong negotiation—so your settlement reflects the true scope of your loss.
Insurance policies aren't "one size fits all," and the way a claim is handled can vary by carrier, policy language, and the type of loss. Our team understands the ins and outs of property insurance claims in North Carolina and helps policyholders navigate the fine print, deadlines, and documentation requirements that can impact coverage and payout.
Whether you're dealing with storm damage, water intrusion, fire/smoke damage, theft, or a large-loss catastrophe, we focus on building a clear, evidence-based claim presentation—so nothing important is missed and you're not left trying to negotiate alone.
A licensed public adjuster works for you—not the insurance company. We help document the damage, prepare an itemized scope and estimate, organize supporting evidence, and communicate directly with the carrier to pursue a fair settlement.
With Lightman & Fields, you get:
Lightman & Fields provides claims support across North Carolina statewide, including:
A public adjuster represents the policyholder (you), not the insurance company. We inspect and document the damage, prepare a detailed claim package, support the value of repairs/replacement, and negotiate with the carrier to pursue a fair settlement.
Ideally, call as early as possible. Early involvement helps protect evidence, avoid missed damage, and keep the claim organized from the start. If you already filed, we can still help—especially if the claim is delayed, underpaid, or denied.
We help homeowners and businesses with many types of losses, including storm and wind damage, water damage (including leaks and burst pipes), hurricane impacts, fire/smoke/soot damage, theft/vandalism, and other large-loss or complex property claims.
Common reasons include rushed inspections, incomplete scopes of repair, missed hidden damage (like water intrusion), disagreements over pricing, heavy claim volume after major storms, and strict documentation requirements or deadlines.
Yes. If your claim was denied, we can review the carrier’s decision, identify what may be missing or unsupported, and help you pursue the coverage you paid for.
Often, yes—especially if additional damage is discovered or the estimate doesn’t reflect what it truly takes to repair. The best next step is a review of your documents and the current condition of the property.
Yes. We represent both residential and commercial policyholders in North Carolina, including homeowners, landlords, property managers, and business owners.
We serve clients statewide in North Carolina, including Asheville, Franklin, Highlands, and surrounding communities.
If it’s safe: prevent further damage (temporary measures), take photos/video, keep receipts, and avoid throwing away damaged materials until they’re documented. Then call us so we can help you plan next steps and protect the claim.
Call (561) 627-3089 to request a consultation. We’ll ask a few questions about the loss, review what’s been done so far, and explain the best next steps.
If your home or business has property damage and you need help with the insurance claim, call Lightman & Fields. We’ll review what happened, explain next steps, and help you protect your claim from the start.
