North Carolina Public Insurance Adjuster Services

Wind Damage

Inland wind events and severe thunderstorms frequently cause roof failures, siding damage, fallen trees, and structural issues across North Carolina.

Many wind claims are under-scoped or partially denied due to arguments about pre-existing wear and tear. Gavnat ensures:

• Proper inspection of roofing systems and elevations
• Documentation of uplift, creasing, and structural compromise
• Accurate pricing for full replacement when warranted
• Review of policy provisions affecting wind deductibles

Wind damage isn’t always obvious from the ground. A thorough evaluation protects your right to full recovery.

Water Damage

Water losses—whether from storm intrusion, pipe bursts, or appliance failures—often result in hidden damage behind walls and under flooring.

Insurance carriers and their preferred vendors may focus only on visibly wet materials. We ensure your claim accounts for:

• Moisture mapping and full mitigation scope
• Mold risk and secondary damage
• Matching issues for flooring and finishes
• Business interruption or loss of use where applicable

Hurricane

North Carolina’s coastal exposure makes hurricane claims especially complex. These losses often involve a combination of wind, wind-driven rain, and storm surge—leading to disputes over what portion of damage is covered.

We help policyholders:

• Document structural and interior hurricane damage
• Address wind-driven rain and envelope failures
• Navigate wind vs. flood coverage disputes
• Evaluate ordinance & law upgrades after major storms
• Support business interruption claims for commercial losses

Hurricane claims require detailed causation analysis and thorough documentation—especially when large-scale storm events impact entire regions.