The adjuster works for the carrier. We work for you.
Filing a claim, meeting an adjuster, agreeing on scope, getting paid — it's a process. We've done it thousands of times across nearly every major carrier. Here's how it works with us.
From damage to final payment.
- 01Damage occurs. Water, fire, storm, mold — whatever the cause.
- 02Contact Wiley. Free, no-obligation inspection. We document what we see.
- 03Assessment. We tell you straight whether the damage warrants a claim. Sometimes it doesn't — we'll say so.
- 04File the claim. If a claim makes sense, you (or we, with your authorization) file with the carrier.
- 05Adjuster meeting. We meet your adjuster on-site. Walk the damage together. Align on scope before any disagreement.
- 06Estimate & scope agreement. Xactimate scope sent to you and the carrier. Adjustments documented.
- 07Work begins. Mitigation first if emergency. Reconstruction after scope agreement.
- 08Supplements for hidden damage. Found during demolition or repair. Documented, photographed, submitted to the carrier with supporting evidence.
- 09Completion & final docs. Final invoice and supporting documentation submitted to the carrier.
- 10Final payment. We collect the deductible from the homeowner; the carrier pays the balance.
Who we work with.
We've worked with nearly every major property carrier across 26 years. We know what each one needs documented and how their adjusters are trained to scope a loss.
Frequent carriers include State Farm, American Family, Auto Owners, and several regional and mutual insurance companies.
What we document differently
- Hidden damage. Photographed and noted at discovery — not at billing.
- Code upgrades. Required by current code but not part of the original construction. Often missed by adjusters.
- Soft-metal hail damage. Gutters, flashings, and ventilation. The most-missed scope on storm claims.
- Drying logs. Daily moisture readings tied to equipment days for water losses.
Why almost every job needs one.
Adjusters are flooded with claims. They're human. They miss line items because of volume, not because they're hiding anything. That's why having someone on your side matters — we catch what gets missed.
Some supplements are unavoidable: hidden damage you can't see until demolition exposes it. Documenting those finds at the moment of discovery is what gets them paid on the final invoice instead of denied.
If the deductible is the obstacle, we can help.
We currently work with Acorn and Hearth for deductible financing. Approval ranges typically $1,500 to $9,000.
Important to note: anyone who offers to waiveyour deductible is breaking the law. That's insurance fraud. If they're willing to break the law to win the job, what other rules will they not follow on your property?
With percent-of-policy wind/hail deductibles (1–2%) becoming standard, deductible financing has become a more practical option for many homeowners. We're happy to walk through the options with you.
What we don't do
- Waive your deductible (illegal)
- Promise an approved claim (carrier's decision, not ours)
- Pad scope to inflate the claim
- Add line items that don't belong on your specific loss
- Sign you to a contingency contract before the inspection
Filing a claim? Or unsure whether to?
Free inspection. Honest opinion. No contingency contract required to get our take.