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Wiley Services
Property damage scene
Insurance Claims

Your contractor on storm, fire, and water claims.

Filing a claim, meeting an adjuster, agreeing on scope, getting paid — it's a process. We've worked alongside it for 26 years. Wiley Services is not a public adjuster: we do not negotiate your policy or settle your claim. What we do is document our repair scope, meet your adjuster on-site, and give you and your carrier the evidence you both need.

The process

From damage to final payment.

  1. 01
    Damage occurs. Water, fire, storm, mold — whatever the cause.
  2. 02
    Contact Wiley. Free, no-obligation inspection. We document what we see.
  3. 03
    Assessment. We tell you straight whether the damage warrants a claim. Sometimes it doesn't — we'll say so.
  4. 04
    File the claim. If a claim makes sense, you file with the carrier.
  5. 05
    Adjuster meeting. We meet your adjuster on-site to walk the damage together and review our repair scope. Any differences between our scope and the adjuster's are documented for you.
  6. 06
    Estimate & scope. Xactimate-based scope provided to you for your records and, with your authorization, to the carrier.
  7. 07
    Work begins. Mitigation first if emergency. Reconstruction after you and your carrier reach agreement on scope.
  8. 08
    Hidden damage documentation. Found during demolition or repair, documented at the moment of discovery with photographs and measurements. The decision whether to pay a supplement is the carrier's.
  9. 09
    Completion & final docs. Final invoice and supporting documentation provided to you and, with your authorization, to the carrier.
  10. 10
    Final payment. We collect the deductible from the homeowner; the carrier pays the balance.
Carriers

Who we work with.

Most major property carriers across 26 years. Each carrier has its own documentation conventions and we adapt our scope packets accordingly.

Frequent carriers include State Farm, American Family, Auto Owners, and several regional and mutual insurance companies.

What we document thoroughly

  • Hidden damage. Photographed and noted at discovery.
  • Code upgrades. Required by current code but not part of the original construction. Documented as a scope item for your carrier's review.
  • Soft-metal hail damage. Gutters, flashings, and ventilation. Frequently missed if not specifically inspected.
  • Drying logs. Daily moisture readings tied to equipment days for water losses.
Hidden damage

What surfaces during the work.

Initial scope reflects what is visible at the adjuster's first inspection. Some damage isn't visible until demolition exposes it — wet substrate behind drywall, soot inside cavities, structural compromise above a ceiling.

When we find it, we document the discovery at the moment it surfaces: photographs, moisture readings, material samples. That documentation goes to you. Whether the carrier pays a supplement for those items is the carrier's decision — we provide the evidence so you can have that conversation on facts, not guesses.

Deductibles

What we can and can't do.

Anyone who offers to waiveyour deductible is breaking the law. That's insurance fraud. If a contractor is 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, deductibles can be a meaningful out-of-pocket expense. If yours is an obstacle, talk to your carrier or your bank about deductible-financing options that work for your situation — many third-party lenders serve this market.

Wiley Services does not receive compensation for steering customers to any particular lender. We will not pad scope, promise claim approval, or sign you to a contingency contract before the inspection.

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
  • Hold ourselves out as a public adjuster — we are not one

Filing a claim? Or unsure whether to?

Free inspection. Honest opinion. No contingency contract required to get our take.