It happened in seconds.
The damage is anything but simple.
A tree through the roof. A vehicle into the structure. A sudden collapse or other serious impact. These losses happen in an instant and leave significant, complicated damage behind: structural, hidden, and easy to underestimate from the curb.
Impact damage radiates. The hole is obvious. The shifted framing, cracked assemblies, and water that followed are not.
When something heavy hits a structure, the force travels through rafters, walls, and foundations, far beyond the visible point of impact. And the moment the building envelope is opened, weather starts doing its own damage. An estimate based on patching the hole almost never reflects what it actually takes to restore the building.
We document what your insurance company misses.
After a fire or a major water loss, you don't need a call center. You need someone who picks up the phone, comes to your property, and knows exactly what your claim is worth.
That's what AdjustFair is. We take on serious residential and commercial losses, the complex claims where the difference between handling it yourself and having someone document it properly can be tens or even hundreds of thousands of dollars.
We scan the property in 3D, build the estimate in Xactimate, and read your policy line by line for coverage you may never have been told about. Then we deal with the insurer so you don't have to.
A public adjuster does exactly what the insurance company's adjuster does. Same training, same tools, same software. Pointed in one direction: yours.
What a complete impact claim actually includes
Loss of use
If the home isn't safe to live in during repairs, your policy typically covers where you live in the meantime.
Contents & interior
Everything the impact and the exposure damaged inside, inventoried and valued.
Code upgrades
Repairs to older structures routinely trigger current code requirements. Many policies cover the difference, when someone claims it.
Emergency stabilization
Tarping, board-up, shoring, and tree or debris removal: covered costs that should never come out of your pocket.
Secondary water damage
An opened roof or wall lets weather in. The water damage that follows the impact belongs in the claim.
Structural scope
The full extent of impact damage, from framing to roof systems to load paths, documented properly, with engineering involvement when the damage warrants it.
How we work an impact loss
We document the full scope before repairs hide it, with 3D scans, photographs, and structural documentation, then build the estimate in Xactimate so every line is defensible.
We review your policy for the coverage that applies, present the claim, and handle the insurance company from there. When something major happens fast, the documentation has to happen faster.
Stabilize first, settle later. Protecting the property from further damage is both urgent and required by your policy. But emergency repairs are not the final scope. Don't let a quick tarp-and-patch estimate become the basis of your settlement.
Major damage? Get it documented before it's covered up.
Tell us what happened. We’ll document the full damage and tell you honestly what your claim may be worth. Free, no obligation.
