It is one of the most common — and most important — questions policyholders forget to ask: "Who, specifically, is going to handle my claim?" At Mantis Claims Group, the answer is simple and it never changes. We do. In-house. The licensed adjuster you speak with is the licensed adjuster who handles your file.

Why This Matters

Some firms run on a bait-and-switch model: the senior, confident voice on the sales call is not the person doing the work. Once the contract is signed, the file moves to a junior adjuster, an unlicensed assistant, or a subcontracted third-party firm you have never met and did not agree to.

That's a problem for three reasons:

Expertise gap. The person who sold you is not the person negotiating with your carrier. The experience you were promised is not the experience you actually receive.
Communication gap. When you have a question about your file, you are routed through multiple people, updates get lost, and nobody has full context.
Loyalty gap. NC GS § 58-33A-80(a) requires a public adjuster to act solely in the insured's interest. That duty is harder to honor when the file has been handed to a subcontractor whose incentives are not aligned with yours.

Our Commitment: No Subcontracting

Mantis Claims Group does not sub out claim work. Not to third-party firms. Not to out-of-state adjusting mills. Not to contractors or restoration companies. When you hire us, the work stays with us, start to finish.

That means the same licensed NC public adjuster who:

Takes your first call
Reviews your policy and initial documentation
Walks the loss site with you
Writes the scope of damages and the estimate
Submits the claim or supplement to the carrier
Negotiates with the carrier's adjuster or desk examiner
Reviews and explains every settlement offer
Closes the file

… is one and the same person. You get continuity, accountability, and a direct line to the decision-maker on your claim.

What "In-House" Actually Means on Your File

One point of contact.

You have one phone number and one email. You do not get routed through a call center, a case manager, or an intake coordinator. When you call, you reach the adjuster working your file — or a direct return call, quickly.

One set of eyes on every document.

Policy review, damage documentation, scope writing, estimate building, correspondence with the carrier — all done by the same licensed adjuster. Nothing is handed to a template jockey or a data-entry contractor. Continuity produces better claim packages, and better claim packages produce better settlements.

One set of loyalties.

The licensed adjuster on your file answers to you. Not to a parent firm's productivity quotas. Not to a restoration contractor's repair budget. Not to an out-of-state partner whose financial interest differs from yours. NC law says your adjuster owes loyalty to you alone. We structure the business so that duty is easy to honor.

What We Do Coordinate (Transparently)

Complex claims sometimes benefit from specialized outside expertise — a forensic engineer to evaluate structural causation, a CPA to document business interruption losses, an attorney if the claim moves toward litigation. When that happens:

You are told in advance.
You decide whether to engage them.
Their fees are disclosed and separate from ours.
We coordinate the work — but we do not hand off your claim.

See our guide to the professional network we coordinate for a fuller picture.

Ask Any Adjuster You're Considering

Before you sign with anyone, ask these questions — and get the answers in writing:

Will you personally handle my file, or will it be assigned to someone else?
If assigned, to whom — what is their name and NC license number?
Will any portion of my file be subcontracted to a third-party firm?
Who will inspect my damage, write the scope, and negotiate the settlement?
Who is my single point of contact, and what is their direct phone?

For the full pre-hire checklist, see Questions to Ask Before Hiring a Public Adjuster in NC.

Who Will Actually Handle My Claim? Why Mantis Works Every File In-House.