The Legal Definition: What NC Law Says
North Carolina General Statutes § 58-33A-5 defines a public adjuster as any person who:
The key phrase is first-party claims. In North Carolina, public adjusters are licensed exclusively to represent policyholders in claims against their own property insurance policies — storm, fire, flood, hail, wind, water intrusion, smoke, and more. We do not represent policyholders in auto insurance or third-party liability claims.
Licensure, Bonding & Regulatory Oversight
Every North Carolina public adjuster must meet strict requirements before they can represent you:
Sources: NC General Statutes § 58-33A-50 · NC Resident Licensing Requirements — NIPR
Who Mantis Claims Group Represents
Mantis Claims Group specializes in large, complex commercial and industrial claims throughout North Carolina. We focus on claims where the stakes are high, the policy language is complex, and the difference between a carrier's initial offer and the full policy entitlement can amount to hundreds of thousands — or millions — of dollars.
The Numbers: Why Representation Matters
The cost of going it alone: Among the 14 largest reporting insurance companies, an average of 48% of claims were closed without payment in 2024 (Weiss Ratings / NAIC Data). Even when paid, approximately 30% of homeowners claims receive partial payments below the policyholder's actual loss amount.
What a Public Adjuster Actually Does: Step by Step
When Mantis Claims Group takes on your claim, here is what we do from day one through final settlement:
Policy Analysis
Full review of declarations, endorsements, exclusions, sub-limits, Ordinance or Law, BI/loss of rents, and more.
Damage Documentation
Comprehensive on-site inspection using moisture meters, thermal imaging, drone photography, and Xactimate estimates.
Proof of Loss
Detailed, policy-compliant proof of loss — preventing denials from improper submissions and missed deadlines.
Carrier Negotiation
Direct negotiation with the insurer's adjusters, engineers, and supervisors with documented evidence and case law.
Appraisal Advocacy
If needed, we coordinate the appraisal process and qualified neutral umpire selection under your policy clause.
Maximum Settlement
We don't close your file until the settlement reflects your full policy entitlement — our fee aligns us with your recovery.
Your Claim Deserves a Second Look
If your property has suffered storm, fire, flood, hail, or any other insured peril and you believe your claim deserves a second look, contact Mantis Claims Group today. We work on contingency — you pay nothing unless we recover more for you.