North Carolina Public Adjusters
From coastal hurricanes and hail to mountain flooding and disputed roof claims, Naiche represents North Carolina homeowners and business owners against their insurance company — statewide, at no upfront cost.
Austin Bernaiche, NC Public Adjuster Lic. #20675006
Licensed Public Adjusters Serving North Carolina Policyholders
SERVING EVERY CLAIM TYPE IN NC
Common North Carolina Claims We Handle
Every claim type below is handled the same way regardless of where you're located in Nprth Carolina — explore the specifics of each.
Sudden loss, gradual leak, and flood-related disputes.
Hurrican & Wind Damage
Wind damage from named storms and severe weather.
Statewide Coverage ACROSS NORTH CAROLINA
North Carolina Cities We Serve
Naiche is headquartered in Vernon, CT, and represents policyholders throughout the North Carolina, from the coast to the mountains.
Charlotte
Raleigh
Greensboro
Durham
Winston-Salem
Fayetteville
Cary
Danbury
Wilmington
Asheville
High Point
Concord
Greenville
Don't see your town listed? We serve policyholders statewide — contact us to confirm coverage in your area.
Works for the insurer
Company / Staff Adjuster
A salaried employee of your insurance company. Assigned automatically when you file — no fee to you, but no obligation to maximize your payout either.
These terms get confused often — and the difference determines whose side someone is actually on.
How we operate: We don't door-knock, cold-call, or pressure anyone to sign on the spot. You reach out to us — never the other way around.
Know who You're Hiring
insurance adjuster vs public adjuster in NORTH CAROLINA
Also works for the insurer
Independent Adjuster
Despite the name, still hired and paid by the insurance company — typically brought in during high claim volume after a regional disaster.
Works for you
Public Adjuster (Naiche)
Licensed and hired directly by you, the policyholder. Paid only as a percentage of your settlement, capped at 10% by Connecticut law.
our process for NORTH CAROLINA claims
How We Work
The same rigorous process, applied to your specific claim type and location.
1
Free Consultation & Policy Review
We review your Connecticut policy and explain your options at no cost.
2
Inspection & Documentation
We document the full scope of damage — including what's easy to miss.
3
Claim Preparation & Submission
We build a detailed, defensible claim package on your behalf.
4
Negotiation & Settlement
We negotiate directly with your insurer on your behalf to resolve your claim.
What to expect: we get in touch during business hours — no chasing us for updates.
G.S. §58-33A-65(d) requires a public adjuster to disclose in writing any financial interest in, or compensation from, a construction firm, salvage firm, building appraisal firm or motor vehicle repair shop involved in your claim. Naiche holds no such interest and receives no such compensation. You choose your own contractor.
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Financial Ties Disclosed In Writing — By Law
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Fee Ceiling Of 10%, And Nothing Before Settlement
North Carolina law (G.S. §58-33A-60) sets a ceiling of 10% of the insurance settlement or proceeds, and bars any public adjuster from taking a fee, retainer or deposit before your claim settles. Your exact percentage is written into your contract before you sign.
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Licensed in North Carolina
Austin Bernaiche is a licensed public adjuster in North Carolina (Lic. #20675006). You can verify any adjuster's licence through the North Carolina Department of Insurance.
North Carolina Public Adjuster Licensing & Fees
Public adjusting is a regulated profession in Connecticut. Here's exactly what state law requires — and what protects you.
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Three Business Days To Change Your Mind
G.S. §58-33A-65(i) gives you the right to rescind the contract in writing within three business days of signing. Anything of value you have given is returned to you within 15 business days.
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NC Department Of Insurance Oversight
Complaints can be filed with the NCDOI Consumer Services Division: 1-855-408-1212 or ncdoi.gov.
Example: how a 10% fee actually works
Insurer's final settlement
Naiche's fee (10% ceiling by NC law)
You receive
Illustration only. Outcomes depend on your policy, your loss and the facts of your claim. The fee applies only to the settlement amount — never to money you haven't received, and never before your insurer pays. Deductibles and depreciation holdbacks are separate from this fee and depend on your specific policy.
$30,000
− $3,000
$27,000
We don't promise a specific settlement figure or a guaranteed payout — every claim is different. We'll walk you through your policy and how we'd approach the claim before you sign anything.
NORTH CAROLINA claims FAQs
Frequently Asked Questions About nC Claims
Naiche works on a contingency basis. North Carolina law sets a ceiling of 10% of the insurance settlement or proceeds, and no public adjuster in the state may take a fee, retainer or deposit before your claim settles. Your exact percentage is written into the contract and agreed before you sign.
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No. Naiche holds no interest in, and receives no compensation from, any construction firm, salvage firm, building appraisal firm or motor vehicle repair shop. North Carolina law requires a public adjuster to disclose any such interest in writing, and we have none to disclose. You choose your own contractor.
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Yes. North Carolina gives you three business days from signing to rescind the contract. The rescission must be in writing and delivered or mailed to the address in the contract within that window. Anything of value you have given is returned within 15 business days.
It depends on the size and complexity of the loss. A public adjuster prepares and presents your claim, documents the scope of damage, and handles the back-and-forth with your insurer on your behalf. For a small, straightforward claim that has already been paid in full, you may not need one. Austin will tell you honestly at the consultation whether we can add anything to your situation.
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We document only verified, actual damage. We never inflate estimates or claim work that wasn't performed — our reputation and license depend on it.
Yes. We work with homeowners, business owners, and condominium and homeowners associations, where master policies and individual owner policies both come into play.
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Licence status can be checked through the North Carolina Department of Insurance. Austin Bernaiche's North Carolina public adjuster licence number is 20675006. You can also reach NCDOI Consumer Services on 1-855-408-1212.
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We represent policyholders across North Carolina. If your town isn't listed above, get in touch and we'll confirm.
Policyholder Advocates Only
Austin Bernaiche, Lic. #20675006
Licensed Public Adjusters
Serving policyholders statewide
Headquartered in Vernon, CT
Financial ties diclosed in writing, by NC law