Nicholas Ferguson

Services

I provide professional claims support for insurance carriers, independent adjusting firms, attorneys, and contractors. Every assignment is handled with the same standard: thorough documentation, clear communication, and timely delivery.

Field Inspections

IA firms and carriers assigning residential property claims.

What's included

  • On-site inspection of the reported loss
  • Comprehensive photo documentation (exterior, interior, affected areas, context shots)
  • Measurements and diagrams as required
  • Initial scoping notes and observations

What I need from you

  • Assignment details (claim number, insured contact, loss date, reported damage)
  • Program-specific guidelines or inspection checklists (if applicable)

Xactimate Estimates

Carriers and firms that require Xactimate-formatted estimates.

What's included

  • Xactimate estimate prepared to program standards
  • Line-item detail with pricing aligned to current databases
  • Sketch/diagram included where applicable
  • Estimate packaged with supporting photos and notes

What I need from you

  • Inspection access or assignment to inspect
  • Program-specific guidelines (price list, coverage parameters, depreciation preferences)

Catastrophe Response

IA firms and carriers needing additional adjusters during named storms and weather events.

What's included

  • Rapid deployment within FL and TX
  • High-volume inspection and estimate capacity
  • Consistent file quality maintained under CAT conditions
  • Daily status updates and communication

What I need from you

  • Deployment notice and staging details
  • Batch assignment distribution
  • Program guidelines and carrier-specific requirements

Availability for CAT deployment depends on current assignment load. Early coordination is appreciated.

Daily Claims

Carriers and IA firms with ongoing, non-catastrophe claim volume.

What's included

  • Consistent handling of residential property claims
  • Full inspection, estimate, and file documentation workflow
  • Adherence to SLAs and cycle time targets
  • Regular communication on file status

What I need from you

  • Steady assignment flow and clear program expectations
  • Access to carrier systems (if applicable)

File Documentation & Packaging

Firms, carriers, or attorneys who need complete, well-organized claim files.

What's included

  • Photo sets organized and labeled
  • Written narrative of inspection findings
  • Xactimate estimate with supporting documentation
  • File packaged per program or legal requirements

What I need from you

  • File format and organization requirements
  • Any specific documentation templates or checklists

Reinspections

Carriers, firms, or attorneys needing a second-look inspection.

What's included

  • Independent reinspection of previously inspected property
  • Comparison documentation noting changes, discrepancies, or additional findings
  • Updated photos and measurements
  • Written summary of findings

What I need from you

  • Original file or estimate for reference (if available)
  • Specific scope of reinspection (full re-scope vs. targeted areas)

Common Claim Scenarios

The following are common claim types I support. This is not an exhaustive list, and inclusion here does not guarantee specific expertise or outcomes.

Wind / Hurricane

Roof, siding, soffit, fascia, fence, screen enclosure damage from named storms and high-wind events

Water / Plumbing

Interior water damage from sudden and accidental plumbing failures

Hail

Roof and exterior damage from hail events

Fire / Smoke

Fire-related property damage and smoke exposure

Theft / Vandalism

Property damage resulting from criminal activity

Lightning

Electrical and structural damage from lightning strikes

Fallen Tree / Debris

Structural damage from trees or debris during weather events

All claims are handled according to the terms and conditions of the applicable insurance policy. I do not make coverage determinations — that responsibility rests with the carrier or authorized decision-maker.

The services described on this page represent the types of work I am available to perform. Actual scope, timeline, and deliverables depend on the specific assignment, carrier or firm requirements, and policy terms. Inclusion of a claim type on this page does not constitute a guarantee of expertise or results for that claim type.

Have a claim that needs attention?

I'm available for new assignments in Florida and Texas.