When your insurance company underpays, delays, or denies a Nebraska property claim, William J. Addis represents you — never the insurer — to recover what your policy actually owes.
Nebraska’s geography makes it especially vulnerable to high-wind, hail, and derecho events. Property owners across the state regularly face the same pattern: extensive damage, undersized initial estimates, and carriers slow-walking the supplemental scope.
Common Nebraska claim types we handle: hail across eastern Nebraska; agricultural and commercial building losses; tornado damage; wind storm scope across the Sandhills and Panhandle.
Nebraska’s open terrain makes wind and hail damage particularly severe and particularly underpaid by insurance carriers.
Important Nebraska disclosure
This page is an advertisement and a solicitation for public adjusting business by William J. Addis, licensed public adjuster (individual license #18667143). If you have an existing claim and are satisfied with your insurance carrier's offer, you may disregard this advertisement. Hiring a public adjuster is your choice — you have the right to negotiate your own claim, hire an attorney instead, or proceed without representation.
William J. Addis is licensed as a non-resident public insurance adjuster in Nebraska (license #18667143).
Public adjuster fees, contract terms, cancellation rights, and conduct standards are regulated by Nebraska law. Before signing any public adjuster contract, you have the right to review the contract terms, ask questions about the fee structure and services, and seek independent legal advice if desired. Nebraska requires written contracts for all public adjusting services; you should never pay a public adjuster before claim settlement, and you should never sign a contract that doesn't clearly state the fee.
Past results described on this website reflect outcomes achieved in specific prior claims; they are not guarantees, predictions, or warranties of future outcomes. Each claim is unique, and the outcome depends on the policy language, the facts of the loss, the carrier's position, and other factors that cannot be predicted in advance. Resolution Claims Consulting, LLC is licensed as a public adjusting firm in Illinois, Rhode Island, Colorado and Minnesota. In Nebraska, services are provided by William J. Addis under his individual license. We are not attorneys and do not provide legal services. If your claim involves a legal dispute that requires litigation, we may recommend you consult with a licensed attorney.
Verify our license through the Nebraska insurance regulator. License lookup links and contact information for the Nebraska insurance department are available on our Legal Disclaimers page.
Nebraska is one of the country's most severe-weather-exposed states. CoreLogic's analysis of homes at moderate-or-greater hail risk identified Texas, Nebraska, Missouri, Oklahoma, and Kansas as accounting for approximately 72% of all U.S. homes hit by 2-inch or larger hail in 2024. Nebraska sits in the heart of Tornado Alley and Hail Alley simultaneously.
The events driving Nebraska claim work:
Severe convective storm corridor. Nebraska experiences 50+ tornadoes per year and significant hailstorm activity. The state's combination of plains exposure, atmospheric instability, and large geographic area produces some of the most concentrated severe-weather claim activity in the country.
Derechos and straight-line wind events. The 2020 Iowa-Nebraska derecho ("Land Hurricane") produced approximately $11 billion in losses, with significant damage in eastern Nebraska. Derecho events produce damage patterns across hundreds of miles in single events.
Hail damage statewide. Nebraska hail events affect both Lincoln/Omaha metros and rural agricultural areas. The combination of frequency and severity makes Nebraska one of the highest hail-claim-per-capita states in the country.
Spring tornado outbreaks. April-June peak tornado season produces significant statewide damage. Tornado claims engage the full coverage stack and require careful documentation.
Winter storm damage. Nebraska winters produce ice storms, blizzards, freeze events, and snow load damage to commercial roofs.
Agricultural exposure. Nebraska's agricultural commercial property — grain bins, equipment storage, agricultural buildings — has specific coverage and scope considerations that differ from standard residential and commercial property.
Nebraska hail claims often involve disputes about partial vs. full roof replacement, matching provisions, and soft-metal damage. Documentation matters significantly when carriers attempt to dismiss damage as wear and tear.
Tornado claims engage every coverage line. Nebraska carriers regularly underpay contents and ALE on otherwise well-handled tornado claims. Pre-loss inventory matters significantly.
Sustained wind events damage roofing, siding, gutters, and exterior systems across very wide areas. Carriers regularly attribute storm damage to wear and tear; documentation matters.
Hail and wind damage to commercial flat-roof systems (TPO, EPDM, modified bitumen). Carrier estimates regularly miss matching, code upgrades, and cumulative damage.
Grain bins, agricultural buildings, equipment storage. Specialized building types not well-handled by general commercial scoping. Documentation requires specific expertise.
Storm damage to multi-building complexes requires unit-by-unit, building-by-building documentation. Nebraska carriers consistently undersize multifamily scopes.
Nebraska regulates public adjusters under Nebraska Revised Statutes §§44-9201 et seq., enforced by the Nebraska Department of Insurance. Key requirements:
Nebraska's PA framework follows the NAIC model law approach — straightforward licensure, contract requirements, and a catastrophic-disaster fee cap. The state does not have unusual restrictions or unique requirements compared to neighboring states.
Nebraska's largest homeowners insurance writers include:
Multiple carriers have tightened underwriting on older roofs and increased percentage-based wind/hail deductibles in response to Nebraska's heavy hail and tornado activity.
Most Nebraska property insurance policies require prompt notice of loss. The suit-limitation period for filing a lawsuit on a denied claim varies by policy — typically 1-2 years from the date of loss. Don't assume your claim is past the deadline without checking the specific policy.
Nebraska does not impose a statutory fee cap on public adjuster compensation outside of catastrophic-disaster declarations (where a 10% cap applies). Resolution Claims Consulting works on contingency only — a percentage of the recovery, agreed in writing before work begins.
Generally yes — tornado damage is "windstorm" damage, which is covered under nearly all standard Nebraska homeowners policies. Coverage applies to building, contents, additional living expenses, and (if endorsed) other structures. Wind/hail percentage deductibles often apply.
Many Nebraska carriers have moved to percentage-based wind/hail deductibles (1-5% of dwelling coverage). On a $300,000 home with a 2% deductible, that's $6,000 of out-of-pocket exposure per storm event. Check your declarations page.
Often, yes. Supplemental claims for newly discovered damage or undocumented scope items are typically available within the policy's deadlines. Many Nebraska homeowners have settled hail claims for amounts that didn't reflect full damage.
This is one of the most common dispute points on Nebraska hail claims. Genuine hail damage produces specific patterns — random impact, soft-metal damage to gutters/vents, granule loss in distinctive patterns, and bruising of the underlying mat. Wear and tear produces predictable patterns related to age, exposure, and maintenance. Distinguishing the two requires specific inspection methodology — and when documented properly, hail damage typically gets covered.
Only if they hold an active Nebraska public adjuster license. Most roofers and contractors don't hold this license. Verify any adjuster's license through the Nebraska Department of Insurance before signing anything.
The statutes, dollar figures, weather event data, regulatory rules, and market information cited on this page are drawn from the following sources. Information is current as of the date this page was last updated; insurance regulations and market data change — verify current rules with each state's Department of Insurance before relying on them for any specific claim or decision.
Tell us briefly what happened. We will review your policy and the insurer’s offer, then tell you straight whether there is more to recover — and how much.
This website advertises public insurance adjusting services. In Colorado, Illinois, Minnesota, and Rhode Island, services are provided by Resolution Claims Consulting, LLC, a licensed public adjusting firm. In Kansas, Kentucky, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin, services are provided by William J. Addis as an individually licensed public insurance adjuster. Kentucky law currently bars public adjusters from negotiating with insurers (KRS 304.9-4331(7)), so we are not accepting Kentucky claims at this time. Both Resolution Claims Consulting and William J. Addis work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Public adjuster services are not free; fees are paid by the insured, typically as a percentage of the recovery agreed in writing before work begins, and are subject to applicable state fee caps and statutes.
All recovery amounts, case studies, and settlement figures shown on this site reflect actual outcomes achieved by Resolution Claims Consulting, LLC for past clients. Client and carrier identities have been anonymized. Past results do not guarantee, predict, or imply any specific outcome on a future claim. Each insurance claim is unique. Outcomes depend on the policy language, the facts of the loss, applicable state law, the carrier's position, and many other factors that vary case to case.
Resolution Claims Consulting, LLC — Firm NPN 20764010. Licensed as a public adjusting firm in 4 states: Colorado #803346, Illinois #3002593563, Minnesota #40893260, Rhode Island #3003758028. Resolution Claims Consulting, LLC does not hold firm licenses in other states. William J. Addis — Individual NPN 18667143. Licensed as an individual public adjuster in 18 states: CO #559485, IL #18667143, KS #18667143, KY #1076611, MN #40771302, MO #8428075, NE #18667143, NV #3876040, OH #1743364, OK #3001586244, PA #1262857, RI #3003745104, SC #18667143, TN #3003380591, TX #2784759, UT #1084108, WA #1320332, WI #18667143. All licenses verifiable through each state's department of insurance public license lookup.
Every state's Department of Insurance offers free consumer assistance with insurance claims and disputes — you are not required to hire a public adjuster to file or pursue a claim. Contact your state Department of Insurance directly if you have questions about a claim or about working with a public adjuster.
