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Monday 8:30am - 4:30pm Tuesday 8:30am - 4:30pm Wednesday 8:30am - 4:30pm Thursday 8:30am - 4:30pm Friday 8:30am - 4:30pm

Keathley Claims Consultants

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United States
Wellington, OH
Keathley Claims Consultants

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Public adjusters, advocating for homeowners/business owners in regards to their insurance claims.

At Keathley Claims Consultants, we strive to provide the highest quality advocacy and advice for policyholders throughout Ohio. Our team of public adjusters have over 10 years in experience representing the insurance companies—knowledge we now use to protect individuals from their insurers and get them the full payout they’re entitled to. Our mission is to empower people by providing high-caliber support so that no one needslessly suffers financially due to an unfortunate circumstance such as a devastating home loss or natural disaster. We are committed advocates seeking success along with our clients, upholding our vision of becoming Ohio's leading firm for making sure policyholder rights are respected every time.

10/20/2026

Meet KCC's new claims assistant.

The same (419) 504-1601 number you already know is now answered 24/7 by our new claims assistant. You can also use the chat on any page of www.keathleyclaims.com.

What it can help with, by phone or chat:
• Claim status for KCC clients, after a quick identity check
• Referral partners can check on a file they referred (or see their full list in the chat)
• Answers to common questions about public adjusting and the claim process
• Leaving a message for our team to address your specific needs as efficiently as possibly.

Start a chat: https://www.keathleyclaims.com/
Call: (419) 504-1601

We’re licensed Ohio public adjusters (License #1367111). We’re not attorneys or a law firm.

10/19/2026

How much does a public adjuster cost in Ohio?

Public adjuster fees belong in a written contract before work begins. Read the agreement carefully and ask questions before you sign — do not rely on verbal promises.

Ohio does not have a statutory public adjuster fee cap that sets your rate for you. Contingency structures are common industry-wide, but the contract you sign controls. Keathley Claims does not publish a fee percentage as a firm rate online.

Full plain-English breakdown: https://www.keathleyclaims.com/public-adjuster-cost-ohio/
Questions? Call (419) 504-1601.

We’re licensed Ohio public adjusters (License #1367111). We’re not attorneys or a law firm.

10/15/2026

Quick fall roof check — from the ground.

Leaves are coming down across Northern Ohio. Before winter, walk your house and look up:
• Gutters packed with leaves or pulling away
• Shingle tabs that look lifted, creased or missing
• Granules collecting at downspouts

Take dated photos of anything you see. If storm damage shows up, document it and review your policy before you file. Stay safe: do not climb onto your roof.

Wind and hail claim help: https://www.keathleyclaims.com/claims/wind-hail/
Questions? Call (419) 504-1601.

We’re licensed Ohio public adjusters (License #1367111). We’re not attorneys or a law firm.

09/30/2026

Winning Wednesday!

Avon, Ohio started as a $627.35 “small roof repair.”

The shingle wasn’t made anymore, a true match didn’t exist, and we documented why a patch wouldn’t restore the roof. Result: a replacement estimate of $22,249.90.

That’s the job — prove the loss with clear documentation, not hope the carrier fills in the blanks.

Free claim review: https://www.keathleyclaims.com/ or (419) 504-1601

We’re licensed Ohio public adjusters (License #1367111). We work for the policyholder, not the insurance company — and we’re not attorneys or a law firm.

09/25/2026

When a carrier calls hail damage “cosmetic,” that label doesn’t decide your claim by itself.

A recent coverage piece from Chip Merlin walks through an Oklahoma hail case where the insurer used a cosmetic damage exclusion on valley metal. The policy didn’t just say “dents aren’t covered.” It defined cosmetic as damage that only changes appearance and does *not* keep water out or stop the roof covering from doing its job over time.

The hard part for the homeowner wasn’t the wording. It was proof. The court said there wasn’t evidence showing the damaged metal could no longer perform as intended. Photos of dings and an estimate to replace weren’t enough once the exclusion was raised.

If your Ohio policy has a cosmetic hail exclusion, read that definition word for word. Then document function, not just looks:

• Does the metal still drain the way it was designed to?
• Did the shape, seams, coating, or fasteners change?
• Could that shorten the life of the roof covering?

A public adjuster can help pull the policy language, match it to what the storm actually did, and build the claim around those facts—not the carrier’s label.

Questions about a hail claim? Call Keathley Claims Consultants at (419) 504-1601.

(Inspired by Chip Merlin / Merlin Law Group — “Cosmetic Damage Exclusions Are Becoming Anything but Cosmetic.” Not legal advice.)

09/23/2026

🏆 Winning Wednesday 🏆

📍 Cleveland, Ohio

A serious wind storm came through and damaged shingles and siding. ❌ Older, aged materials get worn, faded, and brittle — and that brings matching, compatibility, and repairability issues.

On this one, those same issues came into play. ✅ Final estimate: 💰 $47,211.37 for a full roof and siding.

📝 Matching. Compatibility. Repairability.
Document the loss the right way — get the result. 💪

Need a free claim review? Call Keathley Claims Consultants at (419) 504-1601.
https://www.keathleyclaims.com/
We’re licensed Ohio public adjusters (License #1367111). We work for the policyholder, not the insurance company — and we’re not attorneys or a law firm.

09/16/2026

Winning Wednesday!

This week’s win: a Cleveland, Ohio claim with wind-damaged aluminum siding. The carrier only wanted to pay for one elevation.

Under that aluminum was older wood siding. On an older home, painted wood can mean lead—so we had it tested. Results came back positive.

That changed everything. The job became a full wood and aluminum siding removal, then new wood substrate installed so the replacement aluminum siding can be attached correctly—and done carefully and methodically because of the lead.

Without someone experienced on your side, the carrier may have paid for one wall and closed the file.

Free claim review: (419) 504-1601
Keathley Claims Consultants · Licensed Ohio public adjuster #1367111
We are not attorneys and do not give legal advice.

09/09/2026

🏆 Winning Wednesday 🏆
(Labor Day week got us a day late — worth it. 😅)

📍 Columbus, Ohio (O-H! 🔴⚪)

This claim started as a ❌ straight denial. With solid documentation of the wind damage, it ended as a ✅ roof replacement approved for 💰 $23,296.74.

📝 Documentation. Documentation. Documentation.
Prove the loss — get the result. 💪

Need a claim review? Call Keathley Claims Consultants at (419) 504-1601.
We’re licensed Ohio public adjusters (License #1367111). We work for the policyholder, not the insurance company — and we’re not attorneys or a law firm.

09/04/2026

Xactimate isn’t the payment. It’s the ceiling.

Chip Merlin posted an alleged Auto Club Group SOP this week. TrueLine takes the Xactimate material price and subtracts a fixed cut. He says it is structurally impossible for that number to come in over Xactimate. Field adjusters don’t get to skip it. If your contractor’s supplier costs more, you or the contractor eat the difference.

The new piece is the documents. We wrote it up.

https://www.keathleyclaims.com/news/20260904-xactimate-wasnt-low-enough/
(419) 504-1601

09/02/2026

🏆 Winning Wednesday!

This week we have a claim in Medina, Ohio that started out at $12,249.01 for some roof and siding repairs on the house and a roof repair on the detached garage.

Same process. Same damages. Different claim, different carrier.

Same results: $56,525.29. That’s a 461% increase. 📈

Call us today for a free claim review. 📞 (419) 504-1601

Address

155 North Main Street
Wellington, OH
44090

Opening Hours

Monday	8:30am - 4:30pm
Tuesday	8:30am - 4:30pm
Wednesday	8:30am - 4:30pm
Thursday	8:30am - 4:30pm
Friday	8:30am - 4:30pm

Website

http://www.keathleyclaims.com/

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