North Carolina
NC public adjuster accused of forging checks and taking off with homeowner’s insurance money
CARY, N.C. (WTVD) — A Triangle roofing company says it’s out more than $100,000 and the homeowners who hired them could be on the hook for it, despite their insurance company already paying for the work.
The case involves a middleman, commonly referred to as a public adjuster. A public adjuster is an independent insurance professional whom a person can hire to assist in settling an insurance claim.
The problem in these cases is that the homeowners claim the public adjuster took their money.
Cary homeowners Dave Perez and his wife Jane contacted their insurance company after they noticed a roof leak at their home.
“We kept dealing with the insurance company…they said, well, $3,000 to fix this, to patch this little area,” Dave told Troubleshooter Diane Wilson.
The couple said they had much more damage than that, and said their roofing contractor, BGC Expert Contractors, recommended a public adjuster to help with their claim.
“Whenever a claim gets denied, if we feel like there was storm damage, we would get a public adjuster involved because, as the contractor, we’re not allowed to discuss policy,” Lauren Garlock of BGC said. “So we would need to bring someone else in who can discuss policy, look over their policy, and assist with the insurance claim.”
Garlock said they recommended public adjuster Tyler Englin of TDE Claims LLC.
Once TDE got involved, the Perez’s insurance claim increased to more than $100,000.
“Most of it was in the roof and then the rest of it was interior, you know, repairs, and you know, the kitchen needed to be redone,” Dave said.
BGC did all of the work, and the Perez’s said they thought everything was fine until they heard from BGC, who said they hadn’t been paid for the work.
The Perez’s called their insurance company, which provided records showing they issued two checks for the claims. One check for more than $51,000, the other for more than $47,000.
“You can see where our signatures were forged. Jane doesn’t even write out her name; it’s more like a scribble. Those checks that were cut to him, sent to him, and then he endorsed them and never paid the contractor,” said looking at the checks.
The Perez’s asked their insurance company why they sent Englin of TDE the checks and not them. The company told the family that they were provided a contract that had the Perez’s e-signatures hiring the adjuster.
Dave said his insurance told him, “Once we get this from an adjuster, then at that point we no longer deal with you. We deal with him.”
The Perez’s claim they never signed that, nor did they sign the back of the checks from their insurance company.
“I think it’s pretty evident you have canceled checks that were for, you know, that were forged,’ Dave said. “Then you have a contract that we didn’t sign. And you have a contractor that is out, you know, $100,000.”
Garlock with BGC said that Englin with TDE has promised payment for the completed work, but it hasn’t happened.
“Just excuses,’ he said. “They’ll say, ‘Oh, I put a check in the mail,’ and then we never get it. He’ll say, ‘Oh, well, I’m out of town.’ And then, you know, at some point, we’re like, we will meet you. We live here. And one time, one of our reps went to his house, sat in his driveway for two hours, finally got a check, and the check bounced.”
In total, Garlock said they’re owed about $120,000 for three of the jobs they did for homeowners where Englin with TDE was the public adjuster.
“It greatly impacts our business. We are small, we’re local, a mom and pop, you know, a general contractor. So you know, not being able to get paid on these jobs for a year is tough,” Garlock added.
Garlock and Perez have filed complaints with the North Carolina Department of Insurance. A representative stated:
“The Department of Insurance has received multiple consumer complaints regarding Tyler Englin, who is a licensed public adjuster, and also against TDE Claims. The Department is currently reviewing these complaints.”
Troubleshooter Diane Wilson has tried to get answers from Englin in a number of ways, but was not successful.
The website for TDE no longer works, and when ABC11 attempted to call, it said temporarily unavailable. There was also no response to multiple emails and texts.
As for the Perez’s, Dave said he is worried that if Englin doesn’t pay BGC for the work they did at his home, he could be responsible for paying the contractor.
“There’s nothing in place that protects the homeowner from an adjuster doing this,” he said.
Besides the Perez’s, Troubleshooter Diane Wilson also heard from a Holly Springs homeowner who hired Englin with TDE Claims. There’s proof the public adjustor received the insurance money, and while TDE did give the homeowner a check for the amount they’re owed to pay the contractor, the check bounced.
When it comes to a public adjuster, before you hire one, you should make sure they’re licensed in North Carolina. Also, don’t pay anything up front, as public adjusters get a percentage of the insurance money.
Always make sure the check is made out to both you and the public adjuster, and of course, before you sign anything, read the small print.
ALSO SEE ABC Price Tracker: Check regional prices of groceries, utilities, housing and gas
All of the people involved said they followed those tips, but this still happened.
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The NC Lottery offers several draw games for those aiming to win big.
Here’s a look at Sunday, April 19, 2026 results for each game:
Winning Pick 3 numbers from April 19 drawing
Day: 6-2-0, Fireball: 6
Evening: 4-1-7, Fireball: 5
Check Pick 3 payouts and previous drawings here.
Winning Pick 4 numbers from April 19 drawing
Day: 7-6-9-4, Fireball: 4
Evening: 8-1-5-6, Fireball: 6
Check Pick 4 payouts and previous drawings here.
Winning Cash 5 numbers from April 19 drawing
02-21-32-35-37
Check Cash 5 payouts and previous drawings here.
Winning Double Play numbers from April 19 drawing
18-26-27-31-42
Winning Millionaire for Life numbers from April 19 drawing
32-42-52-53-55, Bonus: 05
Check Millionaire for Life payouts and previous drawings here.
Feeling lucky? Explore the latest lottery news & results
Are you a winner? Here’s how to claim your lottery prize
All North Carolina Lottery retailers will redeem prizes up to $599.
For prizes over $599, winners can submit winning tickets through the mail or in person at North Carolina Lottery Offices. By mail, send a prize claim form, your signed lottery ticket, copies of a government-issued photo ID and social security card to: North Carolina Education Lottery, P.O. Box 41606, Raleigh, NC 27629. Prize claims less than $600 do not require copies of photo ID or a social security card.
To submit in person, sign the back of your ticket, fill out a prize claim form and deliver the form, along with your signed lottery ticket and government-issued photo ID and social security card to any of these locations:
- Asheville Regional Office & Claim Center: 16-G Regent Park Blvd., Asheville, NC 28806, 877-625-6886 press #1. Hours: 9 a.m. to 5 p.m. Monday through Friday. This office can cash prizes up to $99,999.
- Greensboro Regional Office & Claim Center: 20A Oak Branch Drive, Greensboro, NC 27407, 877-625-6886 press #2. Hours: 9 a.m. to 5 p.m. Monday through Friday. This office can cash prizes up to $99,999.
- Charlotte Regional Office & Claim Center: 5029-A West W. T. Harris Blvd., Charlotte, NC 28269-1861, 877-625-6886 press #3. Hours: 9 a.m. to 5 p.m. Monday through Friday. This office can cash prizes up to $99,999.
- NC Lottery Headquarters: Raleigh Claim Center & Regional Office, 2728 Capital Blvd., Suite 144, Raleigh, NC 27604, 877-625-6886 press #4. Hours: 9 a.m. to 5 p.m. Monday through Friday. This office can cash prizes of any amount.
- Greenville Regional Office & Claim Center: 2790 Dickinson Avenue, Suite A, Greenville, NC 27834, 877-625-6886 press #5. Hours: 9 a.m. to 5 p.m. Monday through Friday. This office can cash prizes up to $99,999.
- Wilmington Regional Office & Claim Center: 123 North Cardinal Drive Extension, Suite 140, Wilmington, NC 28405, 877-625-6886 press #6. Hours: 9 a.m. to 5 p.m. Monday through Friday. This office can cash prizes up to $99,999.
Check previous winning numbers and payouts at https://nclottery.com/.
When are the North Carolina Lottery drawings held?
- Powerball: 10:59 p.m. Monday, Wednesday, and Saturday.
- Mega Millions: 11 p.m. Tuesday and Friday.
- Lucky for Life: 10:38 p.m. daily.
- Pick 3, 4: 3:00 p.m. and 11:22 p.m. daily.
- Cash 5: 11:22 p.m. daily.
- Millionaire for Life: 11:15 p.m. daily.
This results page was generated automatically using information from TinBu and a template written and reviewed by a Carolina Connect editor. You can send feedback using this form.
The North Carolina Tar Heels will be a young program across the board next season, with well over two dozen freshmen and numerous additions from the transfer portal this offseason. Expectations for the 2026 season are lowered dramatically after a disastrous first season for head coach Bill Belichick, though those expectations could help the Tar Heels fly under the radar.
As the Tar Heels approach the end of spring ball, it is time to look at the veterans of the team—the ones who have the experience to lead, especially on the defensive side of the ball. Let’s look at three underrated seniors for the 2026 football season.
Ade Willie, Cornerback
Willie joins the Tar Heels program after four years with Michigan State, as the former 4-star player in the 2022 recruiting class gets an opportunity to not only provide depth to the secondary, but potentially start Week 0 against TCU.
Willie played in over 30 games with the Spartans and brings experience in the secondary at cornerback and safety, along with quality length and closing speed to the football. For a defense that needs players to step up, the redshirt senior from IMG Academy will be asked to do so.
Isaiah Johnson, Defensive Lineman
The defensive line is beginning to look like one of the Tar Heels’ strengths for the 2026 season. Johnson, a former transfer from Arizona, enters his redshirt senior year looking to add another year of production after 40 tackles and two sacks this past season.
North Carolina has an impressive group of starters with Malkart Abou-Jaoude, Leroy Jackson, and incoming transfer Jaylen Harvey. Johnson adds value to the group as a run defender with the ability to penetrate the pocket. While not discussed as a key player, Johnson’s name will be used plenty during the regular season as a potential standout for the program’s defensive front.
Coleman Bryson, Safety
Bryson was a reserve player for the Tar Heels’ secondary last season as a big nickel defender in the rotation. Heading into his redshirt senior year, the former Minnesota Gopher is looking to become a full-time starter in the secondary.
It wasn’t long ago when Bryson was making plays as the 2022 Pinstripe Bowl Defensive MVP. His special teams abilities were valuable for North Carolina last season, and he flashed at times in coverage against tight ends, including a pass breakup in the season-opener against TCU. The Waynesville, North Carolina, native could be a key defender on the back-seven in 2026.
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Friends and family members gathered in Washington state on Saturday, remembering former Miss North Carolina Carrie Everett, who died on Easter Sunday. Another memorial service is planned in North Carolina next month.
Web Editor : Sydney Ross
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