Denied and underpaid claims
A denial is a position, not a verdict
Insurers deny, close and low-ball claims for reasons that sometimes hold up and sometimes don't. We find out which.
Send the letter, the policy and whatever the adjuster left behind. We read the policy front to back, set it beside the letter line by line, and tell you what we see before you decide anything.
If the denial or the number is wrong, we put the reasons in writing and ask the insurer to fix it. If it isn't wrong, we tell you that too.
We take claims where
The insurer denied the claim in full
The payment is far below your contractor's estimate
The file was closed with no reason you can follow
Part of the damage was left out
The insurer says the damage was there before the storm
Words we see in denial letters
Each one has an answer worth checking.
"Wear and tear"
Insurers use it for damage a storm caused. We check dates, photos and the policy's own wording.
"Not covered under your policy"
We read the exclusions together with the exceptions that sit under them.
"Late notice"
We check what you reported, when you reported it, and what the policy actually requires.
A number that doesn't match the repair
We set the insurer's estimate against a contractor's, line by line.
Two sample matters
Denial withdrawn
Water damage called wear and tear
The policy covered sudden leaks. A plumber's report and the policy's own words did the work.
2024
$68,900 paid
Roof and ceilings after a hurricane
The first offer was $14,200. An engineer's report and an appraisal moved it.
2025
These are sample matters, not promises. Every claim turns on its own policy and facts, and past results don't predict the outcome of yours. Dollar figures are what the insurer paid, before fees and costs.
Have a denial letter in hand?
Send it with the policy. We'll tell you what we see.