Claim problems
Underpaid Insurance Claims
If the insurance company’s estimate doesn’t cover what it takes to properly repair your property, you may have options.
Signs your claim may be underpaid
An estimate is a starting point, not a final answer. Carriers and property owners often see the same damage very differently, and the gap between the two can be significant.
We compare the carrier’s estimate to the actual conditions at your property and to what your policy provides, then put the differences in writing so they can be discussed line by line.
Common reasons estimates fall short
Damaged areas or items left out of the scope
Pricing below local labor and material costs
Partial repair approved where more is needed
Interior or hidden damage not inspected
Depreciation or deductibles applied incorrectly
What we review
Your policy
Coverages, limits, deductibles, endorsements and exclusions, so we know what should be on the table.
The carrier’s estimate
Scope, quantities, pricing and any items reduced or left out.
Your property
Our own inspection, photos and measurements, plus contractor bids and other supporting documents.
Our process
We Handle the Claim. You Handle Everything Else.
01
Inspect & Document
We evaluate the property and document the full extent of the damage.
02
Review
We review your policy, the carrier’s estimate and existing documentation.
03
Prepare
We develop the scope, estimate and supporting documentation for the loss.
04
Represent
We communicate with the insurance carrier and participate in the adjustment process on your behalf.
05
Resolve
We work through differences in scope, pricing and documentation toward resolution of the claim.
Frequently asked questions
Will you get me more money?
We can’t guarantee a higher settlement. Our job is to thoroughly evaluate and document the loss, prepare an accurate scope, and present the claim to your insurance carrier. The outcome depends on the facts of the loss, available coverage, and the terms of your policy.
I already received a payment. Is it too late?
Not necessarily. Receiving an insurance payment does not always mean the claim is finished. We can review the carrier’s estimate, payment, and supporting documentation to determine whether there are additional items or damages that should be addressed. Policy terms and deadlines may apply, so it’s best to have the claim reviewed promptly.
What documents should I gather?
If available, gather your insurance policy or declarations page, the carrier’s estimate, payment information, claim correspondence, photos, and any contractor estimates or reports you’ve received. Don’t worry if you don’t have everything—we can help identify what documentation may be needed.
What does a public adjuster cost?
Our fee is typically a percentage of the insurance claim proceeds and generally ranges from 10% to 30%, depending on the type and complexity of the claim and services required. Your exact fee is discussed upfront and clearly stated in your written agreement before representation begins.
Are you an attorney?
No. We are licensed public adjusters, not attorneys, and we do not provide legal advice. If your claim involves legal issues outside the scope of public adjusting, we can work alongside your attorney when appropriate.
Request a claim review.
Tell us what happened. We’ll look at your situation and explain your options. There is no cost to talk.
Fees are contingent on recovery on your claim.
Licensed public adjusters in NC, OH, VA & WV.
Prefer to talk now? Call (984) 900-1139.