Denied and underpaid claims
Denied, stalled or paid short
What the insurer decided, and what the policy actually says, are two different questions.
A denial letter sounds final. Most aren't. They rest on a reading of the policy, an adjuster's estimate or a deadline, and each of those can be checked. We take claims for homes, rentals, churches and small businesses, after hurricanes, hail, burst pipes and break-ins.
Reasons insurers give, and what we check
Wear and tear
We compare the damage to the storm date, the photos and the weather record, not to the age of the roof alone.
Late notice
We check what the policy requires, when you first called, and whether the delay changed anything for the insurer.
An exclusion applies
Exclusions are read narrowly, and an endorsement can put back what the exclusion took out.
Below the deductible
A low estimate can put a real loss under the deductible. Our contractor's estimate goes beside theirs.
Missing documents
We list what was asked for, what was sent and when, so a request can’t be repeated forever.
Misrepresentation
A mistake on a form is not fraud. We answer the accusation in writing and keep you out of unrecorded calls.
Denials, in plain terms
Should I ask the insurer to reconsider first?
You can, but send it in writing and keep a copy. A letter from you can help or hurt later, so it’s worth having a lawyer read it before it goes.
What if my claim was only partly paid?
An underpaid claim is a claim the insurer agreed is covered. The argument is about the price, and that's often easier to win than a full denial.
Do you take business and rental claims?
Yes: shops, restaurants, rental houses, churches and small offices, including lost income while the doors are closed.
Send us the letter
We review it free and take claims on a contingency fee. Case costs, such as engineer, expert and filing fees, may still be owed; the fee agreement spells out which.