Your Claim Was Denied or Underpaid — What Now?
A denial isn't the end of the road. Here are the four options you have and how to decide between them.
Insurance carriers deny or underpay claims for many reasons — some legitimate, many not. If your claim was denied, request the denial in writing along with the specific policy language they are relying on.
Your options: (1) request a re-inspection, (2) invoke appraisal if your policy allows, (3) hire a public adjuster to reopen and negotiate, or (4) escalate to a first-party bad-faith attorney. Most policies give you years to reopen — don't accept the first 'no'.
We frequently reopen denied and underpaid claims, prepare a supplemental estimate, and bring the carrier back to the table. Send us your denial letter and we'll tell you honestly whether we can help.