Help With Insurance Claim

Low Initial Estimates

The adjuster inspects your damage and provides an estimate that's thousands or tens of thousands below what contractors quote. This isn't an accident. Insurance companies use proprietary software that applies below-market pricing, aggressive depreciation, and systematic exclusions.

Claim Denials

Your claim gets denied entirely, or specific damage items get excluded from coverage. The denial letter cites policy provisions you don't fully understand. You don't know if the denial is legitimate or if it's worth appealing.

Documentation Requests

The adjuster keeps asking for more documentation—additional photos, contractor estimates, receipts, proof of ownership. Each request comes with vague instructions. You submit what you think they want, and they come back asking for something else.

Communication Breakdowns

Your adjuster doesn't return calls or emails. When you do reach them, they provide vague answers or conflicting information. You're not sure if your claim is progressing or stalled.

• Policy Analysis — Clear explanation of what your policy covers, what exclusions apply, and what you're entitled to receive
• Estimate Review — Line-by-line analysis identifying undervalued items, missing scope, and improper depreciation
• Documentation Strategy — Specific guidance on what evidence to collect and how to present it
• Negotiation Support — Templates, scripts, and strategies for communicating with adjusters
• Deadline Management — Tracking of all filing deadlines, appeal windows, and response requirements
• Appeal Preparation — Professional appeals with proper legal citations when needed