Common Reasons Insurance Companies Deny Claims
Insurance companies use various tactics to deny legitimate claims. We know how to overcome these obstacles and get you paid.
"Pre-existing Damage"
Claiming damage existed before the covered event, even when it clearly resulted from a recent storm or incident.
"Maintenance Issues"
Blaming damage on lack of maintenance when it was actually caused by a covered peril like wind or hail.
"Policy Exclusions"
Misapplying policy exclusions or claiming damage isn't covered when it actually falls under covered perils.
"Insufficient Documentation"
Claiming you haven't provided enough proof of damage, even when evidence clearly supports your claim.
"Late Reporting"
Claiming you didn't report the damage quickly enough, even when you followed proper procedures.
"Act of God"
Incorrectly classifying covered weather events as "acts of God" to avoid paying legitimate claims.
How We Overturn Denied Claims
We have the expertise and resources to challenge insurance company denials and get you the settlement you deserve.
Policy Analysis
We thoroughly review your policy to identify coverage that the insurance company may have overlooked or misinterpreted.
Expert Documentation
We provide comprehensive documentation, expert reports, and professional assessments to support your claim.
Legal Pressure
We work with attorneys when necessary to apply legal pressure and ensure insurance companies honor their obligations.
Aggressive Negotiation
We negotiate aggressively with insurance companies, using our expertise to challenge their denial reasons.
We Turn Denials Into Victories
Our track record speaks for itself. We've overturned hundreds of denied claims and recovered millions for our clients.
Success Rate
Of denied claims we take on are successfully overturned
Recovered Last Year
In previously denied claims for Florida homeowners
Average Resolution
Time to overturn a denied claim and get you paid
Underpaid Claims Are Just As Bad
Even when insurance companies don't deny your claim outright, they often severely underpay. We fight for every dollar you deserve.
Signs Your Claim Was Underpaid
- • Settlement amount seems too low for the damage
- • Insurance company used cheap repair estimates
- • They didn't account for all damaged items
- • Code upgrade costs weren't included
- • Additional living expenses were minimized
- • Depreciation was incorrectly applied
How We Maximize Your Settlement
- • Comprehensive damage assessment
- • Professional contractor estimates
- • Detailed content inventories
- • Code compliance requirements
- • Full additional living expense claims
- • Proper depreciation calculations
Fight Your Denied or Underpaid Claim
Don't accept your insurance company's denial or lowball offer. Our expert public adjusters specialize in overturning denials and maximizing settlements.