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Denied and Under Paid Claims

Insurance Denied and Under Paid Claims? Don't Give Up Hope.

Hearing that your property damage claim has been denied by your insurance company can be incredibly frustrating and disheartening, especially when you’re counting on that money to fix your Florida home or business. But a denial isn’t always the end of the story. Insurance companies can make mistakes, misinterpret their own policies, or base their decision on an incomplete investigation.
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Common Reasons Insurance Claims Get Denied

Insurence companies deny claims for many reasons, often citing policy exclusions, insufficient documentation, or missed filing deadlines. A common tactic is to wrongly attribute the damage to "wear and tear" instead of a covered event. Sometimes, a denial is simply the result of an error made by the insurance company during its evaluation.
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Challenges in Denied and Under Paid Claims

Insurance companies often underpay water damage claims by labeling leaks as 'gradual wear,' disputing the water's source, or offering inadequate repairs that ignore hidden moisture and mold. They use complex policy language to limit your payout. Property Damage Claims Experts knows these tactics and fights to secure the full, fair settlement you are owed.
Our process

Your Smooth Path to a Successful Claim

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1. Free Consultation & Policy Review

We start with a no-obligation discussion to understand your situation and review your insurance policy to identify all available coverage.
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2. Detailed Damage Assessment & Documentation

Our experts meticulously inspect and document every aspect of your damage, using photos, videos, and expert estimates to build a comprehensive claim file.
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3. Strategic Claim Submission & Negotiation

We prepare and submit your claim, then aggressively negotiate with your insurance company, leveraging our expertise to counter low offers and secure the maximum possible payout.
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2. Detailed Damage Assessment & Documentation

Our experts meticulously inspect and document every aspect of your damage, using photos, videos, and expert estimates to build a comprehensive claim file.
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4. Fair Settlement & Your Recovery

We keep you informed every step of the way until a fair settlement is achieved. Our mission is your rightful payout—"YOUR" DAMAGE. OUR MISSION. THEIR PAYOUT.

FAQs

When Should You Hire a Public Adjuster?

A public adjuster from Property Damage is someone you should think about working with when

  1. You’ve suffered significant property damage (fire, flood, storm, etc.) and need help with your insurance claim.
  2. Your insurance company’s settlement offer seems too low or doesn’t cover all damages.
  3. The claims process feels overwhelming or complex, and you need expert guidance.
  4. You want to ensure maximum compensation for your losses without handling negotiations yourself.
  5. A public adjuster works for you, not the insurance company, ensuring your claim is handled fairly.
How Do Independent and Public Adjusters Differ From One Another?
  1. Public Adjuster: Works exclusively for policyholders (you) to maximize your claim payout. They assess damage, document losses, and negotiate with insurers.
  2. Independent Adjuster: Hired by the insurance company to evaluate claims on their behalf—not your advocate.
Why Hire a Public Adjuster?

Employing a Property Damage public adjuster guarantees:

  1. Higher Settlements: Studies show policyholders with public adjusters receive larger payouts.
  2. Expert Documentation: Proper proof of damage strengthens your claim.
  3. Stress-Free Process: We handle paperwork, negotiations, and disputes.
  4. Faster Resolutions: Avoid delays with professional claim management.

Don’t let insurers undervalue your loss—hire a trusted public adjuster today.

My claim has already been denied. Can you still help?

Absolutely. A denial from the insurance company is often not the final word. We specialize in re-opening and fighting wrongfully denied claims by building a powerful case based on facts, policy language, and expert reports.

I already received a settlement offer. Is it too late to call you?

No, it is not too late. Most initial offers are far too low. If you feel the offer is insufficient to make you whole, we can take over, re-evaluate the damage, and re-negotiate with the insurance company for a higher, more appropriate settlement.

Can I handle the claim myself?

While you can handle a claim yourself, it's like representing yourself in court without a lawyer. Insurance policies are complex legal documents, and documenting a claim properly requires deep expertise. Studies consistently show that policyholders who hire a Public Adjuster receive significantly higher settlements than those who don't.

Get an expert on your side, anywhere in Florida. Schedule your consultation today.

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