Underpaid Claims
If your payment does not cover the repair, the estimate may be missing something. We compare it line by line to the real scope of work.
What We Look For
Underpayment usually hides in the details. We check each one.
Missing items
Items left out of the insurer estimate.
Pricing
Prices and labor rates that do not match local repair costs.
Scope differences
Repair versus replace, and the extent of the work.
Depreciation
Depreciation applied to your payment, and whether it can be recovered.
Missed damage
Damage the insurer inspection did not find.
Code and matching
Code upgrades and matching of materials.
Deadlines
Deadlines and documents that affect your claim.
Supplements
A supplement request with documented additions.
What To Do Right Now
You are dealing with a lot. These steps protect your safety and your claim.
Read before you accept. Check the letter that came with the payment before treating it as final.
Get the estimate. Ask for the insurer's full estimate and inspection report.
Get your own estimate. A contractor scope shows what the repair may actually require.
Keep your records. Save photos, receipts, and correspondence.
Note the deadlines. Check your policy and letters for response dates.
Call us before you accept an offer. A free claim review takes about two minutes to start, and there is no cost to review your claim.
Underpaid Claim Questions
How Do I Know If I Was Underpaid?
Compare the insurer estimate to a contractor scope and the damage you can see. Our free claim review does that comparison.
Can I Dispute The Offer?
Yes. You can ask the insurer to reconsider and submit supporting documents. Your policy sets the process.
What Is A Supplement?
A request to add items or costs missing from the original estimate.
Can I Hire You If My Claim Is Already Open?
Often, yes. Bring your policy, your claim file, and any carrier letters, and we will review where things stand.
How Long Does A Underpaid Claim Take?
It depends on the size of the loss and how the insurer responds. We explain the likely timeline in your free claim review.
Other Claims We Handle
Denied Claims
A second look at denial letters, the policy language cited, and the reasons given.
Learn More about Denied Claims
Residential
Full-loss claims for houses, condos, and rental dwellings, from first photo to final payment.
Learn More about Residential
Roof Damage
Roof repair and replacement disputes, from leaks to full replacement.
Learn More about Roof Damage