The check does not cover the bid
Coverage was accepted. The number will not rebuild the roof, the tenant spaces, or the extra expense. That is a valuation dispute.
Underpaid claimsUnderpaid Claim LLC · McAllen, Texas
Commercial Public Insurance Adjuster — Rio Grande Valley
Licensed by the Texas Department of Insurance. We document commercial losses, write the Xactimate estimate, and negotiate the settlement — for the property owner, not the carrier.
McAllen · Edinburg · Pharr · Mission · Weslaco · Harlingen · Brownsville · Laredo · and the rest of the Valley.
Licensed by the Texas Department of InsuranceFirm #1986412 · Cord Largo #1862708Commercial property only25+ years · 4,000+ claims handledIn-house Xactimate · drone · moisture mappingFree claim review · no contract to start10% of additional recovery Verify at TDI / Sircon
Three ways a commercial file stalls
The claim was closed and damage is still there
A closing letter is not the same thing as a finished building. Supplements exist when the first scope missed covered work.
Reopen a closed claimThe denial letter does not match the policy or the building
A denial is a coverage position. Sometimes the facts, the form, or the date of loss were read too narrowly.
Denied or delayed claimsWhat we do
Inspect & document
On-site inspection, drone ortho, moisture mapping, and measurements the desk can read.
Engineer the file when needed
Specialized engineers assigned when causation or scope is contested.
Write Xactimate
In-house commercial estimating, line items tied to photos and the policy.
Negotiate / appraisal
We deal with the carrier. If the amount of loss cannot be agreed, appraisal is an option.
Who we help
Commercial property owners and managers. Not residential homeowners. Not individual apartment tenants.
How a review starts
- 1
Call or send the form. No contract.
- 2
We review the policy, the carrier estimate, and the building.
- 3
You receive a plain-language assessment of whether additional recovery appears supportable.
- 4
If you hire us, we build the file and deal with the carrier.
- 5
Settlement, supplement, or appraisal as the facts require.
- 6
You decide next steps. Fee applies only if we recover additional money for you, capped under Texas law at 10% of the settlement.
Request a Free Claim Review
No contract required for a review. We only work if you hire us. Hiring a public adjuster is optional.
Why a commercial file is different
Large roof areas, tenant spaces, code upgrades, business interruption, contents, and carrier consultants. This is not a one-visit roof claim. The file has to be built the way a commercial desk expects to read it.
Rio Grande Valley and Laredo
We inspect commercial properties throughout Hidalgo, Cameron, and Starr Counties, and in Laredo / Webb County.