Published by Under Paid Claim LLC. Meet our public adjusters and check their licenses.
Reviewed by Cord Largo · Texas license #1862708 ·
Keep the written explanation
A denial may concern all or part of a claim. Start with the insurer’s written decision and the policy provisions it identifies. Keep the policy, declarations, endorsements and supporting property records together so the actual issue can be understood.
Separate the amount of damage from coverage questions
A disagreement about measurements, repair items or estimated costs is different from a legal dispute about coverage or policy interpretation. Both may arise in a claim. A public adjuster can work on supported property damage documentation and the adjusting process. An attorney provides legal advice and representation.
Organize the supporting evidence
Keep dated photographs, inspection reports, estimates, invoices and relevant correspondence. Identify what each document shows and which property area it concerns. A difference in dollar totals alone does not establish that the denial is wrong.
Keep a timeline and identify deadlines
Record the loss date, report date, inspections, document requests and responses. Different policies and claim types can involve different requirements. If a policy or legal deadline may be approaching, promptly consult the appropriate professional. Sending an inquiry or hiring a public adjuster does not extend a deadline.
Understand the available routes
The next step depends on the reason for the denial and the policy. TDI describes options for disputing claim decisions, including supporting documentation and, where applicable, complaint, appraisal or legal routes. Appraisal does not apply to every issue. See TDI’s claim-dispute guidance for the policy-specific overview.
What our free review can clarify
Tell us whether the insurer denied the entire claim or only part of it, and what explanation you received. We can discuss the property documentation and whether our public adjusting services fit the concern. We cannot promise to overturn a denial or provide legal advice. Read how the professional roles differ.
Start with a free claim review
Our initial property inspection and claim review are free. If the records and inspection support the insurer’s payment, we will explain that finding at no cost to you. We do not assume every claim is underpaid.
Our fee is 10% of new money received, with no fee on payments received before you hire us and no additional expenses. If no new money is received, no fee is due. Representation begins through a written agreement.