Services
Denied, underpaid, or reopened claims.
Three situations bring most commercial property owners to this page. The carrier denied the claim outright. The carrier paid, but the number doesn't cover the actual scope of the damage. Or the claim was closed months ago and something was missed. All three are claim-file problems, and all three start the same way — with a licensed public adjuster reading the file the carrier already has and checking it against what the property actually needs.
We work on contingency, under a written TDI-approved contract, at 10% of settlement — the maximum Texas law allows. Full detail on fee structure.
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A carrier estimate with the partial denial letter attached, photographed on the desk.
The common case
What underpaid looks like on a commercial file.
An underpaid claim rarely looks like an obvious mistake. It usually looks like a normal settlement — a number, a check, a closed file. The gap shows up in the detail:
- Line items missing from the carrier's estimate that are present in the actual damage — flashing, underlayment, insulation, mechanical components behind the visible surface
- Depreciation withheld and never released, even after repairs are documented
- A repair method priced instead of a replacement, on a component that doesn't qualify for repair under the policy or the manufacturer's specification
- Damage attributed to wear, age, or a prior event instead of the peril being claimed
- A scope written from a desktop or drive-by review rather than a physical inspection
None of these require anyone to have done anything deliberate. Carrier adjusters handle a high volume of files. A public adjuster's job is to read the same building differently — line by line, from the field.
Denials
What denied means, and what can be reopened.
A denial isn't always final, and it isn't always about the whole claim.
Partial denial
The carrier accepts part of the loss and excludes the rest — often a specific cause, a specific area of the building, or a specific line item. The accepted portion gets paid; the excluded portion needs its own documentation to be reconsidered.
Full denial
The carrier determines the loss isn't covered under the policy at all. That determination is based on the file the carrier has. A more complete file — additional photographs, moisture readings, an independent estimate — sometimes changes the outcome. Sometimes it doesn't. We'll tell you which one we think is more likely before we take the file on.
Reopened and supplemental claims
A claim that's already closed can often be reopened if damage was missed, if a repair uncovered additional damage once work started, or if the original scope was incomplete. Policies and carriers handle reopening windows differently, and we'll walk you through what applies to your specific policy — that's policy interpretation, not legal advice.
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Moisture meter against an interior ceiling, readings logged on the day of reinspection.
The free review
How the review works.
The review starts with the file the carrier already produced — the estimate, the denial letter or payment summary, and the policy. We compare that file against a physical inspection of the property:
- Full inspection of the loss — roof, interior, and affected building systems
- Photographic and drone documentation, organized and logged to match the carrier's file
- Moisture readings, test squares, measurements, and material identification where relevant
- A line-item estimate built in Xactimate, priced to the actual scope
- A side-by-side comparison: what the carrier's estimate includes against what the inspection shows
The initial review is free, and it comes with a straight answer. If the file supports pursuing a denial, an underpayment, or a reopening, we'll say so and explain the fee structure before anything moves forward. If it doesn't, we'll say that too — a claim that doesn't have a documented gap isn't worth pursuing, and we're not going to tell you otherwise to take the file.
If we take the file
What happens after the review.
If we take the file, the work is documentation and negotiation, not a repeat of what already happened:
- We prepare a supplemental or reconsideration submission built around the new documentation and estimate
- We communicate with the carrier's adjuster on your behalf through that process
- We track the file and follow up as it moves — reinspections, supplements, and additional requests from the carrier
Our goal is a settlement that reflects the documented scope of the loss. We don't control the carrier's decision, and we won't tell you a number or a timeline before the file supports one. Any settlement figures referenced anywhere on this site reflect specific claims and specific policies. Results vary.
Scope of the license
What we are, and what we aren't.
We are a licensed Texas public insurance adjuster.
We represent you, the policyholder, in this process — not the carrier.
We are not attorneys.
We don't practice law or give legal advice. If a denial turns on a legal question — a coverage dispute that needs to go beyond the claim file — we'll say so, and you'll choose your own counsel.
We are not engineers.
When we inspect a roof, that's a claim inspection by a licensed public adjuster. If a loss needs a structural or engineering opinion, that comes from a licensed engineer, not from us.
We are not contractors, and we don't do repair work.
Texas law prohibits a public adjuster from participating in the repair or reconstruction of a property they're adjusting a claim on. We don't perform repairs, we don't manage them, and we're not paid by anyone who does. Cord Largo spent years in commercial construction before moving to claims work, which is why he knows what a repair actually costs — that's background, not a service we offer.
We are not affiliated with any government agency.
Not FEMA, not the NFIP, not the Texas Department of Insurance. TDI issues our license. It does not endorse us.
On the record
License and disclosures.
Under Paid Claim LLC
Under Paid Claim LLC is not affiliated with, employed by, or endorsed by FEMA or the National Flood Insurance Program. We represent policyholders.
Any settlement figures shown on this site reflect specific claims and specific policies. Results vary.
Common questions
Questions about denied and underpaid files.
My claim was denied. Is it worth having someone else look at it?
Sometimes, sometimes not. It depends on why the carrier denied it and whether the file has documentation that wasn't there the first time. The initial review is free specifically so you can find out before spending anything.
How long do I have to reopen a closed claim?
It depends on your policy and, in some cases, statutory deadlines that vary by claim type. We'll review your specific policy with you. This isn't legal advice, and if the timeline question is contested, that's a conversation for an attorney.
Does a public adjuster only get involved after a denial?
No. Most of what we handle is underpayment on claims the carrier already accepted and paid — no denial involved.
What if the carrier's decision doesn't change after your review?
It's possible. A more complete file changes outcomes in many cases, not all of them. Because we work on contingency, that outcome doesn't cost you anything beyond the time of the review.
Do you handle claims outside the Rio Grande Valley?
We're licensed statewide in Texas. City hub URL — confirm once city pages are live
No cost for the review
Send the file. We will read it line by line.
The estimate, the denial letter or payment summary, and the policy. No obligation, and no fee unless we recover on your claim.
Request a free claim reviewOr call 956-772-4404.