Insurance Claims
Insurers deny and underpay claims more often than most people realize. Understand your policy and build the case for what you're actually owed.
People with a denied claim, a lowball settlement offer, or a claim that's stalled.
Public adjusters typically take 10-20% of your payout - on top of what you already lost.
Start by requesting the specific policy language the denial is based on, then build a written appeal addressing that language directly with your own documentation and evidence - many denials are reversed at this stage.
Most states set specific deadlines for insurers to acknowledge, investigate, and pay or deny a claim, though the exact timeline varies by state and claim type - tracking yours is one of the most overlooked parts of getting a fair outcome.
Not always - many appeals succeed with a well-documented demand letter alone. Bringing in paid help tends to make more sense once a claim is large, complex, or the insurer isn't responding to a reasonable appeal.
A clear statement of what you're owed and why, tied directly to your policy language, along with the evidence supporting your claim's value - photos, estimates, receipts, and a specific response deadline.