Insurance offer too low?
If the check won’t cover the repair, the insurer’s estimate may be missing items or using the wrong pricing. We build a complete estimate and pursue the difference.
Common reasons for a low offer
Insurer estimates are often written quickly after a storm. Small gaps across many line items add up to large shortfalls.
- Missing rooms, slopes or line items
- Pricing below local repair costs
- Repair approved where replacement is needed
- No allowance for matching materials
- Code upgrade costs left out
- Depreciation withheld without explanation
Our approach
Compare estimates
We review the insurer’s estimate line by line against what’s actually damaged.
Build a full scope
A detailed estimate with current local pricing and every needed item.
Explain depreciation
Many policies hold back depreciation until repairs are complete. We explain how to recover it.
Negotiate
We present the supplemental claim and negotiate with the insurer for you.
Underpaid claim FAQs
I already cashed the check. Can I still dispute it?
Often, yes. Cashing a payment doesn’t always end the claim, but deadlines apply. Call us and we’ll check your situation.
What is recoverable depreciation?
Many replacement cost policies first pay the actual cash value, then release the withheld depreciation after repairs are done. It’s a common source of unpaid money.
How long do I have?
Florida law now requires most new property claims to be reported within one year of the date of loss, and supplemental or reopened claims within 18 months. Your policy may set its own notice requirements too, so don’t wait.
Talk to a licensed public adjuster
Tell us what happened. We’ll review your policy and your claim, explain your options and tell you honestly whether we can help.