Why Insurance Companies Underpay and Deny Claims
Insurance companies are profit-driven. Every dollar they don’t pay you goes to their bottom line. Here are their common tactics:
Inadequate Damage Assessment
Adjusters rush inspections, missing water intrusion, hidden structural issues, and secondary damage.
Lowball Repair Estimates
Insurers undervalue repairs using outdated pricing and excluding necessary work.
Policy Misinterpretation
Companies deny coverage by claiming inapplicable exclusions or misreading policy terms.
Premature Claim Closure
Insurers close claims before all damage is discovered, leaving you responsible.
Disputed Cause of Loss
Companies argue damage resulted from excluded perils despite clear evidence otherwise.
Michael knows every tactic insurers use to minimize payouts. He challenges their decisions with documented evidence and aggressive negotiation to recover the compensation you deserve.
How We Turn Denials Into Settlements
Michael’s systematic approach to recovering underpaid and denied claims.
Comprehensive Claim Review
Michael reviews your original claim, insurance assessment, and policy to identify where the insurer went wrong.
- Original claim analysis
- Insurance assessment review
- Policy examination
- Gap identification
Independent Property Reinspection
Michael reinspects your property to document all missed damage and additional losses.
- Hidden damage discovery
- Secondary damage assessment
- Code upgrade requirements
- Accurate replacement costs
Evidence & Documentation
Michael builds a strong case with comprehensive documentation to challenge the insurer’s decision.
- Damage assessment reports
- Updated Xactimate estimates
- Contractor bids
- Photographic evidence
Strategic Policy Analysis
Michael examines your policy to identify overlooked coverage provisions and additional benefits.
- Coverage provisions
- Policy endorsements
- Replacement cost benefits
- Additional coverages
Aggressive Renegotiation
Michael presents documented evidence and negotiates persistently until you receive fair compensation.
- Evidence presentation
- Assessment challenge
- Claim reopening demand
- Fair settlement recovery
Our Competitive Edge
Michael’s insider knowledge and technical expertise give you advantages no one else can match.
- Former insurance adjuster
- Xactimate certified
- Dual licensing
- Proven track record
Types of Claims We Reopen and Recover
Michael has experience recovering additional compensation on underpaid and denied claims.
Storm Damage Claims
Fire & Smoke Claims
Water Damage Claims
Roof Damage Claims
Structural Damage
Business Interruption
Contents & Property
Total Loss Claims
Get Your Claim Reviewed for Free
Don’t accept an unfair settlement or denial. Let Michael review your claim at no cost to determine if you’re entitled to additional compensation.
You already paid your premiums. Now make your insurance company pay you.