Denied & Underpaid Claims
What denial letters really mean, what carrier estimates leave out, and the options you have after a no.
"Below Your Deductible": What That Letter Really Means
The carrier agreed a storm hit your home, then priced the damage under your deductible. Here is what usually gets left out of that number and what to ask for next.
Can a Public Adjuster Help With a Denied Claim?
Yes, denied claims are our specialty. A Minnesota public adjuster explains what a denial usually means, what we do differently, and when we say no.
Insurance Only Paid for Part of Your Roof? Matching and Repairability
When the carrier approves one slope and tells you to patch the rest, repairability and matching decide the fight. Here is how each works and where claims stall.
Insurance Says Your Roof Damage Is 'Wear and Tear.' Now What?
Carriers often call hail damage wear and tear. A Minnesota public adjuster explains how to tell the two apart, what evidence helps, and what to ask the carrier for.
Recoverable Depreciation: The Money Your Insurer Is Still Holding
Your first insurance check is smaller than the repair bill because the carrier holds back depreciation. Here is how recoverable depreciation works and how to get it.
The Insurance Company Sent an Engineer. What Happens Now?
When a carrier brings in an engineer after a hail claim, the report often decides the outcome. Here is what these reports look like and how we test them.
What Makes an Insurance Claim Underpaid? 9 Things Carriers Leave Out
A carrier estimate can look official and still be thousands short. These nine missing line items are the ones we find most often, and how to spot each one.
Your Insurance Claim Was Denied. Here Are Your Options.
A denial letter is not the final word. A Minnesota public adjuster walks through five options in order, with pros and cons, starting with the letter.
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