Dealing with property damage is already stressful, but finding out that your insurance company won’t pay enough to cover repairs can feel like a slap in the face. You might wonder what options you have and whether you’re stuck footing the bill.
The good news is that you’re not out of options. If your insurance company underpays your claim, there are steps you can take to challenge their decision and get the compensation you deserve.
Understand Why Your Claim Was Underpaid
The first step in addressing an underpaid claim is to understand why it happened. Sometimes, it’s due to simple miscommunication or an oversight in the adjustment process. Other times, it’s because the insurer is interpreting your policy in a way that limits what they’re willing to pay.
Here are a few common reasons for insurance claim underpayment:
An incomplete damage assessment by the insurance adjuster.
Disputes over whether certain damage is covered by your policy.
Misinterpretation of policy language or exclusions.
Low repair estimates that don’t reflect the true cost of labor and materials.
It’s important to review your claim documents carefully to identify where things might have gone wrong. This will help you decide your next steps. If you need support with an underpaid insurance claim, Kyle Staggs Esq. and our law firm are here to help.
Request a Claim Reassessment
If you believe your claim was underpaid due to an error or oversight, your first move should be to request a reassessment from your insurance company. This involves submitting additional documentation, like repair estimates, photos, or invoices, to support your case.
Be clear and professional in your communication, and ensure you meet any deadlines for filing supplemental claims. While this approach doesn’t always work, it’s a necessary first step before escalating the issue further.
Consider Hiring an Independent Adjuster
If your insurance company isn’t budging, you may want to consider hiring a public adjuster to evaluate the damage. Some of our clients find that public adjusters are helpful in complex cases where the damage is extensive or repairs are costly.
Unlike the insurance company’s adjuster, a public adjuster works on your behalf to provide an unbiased estimate of your loss. Having an independent assessment may help strengthen your case by providing concrete evidence that supports your claim.
When to Contact a Property Damage Attorney
If your insurance company continues to underpay or refuses to reconsider your claim, it’s time to involve an attorney. A property damage lawyer can review your policy, advocate on your behalf, and hold the insurer accountable.
The Florida Property Damage firm can:
Negotiate directly with the insurance company to seek a fair settlement.
File a ‘bad faith’ claim if the insurer is acting unfairly or unlawfully.
Represent you in court if legal action becomes necessary.
Hiring a lawyer isn’t about being combative, it’s about leveling the playing field against the insurance companies and ensuring your rights are protected.
Why Acting Quickly Is Important
Delays in addressing an underpaid claim can hurt your case. Evidence may fade, deadlines might pass, and insurers could become less responsive over time. Acting quickly ensures you have the best chance of recovering the compensation you’re entitled to.
By taking proactive steps, whether it’s gathering documentation, hiring an adjuster, or consulting with a seasoned lawyer; you can avoid the stress and financial strain of underpaid claims.
Get the Help You Deserve
If your insurance company didn’t pay you enough, you don’t have to face it alone. With years of experience helping Florida homeowners and businesses, Kyle B. Staggs, Esq. is here to fight for what you’re owed.
Contact my firm today to discuss your case and take the next step toward fair compensation.
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