Denied, underpaid, or stalled

Your roof claim went wrong. Here are your options

Denials, underpayment, public adjusters, appraisal, complaints and the scams that follow every storm, plus the introduction to a licensed partner when the claim needs one.

Start with denials Who can help

What this site is for

A denial is not the end of the process

Reinspection, appeal, appraisal and a complaint to your state regulator all sit between a denial and giving up.

Underpayment is more common than denial

It is also harder to spot, because the check arrives and looks like a result. The missing line items are where the money went.

The people knocking after a storm are not your friends

Deductible waiving is fraud, an assignment of benefits signs away your claim, and both arrive smiling.

AppraisalThe clause in most policies that settles a dispute without a lawyer

Fee baseWhat the fee is charged on, and when, matters more than the headline number

O&POverhead and profit, the line item quietly left out of underpaid estimates

Your regulatorEvery state has an insurance department that takes complaints about how a claim was handled

About this reference

We document the roof. A licensed partner takes the claim

Filing, negotiating or settling a claim takes a public adjuster license and we do not hold one. Where your claim needs somebody to act for you, we introduce you to a partner who is a licensed public adjuster or an attorney in your state, and they work with you directly.

Our own work is inspecting the roof and documenting the damage, which is the evidence all of it runs on.

Nothing here is legal advice, and nobody can promise you an outcome. Your policy and your carrier decide what is covered.

Read our methodology

The pillars