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 cheque 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.
About this reference
We cannot file your claim. We can tell you who can
Filing, negotiating or settling a claim for you requires a public adjuster licence, and we do not hold one. We take no fee from anyone we point you toward.
What we can do is explain the options, in order, so you spend money only where it is worth spending.
Nothing here is legal advice. Your policy and your state's rules decide your situation.
Read our methodologyThe pillars
Where to start
Most read
The guides opened most, and the ones we update most often.
Before you sign anything
Six things a contractor or adjuster may put in front of you after a storm, and what each one actually does.
Open it- Assignment of benefits
- Contingency agreement
- Deductible waiver
- Direction to pay
- Release of claim
- Scope approval