Denied / Underpaid
When an insurance company denies a claim, it may do so because it feels as though the cause of loss is excluded by the written policy. It may also do so because the insured failed to meet one of the necessary requirements of the claims process, such as timely notice of the claim. Either way, we are able to examine the claim and the policy and determine the appropriate next steps.
Underpaid claims will fall under one of 2 scenarios: first, where an insurance company was cognizant of the damages of the claim but failed to pay enough to make the repair; and second, where there are additional losses or damage from the initial peril that have been incurred while completing repairs or replacement for the open claim. The first scenario is called a Reopened Claim and the second is called a Supplemental Claim. We will examine the entire situation and determine the appropriate next steps.