Dissect the Denial
The letter must point to policy language. We read your full policy and the carrier's file, and identify what their inspection ignored, minimized or got wrong.
Denied & underpaid insurance claims — not over
A denial letter is the insurance company's opening move, not the final word. Underpaid, denied, delayed or closed — we re-open, re-document and re-negotiate Florida insurance claims other people gave up on.
Your options after a denial
Five ways a "no" becomes a settlement
Every path starts the same way: understanding exactly why they denied you — then dismantling it.
Re-document the Loss
New inspection, moisture readings, photos, line-item estimates. Most denials rely on thin evidence — we replace it with evidence they can't dismiss.
Supplemental Claim
Underpaid isn't over. Florida law generally allows supplemental claims within 18 months (Fla. Stat. 627.70132) — we re-measure the loss and demand the difference.
Appraisal
Most policies include an appraisal clause for disputes about the amount of loss: each side appoints an appraiser, an umpire breaks ties. It's how our client's $5,000 roof offer became a full roof replacement.
DFS Mediation & Beyond
The Florida Department of Financial Services runs a property insurance mediation program for policyholders, and litigation remains the last resort — with honest advice on when it's warranted.
Start with step zero.
A free, no-obligation review of your denial letter and policy.
Get your denial reviewed
The proof
$5,000 offer. Brand-new roof.
A Spring Hill client's roof — over 20 years old — started leaking during a storm. The carrier offered $5,000 and called it done. We took the claim through the policy's appraisal process, challenged the carrier's numbers with our own documentation, and won: a full roof replacement, not a patch job.
That gap — between what the insurance company offers first and what your policy actually owes — is why underpaid claims are our busiest category. The first offer is a negotiating position. Treat it like one.
Denied claims
We challenge the decision with documentation the carrier can't wave away.
Underpaid claims
We re-measure the loss and close the gap — through negotiation or appraisal.
Delayed claims
Endless document requests are a stall tactic. We apply pressure and a paper trail.
Deadlines are real
Florida generally allows 1 year from the date of loss to notice a new claim and 18 months for supplemental claims (Fla. Stat. 627.70132). If your denial is recent, you likely still have options — but the clock is running.
Check your deadline — free
Denied claim FAQ
Frequently asked questions
Have another question? Call us — (352) 556-3988.
Frequently, yes. Denials often rest on incomplete inspections, wear-and-tear assumptions, or policy language read in the carrier's favor. Re-documenting the loss, challenging the basis of the denial, invoking appraisal, or using the Florida DFS mediation program are all paths that regularly turn denials into settlements.
Florida law sets strict windows: under Fla. Stat. 627.70132, notice of a new or reopened property claim generally must be given within 1 year of the date of loss, and supplemental claims within 18 months. Deadlines vary with your policy date and situation — call sooner rather than later, because waiting only helps the carrier.
Nothing up front. The claim review and inspection are free, and our fee is a state-capped percentage of what we actually recover (Fla. Stat. 626.854 — 20% standard, 10% for Governor-declared-emergency claims filed within a year of the declaration). If we recover nothing, you owe nothing.
Not necessarily — and usually not first. A public adjuster re-documents and renegotiates the claim, and dispute tools like appraisal and DFS mediation resolve many disputes without litigation. When a case genuinely needs an attorney, we'll tell you honestly.
Be careful. Depositing a check presented as "full and final" settlement can complicate recovering more. Have the offer reviewed first — the difference between a first offer and a properly documented claim is often substantial. Review is free.
They said no. We say not yet.
Free denial review — bring the letter, we'll bring the fight.
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