Is Your Insurance Settlement Too Low?
Insurance companies use staff adjusters and estimating software designed to produce the lowest defensible settlement number. The result is that many Florida homeowners receive offers covering only a fraction of their true restoration costs — and many accept the check without knowing they can fight back.
At Claim The Max, challenging underpaid claims is one of our core services. We review your settlement, compare it against your actual damage and policy entitlements, and build a case for a supplemental or re-opened claim.
Signs Your Claim Was Underpaid
- Contractor estimates are significantly higher than the insurance offer
- Insurer used below-market labor and material rates
- Depreciation applied incorrectly or excessively
- Scope of damage is incomplete — your contractor found items missing from the estimate
- Additional living expenses denied or undervalued
- Code upgrade requirements ignored
- Matching materials for partial repairs excluded
Common Tactics Insurers Use to Underpay
- Using outdated or non-market pricing in repair estimates
- Applying excessive depreciation to reduce actual cash value payments
- Excluding items from scope that should be covered
- Calculating replacement cost incorrectly
- Misclassifying covered damage as excluded wear and tear
- Refusing to pay for code-required upgrades during repair
How We Recover More for Underpaid Claims
- Review your existing settlement against your policy and actual damage
- Independent re-inspection and professional damage estimate
- Identify all items excluded or undervalued in the original settlement
- File a supplemental claim with full documentation
- Negotiate directly with the insurance company for increased payment
- Pursue the appraisal process under your policy if necessary
Related Services
Frequently Asked Questions
Yes. In most cases you have the right to challenge a low settlement through a supplemental claim, appraisal, or mediation process. Time limits apply — contact us promptly.
Florida law sets specific deadlines for supplementing or challenging claims. These vary by policy type and event date. Contact us as soon as possible to protect your rights.
Your initial claim review is completely free. If we take your case we work on contingency — you only pay if we recover additional money for you.