My insurance claim was underpaid. What should I do?

It’s common that many Florida homeowners end up being underpaid on their property claim after some sort of loss. 

When it comes to making a payment on your claim, a large number of factors play a role in what the insurance company’s adjuster is willing to pay to settle your claim.

In this post, we are going to go over some key details to help you explore your options when it comes to dealing with an underpaid claim.


1: Request Key Documentation

The first step for obtaining more money is to request copies of very important claim documents. These include:

  • A certified copy of your policy
  • The adjuster’s report
  • Coverage decision letter

If your insurance carrier hired a professional services company like an engineering firm or a leak detection specialist, then you also want to request copies of their findings as well.

As a side note, the service providers that the insurance carriers hire are hired in the interest of the insurance company.


2: Obtain Supporting Documentation

After requesting all the necessary documentation, the next step is to move towards proving to the insurance company that the amount of money they paid will not be enough to repair all the damages.

In order to properly prove your claim to the insurance company’s adjuster, it is often recommended that homeowners obtain estimates from licensed contractors to find the true cost of repairing their property.

Important note: A contractor cannot act as a public adjuster on your claim. They can only serve to provide professional estimates & reports.

Even if you are planning to repair the property yourself, a professional estimate from a contractor will help to ensure that you understand how much the repair will cost you.


3: Prepare Your Response

After obtaining documents that support your loss, the next step is to draft a response with the supporting documentation that shows why the insurance company should pay more to fix your damages.



Dealing with a property loss can put significant strain on a homeowner. Property repairs can be steep & dealing with the insurance company can often seem like a battle.

We hope that this blog post can help to better guide you in your claim process. If you still have questions, please feel free to submit a question by clicking here

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