01
The decision
What reason did the insurer give? Locate the denial letter or coverage explanation. Separate a coverage dispute from a disagreement over repair costs.
Denied & underpaid claims
A denial deserves
a careful second look.
Start with the reason for the decision. We review the policy, the insurer’s letter, and the damage documentation to help you understand whether there is a path forward.
We review and reply within one business day. Do not wait to report damage or meet a policy deadline.
Understand before you act
Three things we look at first.
02
The record
Compare the insurer’s explanation with photos, inspection notes, dates, repair estimates, and relevant policy language. Gaps in the record may matter.
03
The next step
A review may point to additional documentation, a supplemental claim, a dispute process, or a need for legal advice. The right route depends on the facts and deadlines.
Prepare for the conversation
Bring the paperwork.
We’ll help make sense of it.
- The denial letter or latest insurance estimate.
- Your policy and any endorsements, if available.
- Photos, repair estimates, and a timeline of what happened.
- Dates of notices, inspections, payments, and communications.
Use the review link below to start. Our team can explain how to share claim documents after the initial conversation.
Good questions
Common questions
You deserve to understand the process before you make a decision.
What does it cost to work with Care Claims?
The initial claim review is free. If you choose representation, the fee and how it is calculated are explained in a written agreement before you sign, subject to Florida law. Read about public adjuster fees.
Can you help with a denied or underpaid claim?
We can review the decision, your policy, and the available evidence. Some claims may warrant additional documentation or further review. No outcome can be promised; coverage, deadlines, and the facts of your loss matter.
Understand your next step
The initial review is free. If you choose representation, we explain the fee and how it is calculated in a written agreement before you sign. Coverage and results depend on the policy and the facts.
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Claim help in your area
Based in Riverview, serving Florida property owners. These are service areas, not additional offices.
YOUR NEXT STEP
Let’s look at your situation.
Start with what you know. We’ll help you work through the rest.
We review and reply within one business day. Do not wait to report damage or meet a policy deadline.