Claims we handle
Denied or underpaid insurance claims
A denial letter or a low estimate isn't always the final word. We read the policy, check the insurer's reasoning and build the documentation to push back.
Denied and underpaid claims are a big part of what we do. Many of the claims we take over already have a low estimate or a denial letter, and many of them end very differently once the damage is fully documented and the policy is read line by line.
The results below are the carriers' own estimates, before and after Paramount. One of them started as a $0 estimate on a hail claim.
Paramount is a licensed public adjusting firm in Flowery Branch, Georgia, serving Georgia, Tennessee and South Carolina. We represent the policyholder, never the insurance company, and the first review of your claim is free.
Common reasons claims are denied or underpaid
Wear and tear. The insurer says the damage is from age or maintenance rather than a covered event.
Pre-existing damage. The insurer says the damage was there before the date of loss.
Cosmetic only. The insurer agrees there's damage but says it doesn't affect how the roof or siding works.
Excluded cause. The loss is attributed to something the policy excludes, such as flood or a gradual leak.
Below the deductible. The estimate's scope is so small it falls under your deductible.
Missed items. Rooms, elevations, materials or code items left off the estimate entirely.
How we push back
We start with the denial letter or estimate and the policy language the insurer relied on. Then we inspect the property ourselves and document what's actually there, with photos, measurements and a detailed estimate.
With that in hand we ask the carrier to reconsider or reinspect, and we present a supplement that shows, line by line, what was missed. Most of the time, the evidence is what changes the outcome.
Appraisal
Most property policies include an appraisal provision for disagreements over the amount of the loss. Each side picks an appraiser, and an umpire decides what they can't agree on. Appraisal settles how much the damage is worth, not whether it's covered, and we'll tell you whether it makes sense for your claim.
An honest answer up front
Not every denial is wrong. If your policy doesn't cover the loss, we'll tell you so, at no cost. If the dispute is a legal coverage question rather than a question of documentation and value, we'll tell you that too, since public adjusters are not attorneys.
Real claims. Real results.
The insurer's first estimate, and the final one.
Replacement cost value from the carrier's own estimates on recent Georgia claims, before and after Paramount took over.
Nationwide · Hail claim
- First estimate
- $8,282
- After Paramount
- $237,914
State Farm · Hail claim
- First estimate
- $22,848
- After Paramount
- $289,231
USAA · Wind claim
- First estimate
- $9,728
- After Paramount
- $112,081
State Farm · Hail claim
- First estimate
- $0
- After Paramount
- $23,672
State Farm · Wind/hail claim
- First estimate
- $11,190
- After Paramount
- $55,444
Results vary by policy and claim.
How it works
We handle the claim from start to finish.
Filing a claim is stressful and time-consuming. Here's how we take it off your plate.
- 1
Free claim review
Tell us what happened. We review your policy and the damage at no cost and tell you honestly if we can help.
- 2
Inspect & document
We inspect the property and document every item of damage with photos, measurements and a detailed estimate.
- 3
Negotiate with your insurer
We prepare and present your claim, meet with the carrier's adjuster and handle all of the back-and-forth.
- 4
Settle & rebuild
We work toward the settlement your policy supports so you can repair, rebuild and get back to normal.
FAQ
Denied or underpaid claims claim questions
Don't see your question? Call us and we'll talk through your claim.
Can a denied insurance claim be reopened?
Often, yes. You can usually ask the insurer to reconsider with new documentation, such as an independent inspection and a detailed estimate. Timing and policy wording matter, so it's best to act quickly.
What is the appraisal clause?
Most property policies let either side demand appraisal when you agree a loss is covered but disagree on the amount. Each side picks an appraiser and an umpire resolves differences. It decides value, not coverage.
Is there a deadline to dispute a denial?
Policies set their own time limits, including limits on when legal action can be taken, so don't wait. Send us the denial letter and we'll tell you where things stand.
Does it cost anything to have you review my denial?
No. The claim review is free. If we take on your claim, our fee is explained in writing before you sign anything.
Other claims we handle
- Delayed claimsClaim stuck for weeks with no answers? We take over communication with the carrier and keep it moving.Learn more
- Storm, wind & hailRoof, siding, gutters, windows and interior damage from storms, high winds, hail and fallen trees.Learn more
- Water damageBurst pipes, appliance leaks, roof leaks and sudden water losses, including the damage you can't see yet.Learn more
Request a free claim review
Let's take a look at your claim.
Tell us what happened. A licensed public adjuster will get back to you, usually the same business day.
- We review your policy and damage at no cost
- Honest answer on whether we can help
- No pressure, no obligation