How Insurance Companies Undervalue Claims – What You Need to Know

Insurance companies are in the business of minimizing payouts, not maximizing them. Many policyholders don’t realize that insurers often undervalue claims, leaving them with far less compensation than they deserve. Here’s how they do it—and how you can protect yourself.

1. Low Initial Settlement Offers

✅ How They Do It: Insurance companies often start with a lowball offer, hoping you’ll accept it without question.
💡 Your Solution: Never accept the first offer! A public adjuster can negotiate a fair payout.

2. Underestimating Repair Costs

✅ How They Do It: They use their own adjusters who may minimize damage or underestimate costs.
💡 Your Solution: Get an independent damage assessment from a public adjuster or contractor.

3. Misinterpreting Policy Language

✅ How They Do It: Insurance policies can be complex, and companies may claim certain damages aren’t covered—even when they are.
💡 Your Solution: Have a public adjuster review your policy and fight for your rightful coverage.

4. Delaying Claims to Wear You Down

✅ How They Do It: They drag out the process, hoping you’ll get frustrated and accept a lower payout.
💡 Your Solution: A public adjuster speeds up the process by handling all negotiations.

5. Blaming Pre-Existing Conditions

✅ How They Do It: They may claim your damage was due to wear and tear rather than the covered event.
💡 Your Solution: Provide clear documentation (photos, videos, and repair history) to dispute their claim.

Protect Yourself & Get the Settlement You Deserve

Don’t let your insurance company undervalue your claim.

A licensed public adjuster works for YOU, ensuring you get the maximum payout possible.

📞 Contact ME today for a FREE claim review!