Underpaid or Denied
INSURANCE CLAIMS
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Denied, Low-Balled or Underpaid Insurance Claims
When you’ve experienced a loss and file a claim under your insurance policy, you expect your insurer to handle it fairly and fulfill its promise. Unfortunately, many policyholders discover the hard way that their claim is denied, the settlement is low-balled, or they’re underpaid for what the damage actually costs.
At Ocean Point Claims, we work with you when your insurance company doesn’t deliver the coverage you paid for.
Why Claims Get Denied or Underpaid
Insurers have the right under your policy to review, adjust, and even deny or undervalue claims. But when the outcome leaves you bearing costs that should be covered, it becomes unfair. Some common tactics and reasons include:
- The carrier finds a reason to claim the damage was “pre-existing” or not caused by a covered peril.
- There is a refusal to recognize a “storm-created opening” (in property damage cases) or another valid trigger of coverage.
- The insurer issues a low settlement offer hoping you’ll accept quickly rather than pushing for full compensation.
- You’re given an explanation of benefits or loss estimate that doesn’t reflect the true cost to repair or replace.
- The claim process is delayed or mismanaged so you feel pressured to settle.
- Policy language, exclusions or documentation requirements are misunderstood or misused by the carrier.
If any of these sound familiar, for example you got a denial letter, your payout was far less than expected, or you feel the insurer isn’t treating your claim fairly, you’re not alone and there is a path forward.
The Cost of Accepting a Low Offer
Accepting a quick, low settlement may seem like relief, especially after a traumatic loss. But in reality, it often means:
- You may still have to cover repair or replacement costs out of pocket.
- Your property value, safety or operations may be compromised by incomplete repairs.
- You may lose the right to submit supplements or reopen the claim if new damage or additional costs appear.
- You might run out of time to appeal or challenge the insurer’s decision.
How Ocean Point Claims Helps You Turn it Around
When you partner with us, you’re gaining a dedicated advocate who knows how insurers work and how to make them honor their obligation. Here’s what we do:
1. Review Your Policy & Claim File
We dive into your insurance policy, the insurer’s denial or settlement offer, and all relevant documentation to identify errors, overlooked damage, or misvaluations.
2. Document the Full Scope of Loss
Using contractors, engineers and restoration professionals, we compile a detailed estimate of what it takes to repair or replace the damage. This ensures you’re positioned for a full recovery.
3. Negotiate and Appeal on Your Behalf
We engage directly with the insurance company, submit the corrected scope of damage, challenge low offers and push for a settlement that reflects your losses, not theirs.
4. Keep You Informed & Protected
Insurance claims can be complex and frustrating. We keep you updated at every stage so you understand your rights, options and next steps.
Why Work With Us
- We exclusively represent policyholders, not the insurance company.
- We have deep experience in denied and underpaid claims, especially when insurers apply lowball tactics or shift blame.
- Our goal is simple: maximize your recovery so you’re made whole again.
- We believe in transparency. We explain your rights, the insurer’s obligations and realistic outcomes.
FAQ
My insurer says my damage isn’t covered. Can I still challenge that?
Yes. Many denials hinge on technicalities, misinterpretation of policy terms, or inadequate documentation. We can evaluate whether the denial is justified and whether there’s a basis to reopen or appeal.
They offered a settlement, but I think it’s too low. What can I do?
You’re not obligated to accept their first offer. We can prepare an alternate estimate and negotiate an increase, or even trigger appraisal or legal options if required.
How much time do I have to act?
It depends on policy terms and state law. Some insurers impose deadlines for appeals, supplements, or filing required documentation. Acting promptly preserves your rights.
Will hiring a public adjuster delay my claim?
On the contrary, our involvement usually accelerates things by presenting a substantiated claim file and pushing negotiations. The insurer knows you’re serious.
Ready to Get Started?
If your claim was denied, lowballed or underpaid, or you simply suspect the insurer is undervaluing your loss, don’t settle for less than you deserve. Contact Ocean Point Claims today for a free consultation. We’ll review your file, explain your options, and begin working to put you back in the position you should be in.