We Fight For Your Home's True Value
After a disaster, your home insurance company should be your safety net. Instead, they often send adjusters who deliberately undervalue your damage, cite obscure policy exclusions, or delay repairs to force you into a cheap settlement.
Home Insurance Refund Services
We specialize in overturning denials and increasing settlements for all types of residential property damage.
Storm & Wind Damage
We fight lowball estimates for roof replacements, siding damage, and structural issues caused by hurricanes, hail, or tornadoes.
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Fire & Smoke Damage
Insurers often underpay for smoke remediation and structural rebuilding. We ensure you get the full replacement cost value.
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Water & Flood Damage
Denied due to "flood exclusions" or "gradual seepage"? We know how to prove sudden, accidental discharge to get your claim paid.
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Lowball Settlement Appeals
If their adjuster's estimate is thousands less than your contractor's quote, we bring in independent appraisers to force a fair payout.
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Additional Living Expenses
Struggling to get reimbursed for hotel and food costs while your home is being repaired? We fight for your full ALE coverage.
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We believe you shouldn't have to pay out of pocket to fight for the money you already paid premiums for. Our recovery model is designed to be completely risk-free for you.
- You only pay when we win.
Send us your denial letter or initial settlement offer. We will review it within 24 hours and tell you exactly how much additional money we can recover.
$0.00 Upfront Cost
Our team of former adjusters and property attorneys handles all the paperwork, independent appraisals, and aggressive negotiations with the insurer.
100% Hands-Off For You
Once the insurer issues the revised, higher settlement check, we deduct our pre-agreed contingency fee. You keep the vast majority of the recovered funds.
Fast Direct Deposit
Homeowner Success Stories
After the hurricane, the insurer offered me $15,000 for my roof. I knew it was low. This team brought in an independent appraiser, proved the actual cost was $48,000, and got me the full difference plus rental coverage.
Marcus T.
Recovered: $33,000
They denied my water damage claim, saying it was "gradual seepage." I was facing a $20,000 repair bill. Veronica's team proved it was a sudden pipe burst, and the insurer reversed the denial in 10 days.
Sarah L.
Recovered: $20,000
My house fire left us displaced for months. The insurance company kept delaying our Additional Living Expenses reimbursement. This firm stepped in, cited bad faith, and got us a $12,000 lump sum immediately.
David R.
Recovered: $12,000
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Independent Advocacy
Independent Appraisers
Insurance adjusters work for the insurance company. We hire licensed, independent property appraisers who work solely for you to document every single dollar of damage.
- Detailed photographic evidence
- Contractor-level repair estimates
- Building code upgrade coverage
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Appeal Success Rate
Bad Faith Litigation
When an insurer unreasonably delays or denies a valid claim, it's called "bad faith." Our attorneys aren't afraid to file lawsuits to force the payout you deserve.
- Statutory penalty demands
- Attorney fee recovery
- Interest on delayed payments
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Avg. Days to Resolve
Rapid Resolution
Insurance companies hope you'll get tired of waiting and accept a low offer. We keep the pressure on, ensuring most appeals are resolved in just 14 to 30 days.
- Expedited review requests
- Direct adjuster negotiations
- Transparent status updates
- Independent Appraisers
- Bad Faith Litigation
- Rapid Resolution
Our Property Claim Experts
Former insurance adjusters, licensed appraisers, and property damage attorneys working exclusively for you.
Veronica M Santiago
Founder & Lead Specialist
Jeremy Scob
Senior Property Attorney
Taylah Tolmie
Head of Negotiations
John Baker
Lead Independent AppraiserHome Claim FAQs
Get answers to the most common questions about fighting home insurance denials and lowball settlements.
Have a specific question about your property damage? Get in touch today