Matters
A claim that was denied, delayed or paid short
Policies are written to be read by the insurer. Caspian reads yours for the policyholder.
After a storm or a burst pipe, the adjuster's estimate can come in far below what repairs cost, or a letter can arrive citing an exclusion you have never heard of. Bring the policy, the denial or estimate, and your own repair quotes.
The first step is a written review: what the policy covers, what the insurer said, and whether a lawsuit is a reasonable next move.
Denied and partly denied claims
Underpaid property damage
Delays and missed deadlines by the insurer
What the work covers
Where the insurer and the policyholder disagree
Storm and wind damage
Roofs, windows and water that came in after the wind did.
Water and plumbing losses
Sudden leaks and slow ones, and the fine print that separates them.
Fire and smoke
Contents lists, living expenses and the value of a rebuild.
Business interruption
Income lost while a shop or office was closed for repairs.
Appraisal and reopened claims
Using the policy's own process, and reopening a claim after a first payment.
Bad-faith handling
Whether an insurer delayed or denied without a reasonable basis.
Sample matters
Claims, as they are reported here
$31,200
Roof and interior water damage
A policyholder's claim was paid after appraisal, less fees.
Sample
Reopened
Claim closed after a first payment
The insurer reopened the claim and reinspected the home.
Sample
Settled
Denial of a shop's lost-income claim
Resolved before suit was filed.
Sample
Sample matters, written to show how results are reported. Past results do not guarantee a similar outcome: every case turns on its own facts and law.
On denied and underpaid claims
How long do I have to dispute a denial?
Policies and the law set deadlines, and some are short. Do not wait to find out which applies to you; send the letter and the policy as soon as you have them.
Should I accept the first estimate?
You do not have to. An estimate is an opening number. A second estimate from a contractor you choose is often the first useful step.
Will a lawsuit hurt my relationship with my insurer?
Many policyholders worry about this. Caspian will walk through the options, from a letter to appraisal to suit, before you choose.
Holding a denial letter you do not understand?
Send the letter, the policy and a line about the damage.