Comprehensive Claim Analysis
We provide independent, expert review of insurance claims to identify gaps, ensure accuracy, and maximize fair settlement value.
Coverage Analysis
Detailed review of policy language and coverage applicability
Scope Review
Line-by-line analysis of carrier estimates and scope accuracy
Gap Identification
Identify missing items, undervalued components, and code requirements
Value Recovery
Document additional damages and proper pricing to maximize settlement
Key Review Areas
Policy Coverage Review
- Applicable coverage sections and endorsements
- Deductible calculations and application
- Coinsurance or agreed value clauses
- Special limits or sub-limits
- Exclusions and their applicability
Damage Assessment Review
- Completeness of scope of damage documentation
- Accuracy of cause and effect relationships
- Hidden or concealed damage considerations
- Matching or betterment issues
- Code compliance and upgrade requirements
Estimate Accuracy Review
- Line-item pricing and market rates
- Material specifications and quality
- Labor calculations and productivity
- General conditions and overhead
- Profit margins and contractor markup
How We Review Your Claim
Document Collection
Gather all claim documentation, estimates, policies, and correspondence.
Policy Analysis
Review coverage provisions, endorsements, and applicable policy language.
Estimate Review
Line-by-line analysis of carrier estimates for accuracy and completeness.
Field Verification
Site inspection to verify damages and identify any missing items.
Detailed Report
Comprehensive findings report with recommendations and supporting documentation.
When to Request a Claim Review
Low Settlement Offer
The carrier's estimate seems insufficient to fully restore your property
Coverage Dispute
Questions about what should or shouldn't be covered under your policy
Scope Disagreement
Differences of opinion on the extent of damage or required repairs
Pending Appraisal
Need professional analysis before entering the appraisal process
Large Loss Claims
Complex commercial or industrial claims requiring expert oversight
Second Opinion
Independent validation of carrier findings and settlement offer
The Value of Professional Claim Review
Insurance adjusters represent the carrier's interests. Our independent review ensures your claim receives fair evaluation and proper settlement.
Ensure carrier estimates include all damage and proper pricing
Identify coverage issues and policy interpretation concerns
Recover value on underestimated or missing claim items
Professional documentation to support claim supplements
Avoid settlement pitfalls and claim valuation disputes
Level the playing field with carrier adjusters