You filed your claim, followed the rules, and received a payment that simply doesn’t cover the full cost of repairs. This is one of the most common ways insurance companies reduce their liability. If your property damage claim has been paid, but the amount is inadequate, Right Way Public Adjusting specializes in transforming lowball offers into the financial recovery you deserve.
An underpaid claim is when your insurance company agrees to cover your damage but offers a settlement amount that is significantly less than the true cost to repair or replace your property.
This happens for several reasons, and it often comes down to the adjuster hired by the insurance company overlooking or minimizing damage:
The insurance adjuster missed hidden damage (like water intrusion behind walls or damage under the roof).
The adjuster's estimate failed to include necessary costs like permits, code upgrades, General Contractor overhead and profit, or local labor rates.
The insurer applies a high depreciation rate to your materials, significantly reducing the actual cash value.
The insurance company incorrectly applied policy language to exclude certain damages that should have been covered.
If you have already received a check and your case is “closed,” you still have the legal right to challenge the amount and file a supplemental claim. In Florida, you have an opportunity to submit a supplemental claim for up to 18 months following the date of a covered loss caused by weather (like a hurricane) and a longer timeframe to pursue a breach of contract lawsuit (up to five years).
When you partner with Right Way, we don’t just file paperwork—we build a new, undeniable case for your full recovery by:
Our licensed public adjuster conducts a meticulous, independent inspection, often identifying crucial damages (like moisture, structural issues, or code violations) that the first adjuster ignored.
We use industry-standard software (like Xactimate) to create a detailed, line-by-line repair estimate that accurately reflects current, local costs.
We submit our findings, policy arguments, and evidence directly to your insurer, demanding a fair adjustment.
Our strategic process is designed to overcome the tactics used by insurance carriers to lowball your claim:
| Step | Right Way Action | Benefit to You |
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1. Comprehensive Claim Review
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We analyze your entire claim file, the initial settlement offer, the insurer’s inspection report, and your complete policy language to pinpoint every financial deficiency.
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Pinpoints exactly why your claim was underpaid and establishes the necessary target amount.
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2. Independent Evidence Gathering
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We bring in independent experts (engineers, specialized adjusters, moisture/mold testers) to document every element of hidden damage and necessary repair cost.
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Provides irrefutable, third-party proof that directly counters your insurance company’s initial assessment.
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3. Aggressive Negotiation
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We handle all communication, submitting a clear, fact-based demand for a supplemental payment. We manage all negotiations, mediation, and, if necessary, the appraisal process.
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Takes the stress off your shoulders and ensures you have a true advocate fighting for the maximum compensation available.
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When your insurance company lowballed me, they are counting on you to give up. The process of getting more money for an underpaid insurance claim requires two critical things you likely don’t have:
We are experts in both. We speak the insurer’s language and understand the local Florida laws that protect your right to a full recovery.
Like the competitor, we believe you should have nothing to lose when fighting for what you are owed.
You owe us absolutely nothing to review your case and begin our work.
We are only paid a percentage of the increase we secure over your original settlement. If we cannot get you a higher payment, you owe us nothing.
Our fee structure ensures our success is directly tied to yours. We are motivated to maximize your supplemental claim help.
5-Star Rated on Google for Excellence and Results
Don’t let the insurance company keep money that is rightfully yours.
Let us evaluate your underpaid claim and show you the Right Way to a fair settlement.
