Claim services · Miami & South Florida
Underpaid Insurance Claim Review in Miami
Compare the insurer’s estimate with the documented damage and available repair estimates.
- The damage and repair items included in each estimate
- Differences in quantities, materials or reported scope
- The insurer’s payment explanation and supporting correspondence
Tell us about your property.
A few details to start your free evaluation. We will contact you to arrange a phone or Zoom consultation.
- Licensed public adjusterFlorida license W319359
- English and SpanishTalk in the language you prefer
- Free first evaluationBy phone, Zoom or a home visit
- South FloridaMiami-Dade, Broward and Palm Beach
Understand the details
What we review in an underpaid claim
If an insurance payment seems out of step with the repairs your property needs, the next conversation starts with the details. We can review available estimates, the documented scope of damage and the insurer’s explanation of the payment.
We help property owners across Miami-Dade, Broward and Palm Beach, including Miami, Doral, Hialeah, Kendall, Coral Gables and Fort Lauderdale, by phone or Zoom and with home visits by appointment.
Do not assume a specific recovery amount. An individual claim review is needed before discussing possible next steps.
Simple process
How it works
Tell us what happened
Complete the form or call. A few details are enough to start.
We contact you
We call you back to arrange a free consultation by phone, Zoom or at your property by appointment.
Understand your next steps
We review the information available and explain clearly what may come next with your claim.
Client experiences
What property owners say
“Super responsive to any request and messages sent.”
“… knowledgeable, professional and truly care about their clients.”
“… very helpful throughout the claim process …”
Selected excerpts from individual experiences. Results vary from claim to claim.
Questions
Underpaid claim questions in Miami
Does a higher contractor estimate guarantee another payment?
No. An estimate is one part of the review. Differences need to be understood in the context of the policy, the damage and the insurer’s position.
Can I call if I do not have a second estimate?
Yes. Bring the insurer’s documents and describe the repairs you are concerned about. The initial evaluation can identify useful next information.
Guides
Guides about this kind of claim
Found more damage? How a supplemental claim works in Florida
What counts as a supplemental property insurance claim in Florida, the 18-month deadline, and how to document additional damage or costs found during repairs.
Read articleHow the appraisal clause works in a Florida property claim
How property insurance appraisal works, what it can and cannot decide, what it costs, and how it compares with DFS mediation in Florida.
Read articleWhen repairs don’t match: Florida’s matching rule
What section 626.9744 says about matching repairs in Florida homeowners claims, which factors the insurer may weigh, and how to document a mismatch.
Read articleReplacement cost, actual cash value and the depreciation you may recover
Why the first payment on a Florida property claim can look low, how withheld depreciation works, and what to keep to recover it after repairs.
Read article
Let’s talk about your property.
Call or send your details and we will contact you to arrange your free evaluation.
Ricardo Arevalo · Florida Public Adjuster · W319359
Public adjusting firm license: W824117