Initial Consultation
We begin with a detailed review of your policy and the reported damage so we can clearly understand the scope of the loss, the coverage that applies, and the rights available to you under the policy. This initial assessment allows us to identify potential issues early and develop an informed strategy moving forward. We will also take time to explain the benefits of professional representation and outline our fee structure in a clear, straightforward manner. Our goal is to ensure you have the information you need to make an informed decision, with full transparency and no surprises.
Detailed Documentation
We conduct a thorough, methodical documentation process that includes identifying all affected building components, capturing measurable damage, and collecting the supporting evidence necessary to establish both scope and causation. This data is then integrated into a comprehensive, unit-cost estimate that reflects current market conditions and accepted industry standards. By quantifying the full extent of the loss in this manner, we establish an accurate scope of work and present a defensible valuation to the carrier. To further substantiate the claim file, we create a structured photo log that systematically documents observed damages, repair complexities, and relevant site conditions. We also encourage client participation in this process, as supplemental photographic evidence can corroborate the timeline of loss, provide additional context, and materially strengthen the overall claim presentation.
A ClaimAdvocate negotiator in a meeting with an insurance adjuster, discussing claim details and advocating for the client's best interests.
Expert Negotiation
Our experience in negotiations is rooted in years of contract negotiation, crisis negotiation within the emergency services field, and a proven ability to critically evaluate complex problems in real time. These experiences have shaped a methodical, outcome-oriented approach that translates directly into effective claim advocacy. Backed by Six Sigma training, we apply structured problem-solving and continuous improvement methodologies to each claim, recognizing that every loss is unique and requires a tailored strategy. Clients can rest assured that our approach is disciplined, data-driven, and always centered on their best interests, both strategically and financially.
Successful Resolution
We strive for a swift and satisfactory resolution that supports your financial recovery and allows you to restores your property as quickly as possible. Our role is to advocate for a fair settlement that reflects the full scope of your loss, without unnecessary delays or compromises. If an amicable resolution cannot be reached, we will guide you through the next appropriate steps, whether that involves invoking the appraisal process, engaging expert support, or exploring litigation. Throughout this process, you can expect clear guidance, honest recommendations, and support in determining the best path forward.

How Insurance Carriers Devalue Claims - And How We Protect You

Insurance carriers are known for using tactics that reduce the true value of your claim. This often includes overlooking the proper repair methodology to limit their financial exposure, issuing partial denials on items that are in fact covered, and generally minimizing the settlement owed to you.

Carriers frequently present a “feel-good” Replacement Cost Value (RCV) to make the offer appear fair, while quietly applying excessive depreciation. This results in an Actual Cash Value (ACV) payment that leaves homeowners unable to begin necessary repairs, causing financial strain at the worst possible time.

Our team steps in to stop this.


We meticulously prepare a comprehensive estimate, apply accurate and policy-appropriate depreciation, and present this documentation directly to the carrier. This establishes the correct claim value and ensures the depreciation applied is fair, reasonable, and consistent with the policy’s promise.

Too often we see carriers offer a strong RCV number, only to depreciate the claim so heavily that the ACV becomes unusable. We make sure that doesn’t happen to you.