Claim Status

Underpaid Claim Assistance

Identify missing damage and pursue additional payment when your settlement falls short.

(833) 724-4376

No recovery, no fee · Licensed Florida adjusters

Joseph Aaron Soifer · Florida PA License #W868228

If your insurer paid something but the amount will not cover repairs, you may have an underpaid claim. We identify missing line items, code upgrades, and hidden damage, then negotiate for the balance you need to rebuild properly and pull permits.

Signs Your Claim Was Underpaid

Contractors quote more than the insurer allowed. Repairs cannot be completed for the settlement amount. Or damage in adjacent rooms was never scoped.

  • Settlement below licensed contractor estimates
  • Depreciation applied in ways that block real restoration
  • Omitted code upgrades, matching, or like-kind materials
  • Missed contents, additional living expense, or business interruption
  • Checks issued before interior or attic damage was investigated

Our Supplement and Negotiation Process

We re-inspect, document additional damage, and submit formal supplements with supporting estimates.

  • Line-by-line comparison between carrier and independent scopes
  • Moisture and tear-out documentation on water losses
  • Roof tear-off photos showing decking and underlayment conditions
  • Persistent follow-up until supplements receive a written response

When the Gap Is Permit-Driven

Underpayment often appears when the insurer priced patch repairs but your building department expects code-compliant restoration.

  • Flood-zone elevation or floodproofing work missing from the estimate
  • Roof systems scoped for repair when permitted replacement is required
  • Electrical, plumbing, and HVAC brought current during rebuild
  • Contractor affidavits showing why the carrier scope is insufficient
Our Simple Process

How Do We Get You the Highest Settlement Possible?

No Recovery No Fee. If we aren't successful, you owe us nothing.

  1. Step 01

    Contact Us

    Fill out our online form or give us a call. The application takes about five minutes; share basic claim details and you're on your way to the payout you deserve.

  2. Step 02

    Free Inspection & Analysis

    Our team schedules an on-site inspection. We document every detail, and often uncover damage you may have overlooked.

  3. Step 03

    We Go to Work

    We build a detailed Xactimate estimate, negotiate with your insurer, and handle mediation or appraisal. You stay informed 100% while we carry the workload.

  4. Step 04

    You Get Paid

    Settlement complete, you get paid. Repair, rebuild, or move on with control back in your hands and this claim behind you.

It's so easy to get started.

Start My Claim
Client Stories

Reviews for Underpaid Claim Assistance

Verified Google reviews from Florida policyholders who worked with our licensed public adjusters.

5.0 152+ Google reviews , rated 5 out of 5 stars. View on Google.
  • David J
    5 out of 5 stars

    Joe helped me tremendously after hurricane Milton damaged my roof pretty significantly. I tried to do it on my own and they gave me a lowball offer. A friend recommended him and I’m so glad that they did. He made the entire process seamless from start to bottom. I know everybody’s situation is a little bit different, but he made a very difficult process seamless. I would highly Joe!!!!

  • Nate Paul's
    5 out of 5 stars

    We run our business out of our home, specifically our garage. So when we had a tree fall through it during the last hurricane, it was imperative we get the damages fixed immediately so we didn't lose time or money. Unfortunately, insurance had a different idea. Our claim was severly underpaid even though their first adjuster assessed the damages correctly. When it hit the desk adjuster, the amount was reduced by over $30,000. We hired Your Claim Hero to deal with the insurance company and get the value we needed to make repairs and get our business back online. Within 3 months (maybe less) we had the check in hand that covered the cost of repairs because Joe and his team did such a great job covering every single angle that was needed. I can't recommend this company enough to anyone fighting insurance companies. He's extremely professional, communicative, and on top of everything!

  • Patricia L
    5 out of 5 stars

    Joe and his team worked tirelessly to get a claim processed for our business after hurricane Milton They did a great job and we are pleased with the outcome Would highly recommend Your Claim Hero

  • Ryan Eppes
    5 out of 5 stars

    Mr. Soifer is very professional and knowledgable. He was able to negotiate with the insurance company on our behalf and helped us get a new roof. We cannot thank him enough for all of his hard work and dedication to customer satisfaction!

  • Daniel Walters
    5 out of 5 stars

    Joe and his staff are extremely knowledgeable and helpful. Great customer service and experience in the field! Would 10/10 recommend for your insurance claim needs!

  • Daniel Bross
    5 out of 5 stars

    Joe and his team are excellent. He’s very informative and great at what he does. Don’t go into a claim without these guys by your side.

Frequently Asked Questions

How much does a public adjuster cost?

We work on contingency, so you pay nothing upfront. We are paid only when we recover additional funds for you. If there is no additional recovery, you owe us nothing.

Can you help if I already filed a claim with my insurer?

Yes. Many clients hire us mid-claim when the insurer's estimate seems low, delays drag on, or supplements are needed for damage that was missed.

I already cashed the check — can you still help?

Often yes, especially when you have not signed a release and additional damage or scope gaps are documented. Bring your estimate, photos, and permit plans if you have them.

How long does an underpaid claim take to fix?

Timelines depend on inspection access, supplement complexity, and carrier responsiveness. We keep the file moving with documented follow-up.

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