Denied & Underpaid Claims
Denied or underpaid? Understand your options.
Denied and underpaid claims are where technical representation earns its keep. RCO re-examines the loss, the language, and the math — then builds the documented case for what your policy actually owes.
How RCO Evaluates Your Claim
Documentation reopens claims. Argument does not.
Claim Denial Explanations
Denials lean on exclusions, conditions, and causation arguments written in dense policy language. We read the letter against the policy and the physical evidence to see whether the reasoning holds.
Policy Provisions
The policy is the contract. We examine the provisions the carrier cited — and the ones it did not — to establish what the policy actually promises.
Damage Documentation
Many denials rest on a thin inspection. We examine the property ourselves — roofing systems, moisture paths, fire behavior — to establish what the damage actually is.
Carrier Repair Estimates
Underpayments usually trace to a narrow scope: missed line items, patch-instead-of-replace logic, depreciated pricing. We put a number on the gap.
Scope Discrepancies
We compare the carrier's scope against what restoration actually requires, line by line, and document every discrepancy.
Repair Methodology
How damage is properly repaired is a technical question. We bring building-science and restoration-methodology analysis to that question.
Supporting Technical Evidence
Photographs, measurements, weather data, and system analysis — the evidence that turns an argument into a documented case.
An Honest Word
Policies carry deadlines. Denied claims carry options.
Not every denial can be reversed, and not every underpaid claim will receive additional payment — we will tell you candidly where yours stands. What we can promise is a thorough, technical evaluation before you accept the carrier's answer.
Every policy also sets clocks — for supplemental claims, for appraisal, for suit. A denial that arrived months ago may still be challengeable, but the window narrows with time. Bring us the denial letter, the estimate, and any inspection reports, and we will give you a straight answer.
Free Consultation
Send us the denial. We will give you a straight answer.
Tell us what was denied or underpaid and where things stand. If you have the denial letter and estimates, you can attach them through our secure client portal after we talk.