Insurance claim analysis
Insurance claim analysis for attorneys and public adjusters
When a property claim is denied, underpaid, or disputed, the gap between the public adjuster's estimate and the carrier's estimate is usually where the case is decided. We analyze that gap from a construction perspective and organize the results into a clear, fact-based presentation for counsel.
Our process
Collect both positions
The public adjuster's estimate, reports, and photos, and the carrier's estimate, adjuster or engineering reports, and correspondence.
Compare line by line
We identify where the estimates differ and why, based on how the work is actually built and repaired.
Build the fact base
Findings are organized into a presentation attorneys can use to support a suit or challenge a claim decision.
Answer the rebuttal
When the carrier responds, we review its rebuttal and provide additional facts.
Inspect when needed
If the documents leave open questions, we conduct a site inspection.
What the comparison addresses
Scope items omitted from the carrier's estimate
Quantity and measurement differences
Unit pricing and labor differences
Repair sequencing, tie-in work, and access requirements
Code upgrade requirements
Material matching and uniformity
Overhead and profit where a general contractor is reasonably required
Conclusions in carrier adjuster and engineering reports that conflict with construction practice
Software we work in
We prepare and review estimates in Xactimate, PlanSwift, and Craftsman's National Renovation & Insurance Repair Estimator. Working in the same platforms the carrier and the public adjuster use means our findings map line for line to the estimates already in the file, with quantities verified by takeoff rather than assumed.
Claim types
Hurricane and windstorm
Hail
Water intrusion and plumbing failures
Freeze damage
Fire and smoke
Commercial, multifamily, and residential properties.
Texas claims context
For weather-related claims, Chapter 542A of the Texas Insurance Code requires presuit notice that includes the amount alleged to be owed. A well-documented scope and estimate prepared early gives counsel a stronger foundation for that notice and for any later appraisal or litigation.