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Topic

Underpaid Claims

Underpaid claim discussions focus on scope gaps, estimate differences, below-deductible payments, matching, labor, materials, and supplements.

Discussions

3 educational scenarios.

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Composite example - not a real client story

Example: Matching or discontinued materials dispute

A carrier pays to repair part of a damaged area, but the policyholder says matching materials are discontinued or the repair will not match.

underpaid claims · Educational information only
Composite example - not a real client story

Example: Fire or smoke claim underpaid

A policyholder receives payment for fire or smoke damage, but the contractor estimate includes more cleaning, repair, or replacement work.

underpaid claims · Educational information only

Common positions and documents

Common insurer positions

  • Below deductible
  • Partial payment
  • Scope difference
  • Matching not owed

Documents often requested

  • Carrier estimate
  • Contractor estimate
  • Photos
  • Receipts
  • Policy