Less overlooked.
More clearly supported.
We work to connect the damage, repair scope and evidence so the claim reflects what can be documented. Your result depends on the policy and facts, not a sales promise.
Find the difference before naming a number
The amount on a check is not always the same as the carrier’s repair estimate. A review starts by separating the estimated repairs from deductions and previously issued payments, then comparing the actual proposed work room by room. We look for explainable differences supported by measurements and documentation.
What we focus on
Missing work
Compare affected surfaces, access work, removal and replacement steps against the carrier’s line items.
Unsupported quantities
Photos, dimensions and contractor scopes can help explain why a quantity needs another look.
Payment breakdown
Bring the estimate and payment letter together so we can identify the questions that remain.
What to bring to the review
- Complete carrier estimate
- Contractor scope or bids
- Payment letters and repair photos
A common question
Does a gap calculator show what I am owed?
No. It only compares entered numbers. Coverage, depreciation, deductibles and other policy terms require a separate review.
Underpaid roof claims
A roof payment can look settled and still leave the repair undone. Spot shingle replacement, missing steep or high charges, no tear-off, no flashing, and no code items are typical gaps. Actual cash value, depreciation, and a roof schedule, if the policy has one, should be visible on the estimate and the payment letter, not guessed from the check alone.
American Financial Claims lines the carrier’s roof estimate up against measurements and a repair proposal. A gap between two numbers is not, by itself, money owed. Coverage still has to be read. If hail, wind, or a hurricane opened the roof, use the roof claims page and the matching damage page. If the carrier denied the roof instead of paying it short, start with denied claims.
Call (239) 444-8101 before you sign a roofer’s assignment or treat the roof figure as final. Schedule a consult or ask for a free claim review.
Related claim help
Make the repair scope understandable.
A useful estimate explains the work, quantities and supporting evidence behind the claim.
Explore this page →Roof damage claims
Build the connection between the damaged roof, the proposed work and any interior effects.
Explore this page →Prepare the evidence for an amount dispute.
A detailed repair scope is central to evaluating whether appraisal is appropriate.
Explore this page →Questions about this claim
How do I compare the insurer’s estimate with the actual repair scope?
Compare room by room and line by line, including quantities, access, tear-out, matching, code-related work, contents and temporary protection. Keep the carrier estimate, payment breakdown and contractor documentation together.
What records support omitted work in an underpaid claim?
Dated photos, measurements, repair proposals, invoices, moisture readings, engineer or contractor notes and a clear timeline can help explain missing scope. The policy and facts still control whether an item is covered.
Can American Financial Claims review a claim after payment?
Yes. Bring the estimate, payment breakdown and available repair records for a free consultation. A review can identify questions about scope or documentation, but it does not guarantee an additional payment.
What does a public adjuster do on an underpaid claim?
A public adjuster represents the policyholder in documenting the loss, building a supported scope and presenting questions to the insurer. The work and fee should be explained in a written agreement before retention.
Why call American Financial Claims before accepting the first estimate?
The first estimate may not reflect later-discovered damage or the full repair sequence. Call (239) 444-8101 for a free consultation before signing a release or finalizing repairs when possible.