Insurance Claim Denied or Underpaid?
We Dispute Denied Claims and Recover Underpaid Settlements. Licensed Public Adjusters.
A denial isn’t final. A low offer isn’t a cap. We document what insurers miss, dispute weak denials, and drive claims to settlement. Free claim review. No fee unless we recover money.
- Dispute denied claims
- Recover underpaid offers
- No fee unless we win
100% Free · No Obligation · Confidential
Free Claim Review
Free review of denied or underpaid claims
No Upfront Cost
We Don't Get Paid Unless We Win!
$700M+
Recovered Over Our Team's 15+ Years
7,000+
Claims Handled
15+ Years In Business
Almost Two Decades Fighting
Featured claim result
The carrier denied the claim. We recovered $532,141.
Denied Claim · Wind & Water
The carrier denied the claim, citing two engineering reports. We disputed both and pushed the file to a $532K settlement.
$33.6K
$532.1K
The carrier offered $33,621 after two engineering reports denied wind damage. Blueprint disputed both reports, documented the actual loss, and recovered $532,141. That is a 1,483% increase over the original offer.
"Frank Nunez did a good job of getting us more money than I expected. Frank worked for us, not the insurance company."
Verified Google Review
Additional case results
Real Recoveries on Denied and Underpaid Claims
Verified outcomes. What the insurance company offered versus what we recovered after disputing the claim.
What HappenedInsurance OfferedWe RecoveredOutcome
Denied High-Value Claim
Coastal home; carrier disputed coverage
Coverage Disputed
$1,318,196
Coverage secured
Underpaid Water + Mold
Multiple leaks; interior mold throughout
$35,829
$179,361
400% increase
Partial Denial / Underscoped
Carrier underscoped the loss; appraisal raised the award
$716
$28,518
3,879% increase
Effective Denial
Carrier paid pennies on the dollar; appraisal panel ruled
$1,483
$47,877
3,128% increase
Underpaid Commercial Wind
Carrier refused appraisal; we negotiated through
$1,410
$25,000
1,673% increase
Underpaid Water + Mold + ALE
Water, mold, and loss of use
$9,203
$70,257
663% increase
Past results do not guarantee future outcomes. Each claim is unique.
How it works
Filing a roof damage claim? Don't go it alone.
Insurance companies deny roof replacement claims every day. They cite “wear and tear,” “cosmetic damage,” or partial repair when the policy supports full replacement. Blueprint Claims represents property owners. Licensed public adjusters. We document, negotiate, and fight for the full payout you're owed.
The 4-step process
Step 01
Free Claim Review.
Filing a claim for roof damage? We'll document everything, negotiate with your insurer, and fight for the full payout you're owed.
Step 02
Roof Inspection For Insurance.
Our licensed adjusters perform a thorough roof inspection across all roofing types (flat, tile, shingle, metal), documenting damage the insurance company's adjuster may have missed.
Step 03
We Handle The Insurance Company.
We work with your insurance company. We fight for your settlement. And if we don't recover money for you, you don't owe us a dime.
Step 04
You Get The Settlement You Deserve.
For 15+ years, we've fought to maximize claim settlements. If we don't recover additional money for you, you owe us nothing.
Call Now: Free Roof Claim Review
Free Claim Review · No Upfront Cost · Only Pay If We Win
60 Minutes exposed what we see every day
Think Your Insurance Company Is Lowballing You? You're Probably Right.
A 60 Minutes investigation found insurance carriers were systematically altering damage reports, reducing payouts by as much as 98%. One property owner was owed $231,000. The insurance company offered $15,000.
The evidence
â–¶ 60 Minutes investigation
13 MIN
The fix
â–¶ Why hire a public adjuster from day one
1 MIN
Michael ZeboldSenior Public Adjuster
Why choose Blueprint for your claim
Why a public adjuster gets denied and underpaid claims paid.Built for disputes, denials, and lowball offers.
â–¶ Watch
Their adjuster vs yours
Their adjuster works for them.A public adjuster works for you.
Both are licensed. Both are called “the adjuster.” Only one is on your side.
On your side
Your Public Adjuster
Licensed. Works only for you.
- ✓Full inspection with drone, infrared, and on-site documentation
- ✓Documents the loss with photo evidence, weather data, and policy citations
- ✓Writes a complete estimate using the same software adjusters use
- ✓Documents secondary damage the insurance scope missed
- ✓Disputes denials and negotiates lowball offers up to full value
- ✓Only gets paid when you get paid
Not on your side
Their Insurance Adjuster
Works for the insurance company.
- ✗Spends 15 minutes on the inspection
- ✗Marks damage as “cosmetic” or “wear and tear”
- ✗Estimates partial repair when full replacement is warranted
- ✗Misses secondary damage the loss caused
- ✗Writes the denial letter or low offer that lands in your mailbox
- ✗Works for the carrier
VS
Denied and Underpaid Claims We Handle
From wrongful denials to lowball offers, residential to commercial.
- Denied ClaimsWrongful denials, “cosmetic damage” arguments, “wear and tear” defenses
- Underpaid ClaimsLowball settlements, partial scope estimates, missed damage
- Reopened ClaimsClosed files reopened when new damage is discovered or scope was incomplete
- Wind & Storm DamageHurricane, tornado, hail, and high-wind losses
- Water & Mold DamageRoof leaks, plumbing leaks, hidden moisture, mold
- Commercial & ResidentialBusiness property, business interruption, residential claims
Meet the team
Meet some of the adjusters.
A few of the licensed public adjusters on our team. When you call, you're connected with the adjuster who handles your claim from start to finish.
â–¶ Watch
Michael Zebold
Co-Founder & Senior Public Adjuster (SPPA)
Nearly two decades representing property owners in underpaid, delayed, and denied insurance claims.
â–¶ Watch
Arthur Camayd
Co-Founder, Licensed Public Adjuster & General Contractor
Brings hands-on construction knowledge to claim documentation, scope review, and insurer negotiations.
â–¶ Watch
Frank Nunes
Senior Public Adjuster
Recovered nearly $200,000 above the insurer's initial offer for one client. Known for detailed documentation and claim scope expertise.
â–¶ Watch
Tony
Public Adjuster, 7 Years at Blueprint
Extensive experience handling complex property damage claims. Known for thorough documentation and clear communication.
Local five-star reviews
Real reviews from real clients.
Blueprint Claims has earned five-star reviews from property owners we've helped with denied, delayed, and underpaid insurance claims.
T
Tony Rey
★★★★★
"Franklin Ayala and the team displayed amazing professionalism while handling my insurance claim."
I received over $50,000 to install a new roof due to storm and water damage.
N
Nadine Clarke
★★★★★
"Frank Nunez and Angel Camacho were absolutely amazing in helping me navigate the process of getting my roof claim approved."
I received a significantly higher payout than the initial offer, enough to properly repair my roof the right way.
C
Christian Villafane
★★★★★
"We are very grateful for Yasiel Ramirez who did an outstanding job in submitting a roof claim for us."
He handled the process professionally and conscientiously.
J
John Perez
★★★★★
"Aggressive adjusters with the insurance company. They tried to pay me $3,133 to fix my roof and Blueprint got me more than triple that amount."
Aggressive adjusters with the insurance company. They tried to pay me $3,133 to fix my roof and Blueprint got me more than triple that amount.
Claim Denied or Underpaid? Get a Free Claim Review.
Send us your denial letter or settlement offer. We'll tell you straight what your claim is worth. No obligation. Every day you wait is another day the insurance company hopes you'll give up.
✓ Claim Denied or Underpaid? · Free Claim Review · No Upfront Cost · Only Pay If We Win
Common Questions
About Denied and Underpaid Insurance Claims
Whether your insurance claim was denied, your settlement was underpaid, or you're considering disputing a low offer, these answers cover what you need to know about hiring a public adjuster.
Yes. A denial letter is not a final answer. It's the insurer's interpretation of your policy. We review the denial reason, document the damage properly, and file a formal dispute. Many denied claims are overturned when the loss is documented correctly.
We handle denied claims, underpaid settlements, and reopened files across most property losses. This includes wind, water, hail, fire, and storm damage on residential and commercial properties. If you have a denial letter or a settlement that feels too low, we'll review it free.
Depending on how long ago you accepted and what you signed, you may still have options. We've reopened claims after settlement when new damage was discovered or the original scope was incomplete. Send us your paperwork and we'll tell you straight what's possible.
The insurance company's adjuster works for the insurance company. Their job is to settle the claim for as little as possible. A public adjuster works for you. We document the loss, interpret your policy in your favor, and negotiate the settlement amount.
In most cases, insurers cannot drop you or raise your rates simply for disputing a claim or hiring a public adjuster. Filing a claim that should have been paid is your right under your policy. Specific rules vary by state and policy, so we'll walk through your situation on the call.
Deadlines vary by policy and state. The safest move is to have the denial or offer reviewed as soon as possible. The longer you wait, the harder it gets to gather fresh evidence and challenge the insurer's position.
Blueprint Claims works on contingency. You pay nothing upfront, and you only pay if we recover money for you. If we don't increase your settlement, you owe us nothing.
It depends on the insurance company and how strongly they push back. Some claims resolve in a few weeks. Denied or contested claims can take several months. We manage the entire process so you don't have to chase the insurance company yourself.