If you’ve filed a property damage claim and feel like your insurance company didn’t pay enough, you’re not alone—and you don’t have to accept it. At McLaurin Law, we regularly work with homeowners facing lowball insurance payouts. Here’s what you can do.
Don’t Settle for Less Than You Deserve
Insurance companies often try to reduce their risk by underpaying legitimate claims. If your claim is worth $100,000, they might offer only $30,000—counting on the fact that you won’t push back. Too many homeowners accept these offers without ever speaking to an insurance attorney. That could cost you thousands.
Get an Independent Estimate
One of the most important steps you can take is getting a second opinion. Hire an independent adjuster or general contractor to provide a new, accurate estimate of your damages. This gives you leverage and a clear alternative to what your insurer is offering.
Request a Supplemental Claim
Submit your new estimate to your insurance company and request a supplemental payment. They may choose to pay more—or they might still deny the additional amount. If they refuse, that could expose them to a bad faith claim, which gives you even more legal options.
Talk to an Insurance Attorney
At McLaurin Law, we’re here to help when your insurance company isn’t playing fair. We offer free consultations and are happy to review your situation—even if you don’t end up hiring us. Our team is on standby and ready to help you fight for the full value of your claim.
Don’t let the insurance company shortchange you. Call McLaurin Law today and let us help you get what you’re owed.
