Insurance Policy Review
Your insurance policy is a contract. We make sure you collect everything it promises.
Overview
An insurance policy review is a detailed, line-by-line analysis of your property insurance policy conducted by a licensed public adjuster to identify every applicable coverage, endorsement, and provision that applies to your loss. Most policyholders read their declaration page and stop there — missing critical coverage that could add tens or hundreds of thousands of dollars to their settlement. The average commercial property policy runs 80 to 120 pages of dense legal language, exclusions, conditions, and endorsements. Residential policies are shorter but no less complex. Insurance companies count on the fact that most people do not fully understand their coverage. We do. Our adjusters have reviewed thousands of policies across every major carrier, and we know exactly where to look for coverage provisions that others overlook — from ordinance-or-law coverage and debris removal to extended replacement cost and business interruption provisions.
What coverage provisions do policyholders miss most often?
In our experience, the most frequently overlooked provisions include: ordinance-or-law coverage, which pays for code upgrades required during repairs; extended replacement cost, which can add 25% to 50% above your dwelling limit; debris removal coverage, which is often sublimited but can be substantial on large losses; additional living expense or loss-of-use coverage, which pays for temporary housing and increased costs while your property is being repaired; and matching coverage, which requires the insurance company to replace undamaged materials that no longer match the repaired sections.
On commercial policies, business interruption and extra expense coverage are routinely undervalued or ignored entirely. We have recovered six-figure business interruption settlements on claims where the initial insurance company estimate included zero dollars for lost income.
How does a policy review increase your settlement?
Every insurance claim is governed by the specific language in your policy. When we identify a coverage provision that applies to your loss, we build that into your claim documentation and estimate. The insurance company is contractually obligated to pay for covered losses — but they will not volunteer coverage you did not claim.
For example, if your roof is damaged and your policy includes ordinance-or-law coverage, you may be entitled to a full roof replacement to meet current building codes even if only a portion of the roof was physically damaged. Without identifying that provision, you would receive a partial repair payment and pay the code-upgrade costs out of pocket. Our policy reviews routinely add 15% to 40% to the total recoverable amount on a claim.
What about exclusions and limitations?
Understanding what your policy does not cover is just as important as knowing what it does. We review every exclusion, sublimit, and condition to give you a clear, honest picture of your coverage before we file the claim. If a particular type of damage is excluded, we tell you upfront rather than letting you discover it after months of negotiation.
We also look for exclusions that the insurance company may apply incorrectly. Cosmetic damage exclusions on metal roofs, earth-movement exclusions applied to non-seismic events, and wear-and-tear denials on clearly storm-related damage are all examples of exclusions that carriers sometimes misapply. Knowing the boundaries of your policy allows us to push back effectively when a denial is not supported by the policy language.
When should you have your policy reviewed?
Ideally, you should have your policy reviewed before a loss occurs — during your annual renewal — so you understand what you are paying for and can request endorsements to close gaps. But most people come to us after damage has already happened, and that is perfectly fine. We review your policy as the first step in handling your claim, ensuring we build the strongest possible case from day one.
If you have a current claim that feels like it is being underpaid, a policy review can reveal coverage your insurance company is not applying. Contact us for a free claim review and we will tell you exactly what your policy should be paying.
Our Services
How else can we help with your claim?
01
Property Damage Inspections
Comprehensive on-site assessment of all property damage to build the strongest possible claim.
03
Claim Preparation & Documentation
Detailed documentation and professional claim preparation to ensure nothing is missed.
04
Cost Estimating
Accurate repair and replacement cost estimates using industry-standard tools and methods.
05
Insurance Negotiation
Aggressive, professional negotiation with insurance companies to fight for what you deserve.
06
Denied & Underpaid Claims
Reopening, supplementing, and fighting underpaid or wrongfully denied insurance claims.
Get Started
Have property damage? Let's talk.
Get a free claim review and find out how much more you could be entitled to.
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