A low settlement is not something you have to accept
Accepting an insurance settlement does not always mean the amount was right. Settlements come in low for ordinary reasons: the scope of damage was assessed too narrowly, categories of loss were missed, or the policy's own provisions — like code-upgrade coverage or recoverable depreciation — were never applied. You have the right to question the number, and in many cases the right to a second opinion.
Signs your claim was underpaid
Repair estimates exceed the payout
Licensed contractors keep quoting more than the insurance company paid — often the clearest sign a settlement fell short.
Whole categories of damage were skipped
The scope covers the obvious damage but leaves out related losses: contents, water intrusion behind walls, smoke residue, matching materials.
Heavy depreciation
The payout was reduced sharply for depreciation, and no one explained how — or whether the policy entitles you to recover it after repairs.
Code upgrades left out
Repairs must meet current building code, which can cost more than like-for-like replacement. Policies often provide for this; settlements often omit it.
Pressure to close quickly
You were urged to accept and sign fast, before the full extent of the damage was known.
Your right to a second opinion
The adjuster who valued your loss works for the insurance company. A public adjuster works for you. UPA independently inspects the damage, documents the full scope of the loss — including what the first assessment missed — and where the settlement fell short, negotiates with your insurer to pursue the difference. Where appropriate, previously settled claims can be reopened and supplemented.
UPA is a 501(c)(3) non-profit public adjusting firm. We never take a penny out of a property or business owner's pocket — our fee is covered by the overhead and profit built into the insurance settlement itself.