Your Insurance Carrier
Isn't Playing Fair?
Underpaid. Denied. Delayed. If your insurance company is shortchanging you on a property damage claim, you have options — and you don't have to fight alone.
Scan Your Scope of Loss Before You Fight
Upload your carrier's Scope of Loss and let AI flag every missing line item, underpaid charge, and omitted code upgrade — instantly.
Upload your Scope of Loss or payout summary — NOT your actual insurance policy. Your Scope of Loss is your 1st Payout Offer from your Carrier.
Types of Insurance Claim Disputes
Not all disputes look the same. Here are the most common ways insurance carriers try to minimize what they pay — and what you need to know about each one.
Underpayment
The carrier's scope of loss undervalues the damage, omits line items, uses outdated pricing, or ignores code upgrades. This is the most common dispute — and the one where experienced contractors recover the most money through supplements.
Claim Denial
The carrier denies your claim outright — blaming pre-existing damage, maintenance issues, or exclusions. Many denials are based on incomplete inspections. A second opinion from a contractor who knows what to document can reverse them.
Unreasonable Delays
Under Florida law, carriers must acknowledge claims within 14 days and pay within 90 days of filing. When they drag their feet, it's a tactic to wear you down. Don't let them.
Bad Faith Practices
When a carrier knowingly underpays, misrepresents policy terms, or fails to investigate properly, it may constitute bad faith under Florida Statute §624.155. This opens the door to additional damages beyond the claim itself.
Depreciation Holdback
Carriers pay ACV (Actual Cash Value) first and hold back Recoverable Depreciation until repairs are completed. Some make it intentionally difficult to recover that final payment. Know the process and your rights.
Lowball Engineering Reports
When a carrier disputes your damage, they send their own engineer. These reports often downplay damage. You have every right to get your own independent inspection — and you should.
What P1Mitigators Does For You
We're not public adjusters or attorneys — we're licensed contractors who know how to document damage, write Xactimate estimates, and submit supplements that get you paid.
Line-by-Line Scope Review
We compare the carrier's scope of loss against our own Xactimate estimate — line by line. Every missed item, undervalued repair, and omitted code upgrade gets documented.
Supplement Submission
We submit detailed supplements with photo documentation, measurements, and industry-standard pricing. This is where most of the money is recovered.
Independent Documentation
We attend inspections, document damage the adjuster missed, and provide our own professional assessment. Two sets of eyes — theirs and ours.
AI-Powered Analysis
Upload your scope of loss and our AI tool identifies common gaps, missing line items, and potential supplement opportunities instantly.
Steps to Fight Back
Follow these steps — in order — to protect your rights and maximize your claim recovery. Each step links to the exact resource you need.
Document Everything — Before You Call Anyone
Take photos and video of ALL damage from every angle. Date-stamp everything. Save receipts for temporary repairs (tarps, board-ups). This evidence is your foundation — without it, carriers can claim damage didn't exist.
File Your Claim with Your Insurance Carrier
Call your carrier and file a claim immediately. Florida law (F.S. §627.70131) requires them to acknowledge within 14 days. Write down the claim number, date of loss, and every person you speak with. Do NOT sign anything from the carrier yet.
Get a Licensed Contractor Inspection BEFORE the Adjuster Comes
The adjuster works for the carrier — they're paid to minimize what they pay you. Having a licensed contractor inspect first means you know what the damage actually is before the carrier's rep shows up. Two sets of eyes catch what one misses.
Attend the Adjuster Inspection — With Your Contractor
Never let the adjuster inspect alone. Your contractor should be there pointing out every damaged shingle, every missing flashing, every code upgrade the adjuster "forgot." Book the adjuster meeting on our calendar so we're there waiting.
Review the Scope of Loss — Line by Line
When the carrier sends the Scope of Loss, don't just look at the bottom number. Upload it to our AI tool and we'll flag every missing line item, undervalued repair, and omitted code upgrade. This is where carriers hide the money they owe you.
Submit Supplements for Every Missed Item
P1Mitigators writes Xactimate supplements in the same format carriers use — there's nothing for them to reject on technicalities. Over 85% of underpaid claims are resolved at this stage without involving a PA or attorney.
File a Complaint if the Carrier Violates the Law
If the carrier fails to acknowledge within 14 days, pay within 90 days, or acts in bad faith — file a formal complaint. Florida has specific agencies that investigate and penalize carriers who break the rules.
Escalate — Public Adjuster or Attorney if Needed
If supplements don't resolve it, a licensed Public Adjuster can negotiate directly with the carrier. For bad faith or wrongful denials, an insurance attorney may file suit. Florida law allows recovery of attorney's fees in successful bad faith claims.
Recover Your Depreciation — Don't Leave Money on the Table
Carriers pay ACV (Actual Cash Value) first and hold back Recoverable Depreciation until repairs are completed. Once work is done, submit the completion paperwork to recover that final payment. Some carriers make this intentionally difficult — don't let them.
When to Escalate
Most disputes are resolved at the contractor level. But if the carrier won't budge, here's the path forward.
Contractor Supplement
P1MitigatorsP1Mitigators submits supplements directly to the carrier. Over 85% of underpaid claims are resolved at this stage without involving a PA or attorney.
Public Adjuster
Licensed PAIf the carrier refuses to pay fair value after supplements, a licensed Public Adjuster can negotiate directly on your behalf. They typically charge 10-20% of the recovery.
Attorney / Litigation
Insurance AttorneyFor bad faith, wrongful denials, or significant underpayments, an insurance attorney may file suit. Florida law allows recovery of attorney's fees in successful bad faith claims.
Florida Law Protects You
Florida has specific statutes that govern how insurance carriers must handle property damage claims. Know the rules.
Insurer's Duty to Acknowledge & Pay
Carriers must acknowledge receipt of a claim within 14 days, begin investigation within 10 days, and pay or deny the claim within 90 days of filing. Violations can trigger bad faith claims.
Bad Faith by Insurers
If a carrier fails to attempt in good faith to settle a claim when it could and should have, the policyholder may bring a civil action for damages beyond the policy limits.
Contractor Limitations
Licensed contractors cannot act as public adjusters or negotiate claims on your behalf. P1Mitigators prepares documentation, writes Xactimate estimates, and submits supplements — we do not negotiate policy terms.
Deductible Requirements
Homeowners must pay 100% of their insurance deductible. Anyone absorbing, waiving, or discounting deductibles could face fines or felony charges. No exceptions.
These are general references — not legal advice. Consult a licensed attorney for your specific situation.
Related Resources
Important Disclaimers
P1Mitigators is NOT a Public Adjuster. We do not act in the capacity of a Public Adjuster as defined by the Uniformed Public Adjuster Practices Act (UPPA) or any state regulatory body. We do not negotiate insurance claims on your behalf, interpret policy language, or represent you to your insurance carrier.
No Legal Advice. Nothing on this page or website constitutes legal advice. The Florida statutes referenced are general summaries — consult a licensed attorney for guidance on your specific claim, dispute, or policy.
Scope of Services. Our services are limited to: property damage inspection and documentation, Xactimate estimating, supplement submission for additional identified damages, and project coordination with licensed contractors.
Deductible Requirement. Florida law requires that homeowners pay 100% of their insurance deductible. P1Mitigators does not waive, absorb, or discount deductibles under any circumstances.
*Note: In some cases, only a portion of your deductible will need to be paid — say in the case of a $750 tarp install or a $1,500 roof patch vs. your entire $2,000 deductible. Just that portion will need to be paid until you reach your full deductible amount. Also, always get and keep receipts of those deductible payments — your carrier will surely try to ignore them, making you pay it again on the main roofing or building claim when that's paid out.
Carrier Giving You the Runaround?
Call P1Mitigators. We'll review your scope of loss, identify what they missed, and tell you straight whether it's worth fighting for. No BS, no obligation.