Northstar Public Adjusting
Claim Disputes

When you and the insurance company don't agree

Most insurance claim disputes fall into a few common patterns. Here's what they look like and where to start resolving each one.

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Denied claims

The insurer refuses to pay, citing an exclusion, a coverage dispute, or a documentation gap.

Denied Claims

Underpaid claims

The insurer pays, but the settlement doesn’t cover the full, documented cost of the damage.

Underpaid Claims

Disputed estimates

You and the insurer disagree on the scope or cost of repairs — repair vs. replacement, materials, or labor rates.

Documenting Your Damage

Scope disagreements

The insurer’s inspection covers less of the property, or fewer damage causes, than the claim actually involves.

Claim Checklist

Not sure which one describes your claim?

Call us or request a free inspection — we'll review your claim and tell you exactly where it stands.