Public Adjuster Insurance Claim Recovery Support

Property Damage Case Studies:

Mold Damage Claim Case Study:

How Insurance Companies Try to Deny Mold Damage Claims:

If there’s one type of claim that drives people insane, it’s mold. It spreads fast, hides everywhere, and costs a fortune to clean up the right way. But try getting your insurance company to see it that way? Good luck.

Here’s what typically happens: you find mold under the sink, behind a wall, or maybe in your attic. You call your insurance company thinking, “This has to be covered.” But then the adjuster shows up, pokes around for 10 minutes, and gives you some version of: “This looks like long-term damage,” or “This wasn’t caused by a covered peril.”

Sound familiar?

Insurers love to label mold as a “maintenance issue.” Doesn’t matter if a storm blew your roof off and it rained for two days—they’ll say the mold grew because you didn’t clean it up fast enough. Or they’ll pull out some mold exclusion or sub-limit buried in your policy that caps your coverage at $5,000, even if cleanup’s going to run you three times that.

And here’s the worst part: most of the time, they don’t even check thoroughly. I’ve seen insurers send out field adjusters who don’t even take a moisture meter out of the truck. They’ll glance at the wall, take two photos, and decide it’s “not that bad.” Meanwhile, mold’s growing inside your walls, under your flooring, and in the HVAC system.

What We Do Differently as Public Adjusters for Mold Damage Claims:

When I step into a mold claim, I treat it like a health hazard—because that’s exactly what it is. My job isn’t to take the insurance company’s word for it. My job is to prove what really happened, how far the damage goes, and what it’s going to take to fix it right.

Here’s how we do it:

• We track the water first.
  Mold doesn’t show up on its own. Something caused it. A roof leak, a pipe burst, a slow drip behind the fridge—it always starts with water. We use moisture meters and thermal imaging to map out exactly where that water went. Once we show that the mold came from a sudden, covered event, the insurance company loses one of their favorite excuses.

• We bring in real experts.
  I don’t rely on the insurance company’s mold inspector. I hire independent industrial hygienists who know how to test air samples, swab surfaces, and write real remediation protocols. That way, we’ve got lab results to back up what we’re claiming—not just a gut feeling.

• We document everything.
  Every wall we open, every board that’s wet, every square foot of mold—we log it with photos, measurements, and line-item estimates. We don’t just say “mold in the kitchen”—we show it’s in the drywall, behind the baseboards, under the cabinets, and spreading up the wall cavity.

• We write the real repair scope—not the insurance version.
  Insurance companies love to approve minimal “clean and paint” jobs. That doesn’t cut it. We write the full protocol—containment, negative air pressure, HEPA scrubbing, demo, disposal, retesting, and rebuild. All by the book, following IICRC standards. If they push back, we show them exactly why that’s the only safe and acceptable fix.

• And if they’ve already lowballed or denied you? We fight it.
  Most mold claims don’t get paid properly the first time around. That’s just the truth. So we file supplements, we negotiate, and we push through the red tape until you get what it’s actually going to cost to fix the problem—not a band-aid payout.

Bottom line: mold claims are complicated, and insurance companies know it. They use that complexity to save money. I use it to hold them accountable. And I won’t stop until we get every dollar your policy owes you.

Hail Damage Claim Case Study:

How Insurance Companies Try to Deny or Downplay Hail Damage Claims:

Hail damage is one of those things that rarely looks like a disaster at first glance. It’s not a tree through your roof or a house underwater. Most of the time, it’s dings in your shingles, dents in your gutters, or cracks in your siding. And that’s exactly why insurance companies try to brush it off.

One of the most common lines we hear from carriers is: “It’s only cosmetic.” They’ll walk around your property, snap a few pictures, and tell you your roof is still “functioning.” Never mind the fact that the granules have been knocked off, shingles are bruised and cracked, or the seal tabs have lifted. These “minor” issues open the door for leaks months down the line—and they know it.

Another tactic? Delayed inspections. After a hailstorm, many homeowners are so focused on cleanup or getting back to normal that they don’t file a claim right away. Insurance companies use that delay to say the damage came from an “older event” or wasn’t storm-related at all. Sometimes they even pull satellite data or weather reports to back it up. If they can’t blame it on aging or wear and tear, they’ll try to say it’s not “significant enough” to trigger coverage.

Also—be wary of the adjuster who walks around your property, glances at the roof from the ground, and says everything looks “fine.” If they’re not on the roof or documenting every face of the structure, they’re not doing a real inspection. And guess what? That’s often intentional.

What We Do Differently as Public Adjusters for Hail Damage Claims:

It’s very common to see hail claims where the insurance company either missed or ignored obvious damage. It’s frustrating, but also fixable—if you know how to push back. That’s where we come in.

Here’s what we do differently:

• We get on the roof
  No guesswork from the ground. We inspect every plane of the roof—north, south, east, west—and look for bruised shingles, missing granules, creased tabs, impact marks on flashing, and damage to vents, skylights, and ridge caps. We use chalk tests, zoom lenses, and side lighting to show the marks clearly.

• We check more than just the roof
  Siding, gutters, downspouts, window screens, metal trim, outdoor lights, HVAC units—hail doesn’t hit in one place. We build a complete damage report so that nothing gets left out. If hail cracked your window trim or dinged your AC fins, that’s part of your claim.

• We bring in third-party experts when needed
  If the insurance company says it’s just cosmetic, we bring in roofing contractors, engineers, or HAAG-certified inspectors to back us up. We show them how that “small ding” compromises the lifespan of the material and puts the whole system at risk.

• We fight scope and pricing
  Sometimes the insurance company agrees to pay but only approves repairs—not a full replacement. Or they use outdated pricing that doesn’t reflect today’s material and labor costs. We don’t just get the damage acknowledged—we make sure the payout reflects what it’s actually going to cost to fix the problem.

• We make sure they follow building code
  In many areas, code requires things like full roof replacements if a certain percentage is damaged, or upgraded materials (like ice & water shield or drip edge). We know local requirements and ensure those are factored into the claim—even when the insurance company "forgets" to mention them.

Here’s the truth: insurance companies count on homeowners not knowing what hail really does to a property. It might not look bad today, but a year from now? You could be dealing with leaks, mold, or structural rot—and by then, the claim’s closed.

We don’t let that happen. We document the damage fully, hold the carrier accountable to what your policy actually covers, and make sure the repairs aren’t just done—but done right.

Water & Flood Damage Claim Case Study:

How Insurance Companies Try to Deny or Downplay Water Damage Claims:

Water damage can look deceptively simple—until you start pulling things apart. What starts with a puddle can lead to soaked subfloors, ruined drywall, warped cabinets, and mold deep in the structure. But getting insurance to cover the full scope? That’s where the real trouble begins.

Here’s the first game insurance companies play: they try to label the damage in a way that excludes coverage.

• If water came from outside, they may call it “flood damage,” which most standard homeowner’s policies don’t cover.

• If it came from a broken pipe inside your walls but dripped slowly, they’ll call it a “maintenance issue” or “long-term seepage.”

• If it backed up through a drain, they’ll check whether you have a special rider for that.

And just like that, you’re stuck with a denial—or at best, a minimal payout.

Next, they’ll try to downplay how much damage there really is. If water ran through your home for hours, you can bet it went further than what’s visible. But unless you have a pro doing moisture mapping or pulling back layers, most insurers will only approve drying and repairs in the areas that are clearly soaked.

They also cut corners with mitigation. Insurance companies often work with preferred vendors who are told to “keep it minimal.” So instead of removing all affected drywall or properly drying structural cavities, they do the bare minimum to make it look dry and move on—leaving behind hidden moisture and long-term damage.

And don’t forget pricing. Some insurance scopes still list fans and dehumidifiers at outdated rates or limit them to 2–3 days—even when drying the area safely takes longer. They’ll also skip things like baseboard removal, antimicrobial treatment, or follow-up moisture testing—all of which should be part of a legitimate restoration job.

What We Do Differently as Public Adjusters for Water Damage Claims:

When we’re brought in for a water or flood damage claim, we don’t stop at what’s visible. We treat every case like a potential health and safety hazard—and we document it thoroughly, inside and out.

Here’s how our team approaches it:

• We identify the source—and build a timeline
  Insurance adjusters love to say water damage is “gradual” or due to lack of maintenance. So we get ahead of that. We document when the event happened, what caused it (pipe burst, appliance failure, storm runoff, etc.), and tie it back to specific policy language. Whether it was a one-time event or a covered water loss, we make the case airtight.

• We use moisture meters, thermal imaging, and professional drying standards
  We don’t guess how far the water went—we prove it. Our tools show where moisture has traveled, including into insulation, behind cabinets, and under flooring. We photograph and log these findings so there’s no debate about what needs to be removed or remediated.

• We write a scope that reflects what it actually takes to make the property safe and whole again
  That includes demolition of affected materials, drying with industry-standard equipment, antimicrobial treatment, air scrubbers if mold is a concern, and full rebuild of whatever was removed. We follow IICRC S500 standards—the same ones your restoration company should follow, but often don’t if the insurance company is rushing them.

• We push back on coverage exclusions and policy limits
  If your insurance company is trying to call indoor water a “flood,” we look at what the policy defines as flood versus surface water versus accidental discharge. Sometimes what looks like a flood to them isn’t, legally—and we’ve reversed many denials by proving the carrier misclassified the event. Same goes for drain backups, slab leaks, and other borderline scenarios.

• We include secondary damage and hidden risks
  Wet electrical outlets, insulation that can’t be dried, moisture behind tile, or vapor barriers that need replacement—these are the things that insurers love to skip. We don’t. We list every detail and tie it back to how it impacts your safety, structure, and long-term costs.

Here’s the reality: water and flood claims often get lowballed or denied not because the damage isn’t real—but because insurance companies are betting you won’t know how deep it goes. We do. And we make sure nothing gets missed, rushed, or cheapened.

Whether it’s a one-time leak, a burst pipe, or several inches of standing water, we’ll help you navigate the policy language, document the full scope of loss, and fight for every bit of coverage you're entitled to—no shortcuts.

Wind & Tornado Damage Claim Case Study:

How Insurance Companies Try to Deny or Downplay Wind Damage Claims:

Wind and tornado damage claims are some of the most aggressively disputed by insurance companies—not because the damage isn’t real, but because a lot of it isn’t immediately obvious. If your home is still standing and the roof isn’t missing in chunks, most carriers will try to write it off as “minor” or “superficial.” We’ve seen them close claims after ten-minute walkarounds, claiming there’s “no functional damage,” while shingles are flapping in the wind and the roof decking is compromised underneath.

Here’s one of the classic moves: the adjuster will walk the perimeter of your home, maybe fly a drone overhead, and if they don’t see blown-off shingles or structural collapse, they’ll say everything is fine. What they won’t check?

• Shingles that lifted and resealed, which may now be loose and prone to leaking

• Ridge caps, flashings, or vent boots that were stressed or partially detached

• Microfractures in siding, windows, or soffits

• Roof sheathing that’s now flexing or partially pulled from the trusses

Tornadoes and straight-line winds don’t just rip things off—they stress and weaken everything they touch. Trusses can shift. Fasteners can pull loose. Roofs can look intact but fail in the next storm because the integrity was already compromised. But unless there’s a gaping hole, insurance companies typically won’t acknowledge any of it.

They also love to chalk things up to “age-related wear and tear.” Even when wind is the obvious cause, if your roof is over 10–15 years old, they’ll try to say the damage was already there—or that the storm just “made existing issues more visible.”

And if you don’t file immediately? They’ll question the date of loss, ask for unnecessary documentation, or argue that you “failed to mitigate,” all as ways to reduce your payout or deny the claim outright.

What We Do Differently as Public Adjusters for Water Damage Claims:

When our team is brought in after wind or tornado damage, we’re not just trying to get a claim paid—we’re making sure it reflects the actual damage, not just what’s visible from the ground.

Here’s how we approach it:

• We do a full inspection—roof to foundation
  We don’t just walk around and snap a few photos. We check the roof from multiple angles, get inside the attic, look under eaves, inspect siding, gutters, windows, and mechanicals. We’re looking for signs of uplift, shingle displacement, sheathing movement, and even water intrusion that came after the wind event. If there’s damage, we find it—and document it in ways that hold up against insurance pushback.

• We document wind patterns and match storm data
  We cross-reference NOAA and radar data to match wind speeds and storm tracks to your location. When adjusters claim the wind “wasn’t that strong,” we show them the facts: gust speeds, damage reports in the area, and how it aligns with the damage on your property. We’ve overturned denials this way more times than we can count.

• We bring in specialists when needed
  If there’s structural movement, decking separation, or shifting of load-bearing elements, we bring in licensed engineers or HAAG-certified roof inspectors. Their professional reports are difficult for insurers to ignore—and they help prove that even seemingly “minor” damage has serious long-term implications.

• We hold the carrier to code upgrades and manufacturer guidelines
  Most insurance scopes don’t account for code-required replacements, like ice & water barriers, ridge ventilation, or underlayment upgrades. We know your local building code, and we make sure it’s followed. If your roof system is compromised, partial repairs often void the warranty. We include manufacturer guidelines that call for full replacement—especially when the system has been compromised.

• We manage the claim through the entire negotiation process.
  Insurers often try to settle wind and tornado claims with one quick payout. We don’t let them. We stay involved from first notice of loss through final settlement, challenging lowball scopes, supplementing for anything missed, and pushing back when they try to skip out on legitimate repairs.

Here’s the bottom line: wind damage doesn’t always look like destruction—but it weakens your home’s defenses in ways that can cost you big later on. Insurance companies rely on that subtlety to downplay claims, delay payments, or dodge responsibility.

We make sure the full impact is brought to light—and that your repairs meet the standards you deserve, not just what the insurance company is willing to pay for.

Hurricane Damage Claim Case Study:

How Insurance Companies Try to Deny or Downplay Hurricane Damage Claims:

Hurricane claims are among the most complex—and frustrating—types of property damage cases out there. Not because the damage is hard to see. Quite the opposite. It’s usually everywhere. Roofs blown off, water pouring in from multiple points, windows shattered, entire rooms soaked, and personal belongings destroyed. The problem is, insurance companies don’t treat it like one disaster—they try to split it into several, and pay less for each piece.

One of the first tricks we see with hurricane claims is the wind vs. water strategy. If the wind rips off your roof and rain pours in, the carrier may cover it. But if floodwaters enter through the door—even if the storm is what caused it—they’ll try to deny it unless you have a separate flood policy. They'll pick apart the damage and assign it to whatever coverage benefits them most. We’ve seen them deny ceiling collapse repairs because they claim “the water source wasn’t clear.”

Another common issue: they use multiple deductibles. Some homeowners are shocked to learn that hurricane deductibles are different than standard ones. They're often a percentage of the insured value of the home, not a flat amount—and they’re applied separately for wind and flood. That can instantly wipe out your payout, especially if your damage gets split between multiple categories.

Then comes the scope of repairs. Insurance adjusters may show up with limited time and barely assess the real damage. You may get a short estimate that covers a tarp, some drywall, and minor roof repairs—ignoring things like electrical systems affected by water intrusion, insulation, HVAC damage, hidden mold, or code-required upgrades. Worse, they may approve patches when replacement is clearly needed.

And if you're a business? Expect even more pushback. Business interruption claims following a hurricane are often delayed or underpaid, with insurers questioning when the “interruption” started or ended—even while you’re literally operating out of a shell of a building.

What We Do Differently as Public Adjusters for Hurricane Damage Claims:

When a hurricane hits, the damage isn’t just on the surface—it’s layered, and it’s serious. We treat it that way. We know how insurance companies operate during catastrophe events, and we’re not intimidated by tight timelines, flood zone disputes, or complex policy language.

Here’s how our team handles these claims:

• We treat wind and water as part of the same event—because they are
  We work with engineers and mitigation experts to determine exactly how the damage occurred. If water came in through a damaged roof or shattered window, we prove the wind caused the breach—and that it’s covered under your homeowner’s or commercial policy. We’re precise in our documentation so the carrier can’t conveniently “blame the flood” to dodge responsibility.

• We break down policies—line by line
  Most people don’t realize that policies can have overlapping or conflicting language. We do. We review every clause, rider, and exclusion in your policy (including flood insurance, if applicable) and build a claim that accounts for how each one should apply—not just how the insurer wants to interpret it. And if we find errors or contradictions in how they calculated deductibles or applied depreciation? We call them out.

• We document damage thoroughly—inside, outside, top to bottom
  We use thermal imaging, moisture mapping, and detailed inspections to capture everything the storm affected—not just the parts the adjuster could see in one visit. That includes water inside walls, mold growth behind cabinetry, wind damage to roof trusses, and debris impacts on structural elements. Nothing gets left off our report.

• We scope the full repair—not just cosmetic patches
  A proper hurricane repair includes roof replacement, drywall, insulation, flooring, electrical components, HVAC, ductwork, cabinetry, baseboards, contents cleaning or replacement, and often code upgrades. We make sure the repair estimate reflects the full cost to restore the home—not a half-hearted patch job to close the claim.

• We handle business and personal property claims as part of the big picture
  For homeowners, that means inventorying all damaged personal property—furniture, electronics, clothing, tools—and fighting for replacement cost. For businesses, that includes calculating lost revenue, handling equipment loss, and documenting downtime in a way that satisfies insurance audit teams.

• We stay involved until the final check clears
  Hurricane claims aren’t fast. That’s the truth. But we stay in the fight until the job is done. Whether it takes one month or six, we manage follow-ups, handle supplements, negotiate every line item, and make sure your claim isn’t forgotten in the backlog of catastrophe claims.

Here’s the real story: hurricanes don’t just damage your home—they upend your life. And while you’re trying to get back on your feet, the last thing you need is an insurance company cutting corners or playing games.

We take that pressure off your shoulders. We deal with the adjusters, read the fine print, and get the scope and payout you actually need to recover—not just what they think they can get away with paying.

Business Disruption Damage Claim Case Study:

How Insurance Companies Try to Deny or Downplay Business disruption Damage Claims:

Losing physical property in a disaster is one thing. But when your business stops cold—no revenue coming in, expenses still piling up—it’s a different kind of pain. And unfortunately, business interruption (BI) claims are some of the most delayed, denied, and disputed in the entire insurance world.

Insurance companies often say they “understand” the urgency of getting you back up and running. But their actions say otherwise.

One of the first tactics they use? Challenging the cause of the disruption. They may agree there was storm damage, a fire, a cyberattack—but they’ll argue about what actually caused you to shut your doors. If the building next door had power restored faster, they may ask why you couldn’t resume operations immediately. If the damage happened in part of your building, they may claim you could’ve kept running from another area.

Another big hurdle is how they calculate your lost income. Insurers want to look at last year’s numbers, subtract your typical expenses, and give you a round figure. But that doesn’t account for seasonal trends, contract losses, canceled future orders, or ongoing operational costs you still had to cover—like rent, salaries, or delivery delays. The more nuanced your business is, the more they struggle to capture it accurately—and the more they underpay.

Then there’s the timeline issue. Insurance carriers love to argue over when your “period of restoration” should’ve ended. They might say you could’ve reopened a week after cleanup, even if contractors were still finishing repairs or your supply chain was shot. They’ll say your losses stopped when you opened the doors—even if sales were 30% below normal for the next three months.

And for good measure, they’ll slow the process down with requests for endless documentation: tax returns, P&Ls, payroll records, bank statements, vendor invoices. All while you're just trying to keep your staff paid and keep customers from walking away.

What We Do Differently as Public Adjusters for Business Disruption Claims:

We’ve worked with all types of businesses—retail shops, restaurants, property managers, manufacturers, eCommerce sellers, and more. Every one of them had the same experience: they were on the ropes after a loss, and their insurance company wasn’t moving fast enough (or fairly enough) to get them back on their feet.

Here’s how we handle BI claims from start to finish:

• We identify and document the cause of loss clearly
  Whether the shutdown came from a hurricane, flood, fire, cyberattack, or even damage to a neighboring property, we tie it directly to a covered peril in your policy. That’s key. If the insurer can’t clearly link the disruption to physical damage or loss, they’ll use it to reject the BI claim altogether. We make that link airtight.

• We calculate your losses with precision—not rough estimates
  Our team works with forensic accountants who specialize in business interruption analysis. We look at sales records, revenue trends, seasonal patterns, customer contracts, recurring orders—whatever it takes to reflect what your business actually lost. We also factor in extra expenses, like renting temporary space or paying overtime to speed up recovery.

• We define the “period of restoration” based on reality, not insurance theory
  Insurers love to say you could have reopened sooner. We show why you couldn’t. We document delays in permitting, contractor availability, supply chain issues, or lingering repairs. If your business wasn’t back to 100%, we fight to extend your loss period accordingly.

• We handle the back-and-forth, so you don’t have to
  When insurers ask for endless records and “clarifications,” we respond. We organize the data, prepare reports, and challenge their calculations line by line. If they try to cherry-pick months or exclude peak seasons from their analysis, we correct the record with facts—not fluff.

• We ensure the full picture is covered—including payroll, inventory loss, and reputational harm
  If your staff had to be let go, if inventory was lost during shutdown, or if your brand took a hit with customers, we include that in the claim. Business interruption is more than just lost sales—it’s about what it truly costs to bounce back. And that’s the number we fight for.

At the end of the day, you pay premiums so that when disaster hits, your business can survive. But when you actually need that help, the insurance company turns into your biggest obstacle.

That’s why we’re here—to take that fight off your plate and make sure the value of your time, effort, and livelihood is fully recognized in your settlement. No shortcuts. No excuses. Just real recovery.

Theft and vandalism Damage Claim Case Study:

How Insurance Companies Try to Deny or Downplay Theft and vandalism Damage Claims:

Theft and vandalism claims are personal. Someone breaks in, steals your property, or destroys something you’ve worked hard for—and then you’re hit with a second gut-punch: the insurance company starts treating you like you’re the one who did something wrong.

We’ve seen this pattern time and again. The claim process doesn’t begin with concern or urgency—it starts with suspicion. The questions pile up fast:

• Did you lock the doors?

• Do you have proof of ownership?

• Are you sure this isn’t someone you know?

• Do you have a police report? Receipts? Serial numbers?

• Was the alarm system working? Where’s the footage?

And the longer they ask questions, the more time they buy to delay or undercut the claim.

Another common issue is depreciation. Even if your policy includes replacement cost coverage, insurers often default to actual cash value first. That means they’ll take the original value of what was stolen or destroyed—tools, equipment, electronics, signage, furniture—and reduce it based on age and wear. Suddenly, a $4,000 stolen camera becomes a $1,000 payout.

In vandalism claims, insurers love to call the damage “superficial.” Spray-painted walls, broken signage, shattered windows, dented siding—things that are clearly disruptive and costly—get labeled as “aesthetic” or “minor.” And in business cases, they often exclude lost income tied to temporary closures or reputational harm unless you specifically fight to include it.

And if you didn’t keep receipts or serial numbers? That’s when the real pushback starts. The burden of proof falls entirely on you—at a time when you’re already dealing with cleanup, repair logistics, and the emotional toll of being violated.

What We Do Differently as Public Adjusters for Theft and Vandalism Claims:

When we step in on a theft or vandalism claim, our job is to flip the power dynamic. You're not the one on trial—the insurance company is. And we make sure they treat you that way.

Here’s how we approach these cases:

• We immediately assess and document every bit of the damage
  From broken locks and kicked-in doors to stolen equipment, damaged interiors, and missing inventory—we get it all down. Photos, video walkthroughs, contractor estimates, and police report tie-ins. We don’t rely on what the adjuster thinks is important. We document everything that impacts your property and business.

• We reconstruct your losses with or without receipts
  It’s common not to have every receipt or serial number—especially for older tools or business assets. So we use alternate proof: photos from your website or social media, vendor invoices, credit card transactions, inventory logs, and witness statements. We’ve successfully recovered thousands of dollars in losses using backup documentation the insurance company initially said “wasn’t good enough.”

• We push for replacement cost, not depreciated value
  If your policy includes replacement cost (and most do if written properly), we hold them to that. That means if a laptop was stolen that cost $1,500 to replace, you get $1,500—not some discounted amount based on how old it was.

• We account for business interruption, even in short-term closures
  If the theft or vandalism caused you to shut down, reschedule clients, or lose income from missed appointments, we calculate that loss and build it into the claim. Even if you were only closed for a few days, that lost time adds up—and your policy should reflect that.

• We challenge vague denials and stall tactics
  When insurers use phrases like “insufficient proof” or “unable to verify,” we ask for specifics—and we counter them with real evidence. We also track all communication to make sure deadlines are met and that your claim doesn’t get pushed to the bottom of the pile.

• We guide you through police report filing and property recovery procedures
  Many people don’t know the police report alone isn’t enough—or that certain types of information (like damages discovered after the fact) can be added to it. We walk you through what the report needs to include and how to revise it if more losses are discovered later.

Theft and vandalism claims aren’t just about property. They’re about your sense of security. Your trust in people. Your time, your business, your money.

Insurance companies shouldn’t make that harder than it already is. We step in to make sure you’re believed, backed up with hard evidence, and paid what you’re truly owed—not what the insurance company feels like offering.

Cyber Attack Damage Claim Case Study:

How Insurance Companies Try to Deny or Downplay Cyber Attack Damage Claims:

Cyber attacks don’t just disrupt business—they flip it upside down. One day you're operating normally, the next your systems are locked, your customers' data is compromised, and your reputation is on the line. You turn to your cyber insurance policy—the one you’ve been paying for—and that’s when the real headache starts.

The first thing insurance companies do? Look for a technicality.

• They’ll say the breach was due to “user error” and not covered.

• They’ll claim it was a form of social engineering that your policy doesn’t include.

• Or they’ll argue the attack started before your policy period—even if you only discovered it last week.

Some policies require very specific conditions to be met—like notifying the carrier within 24 or 48 hours of a breach, even if you're still trying to figure out what happened. Miss that window? They might deny the claim outright.

Then comes the scope limitation. Carriers often try to split hairs between what counts as “first-party” versus “third-party” losses. They’ll pay for forensic IT services but not legal fees. They’ll cover some data restoration costs but not business interruption. We’ve even seen them push back on ransomware payments by citing federal regulations, or claim reputational harm doesn’t qualify as a real financial loss.

And if your documentation isn’t airtight? They'll say, "We can’t validate the financial impact." Even though you’ve lost revenue, spent thousands on IT vendors, and are fielding customer complaints in real-time.

The bottom line? Cyber claims get treated like an audit—not an emergency. And insurance companies are betting you won’t know how to fight back.

What We Do Differently as Public Adjusters for Cyber Attack Claims:

We’ve seen firsthand how chaotic and stressful cyber attacks are. Our role isn’t just to help you recover your losses—it’s to translate technical damage into an insurance claim they can’t ignore and ensure your policy does what it was designed to do.

Here’s how we handle cyber claims differently:

• We work closely with your IT team or security vendor to document the breach
  We gather logs, timelines, system reports, and forensic data to prove what happened, when it started, and how it spread. If the insurer tries to blame an employee clicking a bad link or leaving a device unsecured, we demonstrate how the attack exploited vulnerabilities—even ones covered under your policy.

• We break down the entire cost of the incident—line by line
  That includes downtime, lost sales, customer refunds, emergency vendor contracts, software reinstallation, data recovery, legal fees, breach notification costs, PR help, and more. If you had to bring in specialists or offer identity protection to customers, we make sure those expenses are included.

• We fight for full business interruption coverage
  Many insurers try to argue that your “period of restoration” ended as soon as the system rebooted. We prove that your operations were still disrupted long after that. We calculate the actual downtime and lost revenue based on customer churn, delayed projects, unfulfilled orders, and drops in traffic or conversion.

• We push back when the carrier says the incident falls under an exclusion
  We’ve dealt with policies that exclude “nation-state actors” or “phishing,” even when those are exactly the tactics used in the attack. We bring in cyber legal experts and threat intelligence where needed to contest vague or unreasonable exclusions.

• We manage the compliance and documentation piece start to finish
  Cyber claims often involve notifying customers, regulators, vendors, and sometimes even the media. We help make sure every communication, every invoice, and every timeline is documented clearly to support the claim. If the insurer says, “We didn’t get enough detail”—we’ve already got it waiting in a report.

Cyber insurance is supposed to be a safety net. But when an attack hits, it can feel like you’re being penalized for being a victim. That’s not acceptable—and we don’t let it slide.

Our job is to stand between you and the chaos. To take over the fight. To speak the language of cybersecurity, business operations, and policy coverage—so you don’t have to.