Denied or Underpaid Claims 

🧾 Insurance Claim Denied or Underpaid?

Don’t Give Up — We Reopen and Fight Claims for Pennsylvania Homeowners

Too many homeowners feel defeated after getting a denial letter or a payout that doesn’t even cover half the damage. But a denial doesn’t mean it’s over. In fact, it might just mean you need an expert on your side.

At Panzarella Public Adjusters, we’ve helped homeowners across Bucks County, Montgomery County, and beyond recover tens of thousands of dollars on claims that were originally denied or severely underpaid.

🧠 Why Claims Get Denied — and Why That Doesn't Mean They Should Be

Insurers deny or lowball claims for reasons like:

• “Wear and tear” vs. sudden damage

• Incomplete or vague documentation

• Missed deadlines

• Undiscovered damage

• Misinterpretation of your policy
  
  

Most denials or low settlements aren’t about fraud — they’re about missing detail, missing damage, or misused language. That’s where we come in.

🔍 What We Do When You’ve Been Denied or Underpaid

✅ Review the original denial or low settlement letter
✅ Reinspect the entire property (inside and out)
✅ Use tools like moisture meters, infrared cameras, and industry pricing software
✅ Cross-check your insurance policy line by line
✅ Prepare a detailed damage estimate and rebuild scope
✅ Submit a formal rebuttal or supplement
✅ Negotiate directly with the insurance company

You don’t pay us unless we recover more for you.

🏠 Real Case: Denied Claim → $41,000 Recovery in Montgomeryville

A Montgomeryville homeowner came to us after their smoke and water damage claim was denied — the insurance company claimed the damage was “cosmetic” and “pre-existing.”

We:

• Brought in a certified remediation expert

• Photographed hidden smoke and moisture damage

• Prepared a new estimate and submitted policy language supporting coverage

Final Result: $41,000 settlement — on a claim that started at zero.

📍 We Help With All Types of Denied or Underpaid Claims:

• Fire & smoke damage

• Water damage (pipes, appliances, flooding)

• Storm, hail, or wind damage

• Mold or mildew disputes

• Roof replacements denied for “age”

• Delayed payments stuck in red tape

• Improper depreciation of contents or structure

⭐ Why Panzarella Public Adjusters?

• ✔ Licensed PA Public Adjuster

• ✔ Experienced in reopening denied claims

• ✔ Experts in policy interpretation and coverage loopholes

• ✔ We only get paid if you do — no recovery, no fee

• ✔ Deep knowledge of local building codes and insurance regulations

📞 Don’t Let a Denial Be the Final Word

Request a Free Claim Re-Review Today

You’ve paid your premiums for years. When your home is damaged, your insurance company should hold up their end of the bargain. If they’re not — we will.

📲 Contact us now 267-935-9855 for a free consultation and policy review. We’ll tell you exactly where your insurer fell short — and what it’s going to take to fix it.

🕒 Serving All of Bucks, Montgomery, and Surrounding PA Counties