What we work to understand first
- Exactly what was denied — the whole claim, or specific items
- The policy provision or provisions cited
- The facts the carrier relied on
- Reports used, including engineering or cause-and-origin
- The carrier's causation position
- Exclusions relied upon
- Limitations, conditions, and time requirements
- What documentation already exists in the file
- What documentation was never submitted
Partial denials are their own problem
Many letters approve part of a loss and deny another part — one slope but not the other, water damage but not the cause of the water, structure but not contents. Partial denials often hinge on scope and causation, which are documentation questions rather than opinions.
What we will not do
We will not tell you the denial was improper before reviewing it, and we will not promise a reversal. We are also not a law firm and do not give legal advice — if your situation appears to call for counsel, we will say so rather than talk around it.
Upload the denial letter and the policy if you have it.
We'll identify the basis of the denial in writing, what facts it rests on, and what documentation may be relevant to a closer review.
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Important Information
White Rock Public Adjusting, LLC is not an insurance company, law firm, contractor, or carrier-affiliated entity, and does not provide legal advice. Services vary by claim type, jurisdiction, licensing requirements, and individual circumstances. No claim outcome is guaranteed. Licensed public adjusting is available in Texas and Florida, subject to the applicable claim, license, law, contract, and circumstances. Public adjusting services are provided only where White Rock and the applicable professional are properly licensed and legally authorized. Submitting information does not create a public-adjusting representation agreement.
TX Public Adjuster #3172010 · NPN #19450926 · FL Public Adjuster #W675274 · NPN #19450926