Reasons You Should Not Accept the Insurance Company’s First Settlement Offer

At, our public adjusters explain to each of our clients that after their home has suffered damage that requires them to file a homeowner’s insurance claim, the initial response, estimate, and settlement from the insurance company should always be considered the first offer, not the final offer.

Never Accept the First Damage Estimate or Settlement Offer From Your Insurance Company

If your home has been damaged by a storm, fire, or broken pipes, focusing solely on the physical damage and not the overall financial impact on the home is the equivalent of leaving money on the table.

Here is why:

  • The insurance company’s initial damage assessment and first settlement offer are never the best valuation or offer, since they are trying to protect their employer’s bottom line.
  • Insurance companies have little incentive to pay homeowners’ claims in full. If you accept the first offer, the balance stays with the company.
  • All, or even additional, overlooked, or “uncovered” damages can be identified by a public adjuster who works for you, not the insurance company. allows all homeowner’s insurance policyholders to understand the full range of benefits their coverage provides, so they can pursue the best outcome from their claim without delay.

Contact Our Storm Claim Professionals Today to Learn More About Your Rights and Options to Pursue the Best Outcome

If your home suffered any type of damage that should be covered by your insurer, and you believe the insurance company is failing to provide an accurate assessment of those damages, contact our skilled Boca Raton public adjusters at today to schedule a free consultation and learn how we can produce solutions for your unique recovery needs by calling (844) 967-8676.


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