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Property Damage Claims Support
Our Mission is to ensure every driver gets the proper repairs, fair claim handling and full compensation they deserve, without pressure, confusion, or shortcuts from insurance companies. We are a free service that advocates for you.
What are Property Claims?
Property claims are formal requests a property owner submits to their insurance company after damage or loss (such as from storms, fire, water, or vandalism) to receive financial compensation under their policy. The claim triggers an investigation to determine coverage, scope of damage, and payout amount.
How Insurance Companies Evaluate Damage
Insurance companies evaluate damage by sending an adjuster to inspect the property, document visible losses, review photos, reports, and estimates, and compare findings against policy coverage and exclusions. They use standardized pricing software, depreciation models, and policy language to calculate what they believe is owed.
Common Mistakes that Reduce Payout
Common mistakes include under-documenting damage, accepting the first estimate without review, making permanent repairs before inspection, missing deadlines, and misunderstanding policy coverage. Many owners also fail to identify hidden or secondary damage, which can significantly reduce the final settlement. Insurance adjusters often underestimate repair costs to minimize payouts in the interest of the Insurance companies.
One client had a repair estimate of $2,017. After consulting multiple repair shops on behalf of our client, we discovered additional necessary repairs, and the final cost totaled $5,750.65.
Another client received an initial offer of $1,754.24. After obtaining second opinions from repair shops, the total cost of repairs came to $4,123.65.
Don’t Let Insurance Companies Cut Corners on Your Car Repairs.
When your vehicle is damaged, you deserve repairs done right — not the cheapest option your insurance carrier pushes.
We’re here to protect you from low-quality repair shops, shortcuts, and tactics that leave you paying more later.
Our objective is to help you receive full value of vehicle-related losses.
What Are Diminished Value Claims?
A diminished value claim seeks compensation for the loss in a vehicle’s market value after an accident, even if the car has been fully repaired. The premise is that a vehicle with an accident history is worth less than an identical vehicle with a clean record.
Who Qualifies?
Typically, owners of vehicles that were damaged due to another party’s fault qualify, especially when filing against the at-fault driver’s insurance. Qualification depends on state law, liability determination, vehicle age, mileage, and pre-loss condition.
How Diminished Value is Calculated
Diminished value is calculated by comparing the vehicle’s pre-accident value to its post-repair value, often using market data, comparable vehicle listings, and professional appraisals. Evidence usually includes repair records, accident reports, vehicle history reports (e.g., showing the accident), dealer or independent appraisals, and photos documenting the damage and repairs.
What Is Loss Of Use?
Loss of use refers to compensation for the time a vehicle owner is deprived of using their car due to covered damage while it is being repaired. Even if a rental car is not used, the owner may still be entitled to compensation for the inconvenience and inability to use their vehicle during the repair period, depending on state law and claim circumstances.
Rental Car Reimbursement vs Cash Compensation
Rental car reimbursement covers the actual cost of a rental vehicle, typically up to a daily and total limit set by the policy or insurer. Cash compensation (loss-of-use payment) provides a per-day monetary amount based on the reasonable rental value of a comparable vehicle, even if the owner chooses not to rent one.
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