Can I hire a public adjuster after my insurance claim has been partially settled?
LA CONSULTING
Original Content
Yes, you can absolutely hire a public adjuster after your insurer has already made a partial payment or settlement. Many Florida property owners contact LA Consulting at this stage because they realize the insurer’s initial payment is far too low to cover the real cost of restoring their property. A partially settled claim is not the end of the road. In most cases, it can be reopened or supplemented with additional evidence, allowing us to negotiate for a higher payout that reflects the true extent of your damages. Even if months have passed since you received your first check, you still have rights and options that LA Consulting can help you pursue.
Why partial settlements are common
Insurance companies often start with low or partial payments in hopes that policyholders will accept them without dispute. They may claim that certain damages are not covered, underestimate repair costs, or overlook hidden issues like water intrusion or structural compromise. For property owners dealing with urgent repairs, it is tempting to accept the money offered just to move forward. Unfortunately, this approach leaves you paying out of pocket for repairs your policy should cover. LA Consulting steps in to prevent this outcome by challenging partial settlements and pursuing the full compensation you are entitled to.
How LA Consulting reopens claims
Our process begins with a thorough review of the settlement letter and supporting documentation from your insurer. We carefully identify gaps, undervalued areas, and excluded damages. Then we conduct a fresh inspection of your property, documenting both visible and hidden damage with photographs, reports, and expert estimates. Once we assemble the evidence, we file a supplemental claim or reopen the existing claim, presenting a strong case that demonstrates why additional funds are necessary.
Because LA Consulting is licensed and experienced, insurers know our claims are backed by solid evidence and cannot be easily dismissed. This often leads to significant increases in settlement amounts, even after an initial payment has already been made.
Common scenarios where we help
Many homeowners call us after receiving a check that barely covers half of their contractor’s estimate. Roof replacements, water damage repairs, and fire restoration projects are frequently underestimated by insurers. We also assist commercial property owners whose business interruption claims were partially paid but did not reflect the true financial losses. In all of these situations, LA Consulting provides the expertise needed to bridge the gap between what the insurer paid and what is actually required to recover fully.
Another common scenario is when policyholders discover new damage after the initial settlement. For example, water damage may later cause mold growth, or structural problems may surface during repairs. These additional issues can and should be included in a supplemental claim, and we make sure they are properly valued.
Why timing still matters
While it is never too late to involve LA Consulting, the sooner you contact us after a partial settlement, the stronger your case will be. Florida law allows for supplemental claims, but strict deadlines apply. Waiting too long could limit your ability to pursue additional funds. By acting quickly, we can preserve evidence, meet filing deadlines, and maximize your recovery.
It is also important to avoid cashing or depositing an insurer’s check if you are dissatisfied with the amount, as this could be interpreted as accepting their offer in full. Contacting us first allows us to advise you on the best way to proceed and keep your options open.
The bottom line
If your insurer has already made a partial settlement, you still have options. LA Consulting can review your claim, reopen it with strong evidence, and negotiate for the additional compensation you deserve. Do not assume the first payment is final. With our expertise, you can turn a disappointing partial settlement into a fair outcome that fully restores your property. The sooner you involve us, the better your chances of maximizing your recovery and avoiding costly out-of-pocket expenses.
