Claim Denied? That's Not the Final Answer.
Bellmore Public Adjusting works for you — not the insurance company. We reopen denied claims, fight for your rights, and get paid only when you win.
✓ Licensed and bonded adjusters See license numbers
✓ Denied claims can be reopened, appealed, and won
✓ No upfront cost — we only get paid if we win
✓ Free claim review and inspection
Licensed • No Upfront Fee • Same-Day Reviews • Free Inspection •
Licensed • No Upfront Fee • Same-Day Reviews • Free Inspection •
Their Insurance Adjuster
The insurance company's adjuster works for one goal: pay you as little as the policy allows. They document
damage their way, apply exclusions broadly, and write their estimate to minimize your payout.
A denial from them is not an impartial ruling — it is a business decision.
Your Adjuster — Bellmore
Bellmore's licensed adjuster documents every dollar of damage, identifies every coverage you are entitled to,
and builds a case for the full payout you deserve.
We have reversed denials that policyholders were told were
final. A denial is the start of the conversation — not the end.
Average Payout Increase of
747%!
Average Payout Increase of
747%!
Insurance companies deny claims for many reasons: they say the damage is pre-existing, they classify it under an excluded peril, or they claim you missed a deadline or filing requirement. Many of these denials are disputable.
As a licensed public adjusters, Bellmore reviews the denial, your policy language, and the damage
documentation. We look for what was missed, misclassified, or applied incorrectly. In many cases, a properly documented and presented claim gets a very different result the second time.
You have the right to representation. The insurance company has their experts — now you have yours.
Why Insurance Claims Get Denied — And Why Most Can Be Reversed
What We Do For You
From the first inspection to the final settlement — we handle everything while you focus on recovery.
Our expert adjusters inspect your property, take photos, measurements, and document every detail of the loss to ensure all of your property damage is accounted for.
We file your claim or submit all supplemental documentation if you already filed. Our licensed adjusters ensure every element of your loss is documented before a single negotiation begins.
We coordinate every insurance inspection, communicate directly with your insurer, and keep you informed at every step.
You don't have to deal with the insurance company at all — that's our job. We'll save you time, money, and stress.
We prepare a comprehensive estimate based on the full scope of work needed to get your property back to pre-loss conditions.
Leveraging the estimate, we negotiate directly with the insurance company to recover the maximum settlement your policy allows.
What Our Clients Say
"Bellmore was very knowledgeable and informative. Any issues or questions I had, they were timely with getting back to me and clarified all concerns I had. I would highly recommend them to anyone having to deal with insurance adjusters and appraisers."
— Angel M., Winter Garden
"Our homeowner's insurance didn't cover the damage. Bellmore was persistent and obtained the pool company's insurance policy. The insurance company sent our claim to their attorney — Bellmore negotiated a settlement to get exactly what we needed. Truly a professional service, excellent communication, and a great outcome."
— Mehrshad Y., Maitland
"After the 2024 hurricanes, I was overwhelmed and unsure of where to begin. Thanks to Bellmore, what could have been a stressful and confusing time was made manageable and smooth."
— Cheyenne O., Riverview
We negotiate with the insurance company on your behalf
Frequently Asked Questions
A: Yes. A denial is not always final. You typically have rights under Florida law to dispute a denial, request a re-inspection, invoke your appraisal clause, or pursue mediation. The key is acting quickly — there are time limits. Call us for a free review before accepting any denial as final.
A: Nothing upfront. Bellmore works on a contingency fee — we take a percentage of the settlement we recover for you. If we do not recover additional money, you owe us nothing. There is zero financial risk to you for getting a review.
A: It depends on the complexity of the claim and how far along the dispute process needs to go. Simple denials based on documentation errors can resolve in weeks. More complex disputes may take longer. We will give you a realistic timeline during your free review.
A: Each state has statutes of limitations on insurance disputes. Do not wait — contact us immediately so we can assess whether you are still within the window to act.
A: A public adjuster handles the documentation, re-inspection, and negotiation with your insurance company. We are often the fastest and most cost-effective first step. If your case requires litigation, we will refer you to an appropriate attorney — but most claims never reach that point.
Ready to talk? Call or text (407) 205-7963
Your Denial May Not Be Final. Find Out For Free.
Free inspection · No upfront cost · Licensed & bonded · New, underpaid, and denied claims
Or call us directly: (407) 205-7963
Text friendly
We will inspect your property, take photos, and measurements, and document every detail to ensure everything is accounted for.
We will file your claim for you or submit all supplemental documentation if you already filed.
