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 & Bonded • No Upfront Fee • ★★★★★ Google Reviews •
Licensed & Bonded • No Upfront Fee •
★★★★★ Google Reviews •
Average Payout Increase of
747%
Average Payout Increase of
747%!
Average Payout Increase of
747%!
Insurance Adjuster vs. Bellmore Adjuster
Their adjuster works to minimize what the insurance company pays. Ours works to maximize what you recover.
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.
Not Sure Which Route to Take?
After property damage, most owners have three options. Here is what each one actually means for your claim.
Handle the Claim Yourself
You manage every step of the claims process directly with your insurance company — no expert in your corner.
✓ No representation required
✗ Manage the claim yourself
✗ Document visible and hidden damage
✗ Track claim deadlines
✗ Negotiate against a professional
✗ Increased time and stress
Hire an Attorney
A property insurance attorney can represent you in disputes — particularly useful when a claim reaches litigation.
✓ Legal representation
✗ Higher fees – typically 33%
✗ Not trained to assess damage
✗ Longer resolution times
✗ May involve litigation
✗ Infrequent updates
Hire Bellmore Public Adjusting
We work exclusively for you — handling documentation, negotiation, and every interaction with the insurance company on your behalf.
✓ Fully assess the damage
✓ Manage the entire claims process
✓ Handle the negotiations
✓ No fees unless you get paid
✓ Keep you informed throughout
Why Insurance Claims Get Denied — And Why Most Can Be Reversed
A Denial Letter Is Not the Final Word
Insurance companies issue denials for many reasons — some legitimate, many not. Policy language is complex and insurers apply it in ways that favor their position. That application is disputable.
Some Denials Are Strategic By the Insurer
Their adjuster conducted the inspection, wrote the report, and applied the policy language. You had no representation in that process. Having your own expert review that work often tells a very different story.
Time Limits on Disputes Are Strict
Policies have specific windows to dispute a denial, invoke appraisal, or file a supplemental claim. The longer you wait, the fewer options remain. A free review costs nothing and tells you where you stand.
You Do Not Have to Navigate This Alone
A licensed public adjuster can re-inspect the damage, review the denial language, and present a complete supplemental claim. You do not have to accept the insurer's decision without a fight.
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
"My insurance adjuster did a minimum to help me out. Another adjusting company refused, saying my
deductible was too high to work with. Bellmore showed up right away, quick communication, and best results. Now I have a new roof and lots of repairs paid by insurance that wanted to pay me $0."
— Mindaugas G., Bradenton
"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.
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: (844) 943-6673
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.
