Reclamaciones por incendio y humo
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
NUEVAS RECLAMACIONES | RECLAMACIONES DENEGADAS | RECLAMACIONES MAL PAGADAS
Licensed & Bonded • No Upfront Fee •
★★★★★ Google Reviews •
¡Aumento de pago promedio del 747%!
747%
¡Aumento de pago promedio del 747%!
747%!
¡Aumento de pago promedio del 747%!
747%!
Insurance Adjuster vs. Bellmore Adjuster
Trabajamos para usted, representando su reclamo durante todo el proceso.
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?
Trabajamos para usted, representando su reclamo durante todo el proceso.
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
Que hacemos nosotros por ti
Trabajamos para usted, representando su reclamo durante todo el proceso.
Inspeccionaremos su propiedad, tomaremos fotografías y mediciones, y documentaremos cada detalle de la pérdida para garantizar que todo esté contabilizado.
Presentaremos su reclamo por usted o enviaremos toda la documentación complementaria si ya lo presentó.
Nos encargaremos de la coordinación y asistencia a todas las inspecciones de seguros. Estamos aquí para usted en cada paso del camino.
Nos comunicaremos con el seguro y le proporcionaremos actualizaciones frecuentes. Esto le ahorrará tiempo, recursos y estrés.
Preparamos un presupuesto integral basado en el alcance total del trabajo necesario para que su propiedad vuelva a las condiciones previas a la pérdida.
Aprovechando el presupuesto, lucharemos contra la compañía de seguros para asegurarnos de que reciba el pago máximo de su seguro.
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
Compañías de seguros contra las que trabajamos
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
Inspeccionaremos su propiedad, tomaremos fotografías, mediremos y documentaremos cada detalle para asegurarnos de que todo esté contabilizado.
Presentaremos su reclamo por usted o enviaremos toda la documentación complementaria si ya lo presentó.
