Your Insurance Offer May Be Significantly Less Than You're Owed.
Most homeowners accept the first offer — and leave thousands of dollars on the table. Bellmore reviews your settlement for free and tells you honestly if you are owed more.
✓ Licensed and bonded adjusters. See license numbers
✓ Average payout increase of 747% for Bellmore clients
✓ 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.
Insurance Adjuster
The insurance company's estimate is calculated to satisfy their obligation at minimum cost. Their adjuster usestheir preferred pricing, applies depreciation broadly, and may miss items that should be included.
You have no way to know if the number is fair without an independent review.
Bellmore Adjuster
Bellmore prepares an independent estimate using contractor-level pricing for your area. We identify line items that were missed, depreciation that was applied incorrectly, and coverage your policy provides that was not applied.
Our clients consistently recover far more than the initial offer.
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
The Insurance Company's First Offer Is Usually Not Their Best Offer
Your Initial Offer Reflects Their Documentation
The insurer's adjuster documented your loss. Their estimate reflects what they chose to record — not necessarily the full scope of damage your policy covers. A second opinion almost always finds more.
Accepting a Payment Does Not Always Close Your Claim
In many cases you can still dispute a settlement after accepting an initial payment — particularly if additional damage surfaces or the original scope was incomplete. Time limits apply but the window is often longer than homeowners assume.
Deadlines Apply — But So Do Your Rights
Insurance policies have strict claim filing and supplemental claim deadlines. Missing them can limit your options. Acting quickly with proper representation protects them.
You Do Not Have to Navigate This Alone
A licensed public adjuster reviews your policy, documents what was missed, and handles every conversation with the insurer — at no upfront cost to you.
Insurance adjusters are not neutral parties. They work for the insurance company and are trained to settle claims efficiently — which means quickly and at minimum cost. The first offer is a starting point, not a final determination of what your policy entitles you to.
On average, Bellmore's clients receive 747% more than the insurance company's initial offer. That does not mean every claim increases by that amount — it means the gap between what insurers initially offer and what policyholders are actually owed is consistently significant.
You do not need to accept any offer until you have had an independent review. There is no cost for Bellmore to evaluate your settlement — and no fee unless we recover more for you.
The Insurance Company's First Offer Is Usually Not Their Best Offer
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
"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
We negotiate with the insurance company on your behalf
Frequently Asked Questions
A: You often cannot know without an independent review. That is exactly what Bellmore provides at no cost. We compare your offer to the actual scope of damage and applicable coverage in your policy. If there is a meaningful gap, we will tell you — and show you exactly where it is.
A: In many cases, yes — depending on how much time has passed and what documents you signed. Do not wait. Contact us immediately and we will assess your situation. You may have more options than you think.
A: Every claim is different. Bellmore will not promise a specific amount. What we will tell you is that if we take your case, it is because we believe we can recover meaningfully more — our fee depends on it.
A: No. You have a legal right to be represented. Insurance companies work with public adjusters routinely. What matters is having proper documentation and knowing your policy rights.
A: Your insurance policy, any correspondence from your insurer, the settlement offer or explanation of benefits, and any photos or documentation you have. If you do not have these, we can help you obtain them.
Ready to talk? Call (844) 943-MORE
Do Not Accept Less Than You Are Owed.
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.
