The settlement letter came, and the number doesn't come close to what contractors say the repairs will cost. That gap isn't your imagination. Insurer estimates are prepared by adjusters who work for the insurance company — and they routinely miss damage, underprice labor and materials, and leave out costs your policy actually covers.
You are not required to accept the first offer. ACI Adjustment Group prepares an independent, line-by-line estimate of your loss and negotiates the difference — directly with your insurer, on your behalf.
Whole rooms, trades, or secondary damage (water intrusion, hidden moisture, code-required upgrades) simply absent from the insurer's estimate.
Repair line items priced under what any local contractor will actually charge — leaving you to cover the gap.
Excessive holdbacks that shrink your payment beyond what the policy's depreciation terms justify.
Paying to patch three shingles or one wall of siding when the policy owes a uniform, matching repair.
Free inspection, free policy review, and an independent estimate you can hold your insurer to.