Should I hire a public adjuster?

On large claims (>$25K), often yes. Public adjusters typically take 10% but increase recovery by far more. We can refer when appropriate. For smaller claims, we draft the supplemental claim letter ourselves with the independent contractor estimate as the anchor.

What if the insurer is dragging the investigation?

Most states have prompt-payment statutes (30–60 days from proof of loss). Missing them is its own statutory violation. We document the delay, file the DOI complaint, and reset the negotiation around the statutory deadline rather than the insurer's preferred timeline.

Homeowners insurance · Property claims · Bad faith

Homeowners claim denied or short-paid? Bad-faith laws have teeth.

Insurers count on you accepting the first offer or giving up. State Unfair Claims Practices acts + bad-faith case law force a second look. We file the supplemental claim, the DOI complaint, and the independent estimate that anchors the negotiation.

$3,000 – $50,000+ typical · Major claims can reach six figures

FREE

first month

50% OFF

for life

+1 mo

per friend

If any of this is happening to you

We have the playbook for your exact situation.

Claim denied citing 'wear and tear' on damage from a clear storm event

Replacement-cost claim paid at actual cash value (depreciation never returned)

Insurer dragged the investigation past your state's prompt-payment deadline

Adjuster missed obvious damage that a public adjuster or contractor found

Hurricane / hail / water claim denied after months of delay

The law on your side

State Unfair Claims Settlement Practices

Authority

NAIC Model Act 900 · state bad-faith statutes

Every state has an Unfair Claims Practices Act. Bad-faith claim handling — unreasonable delay, lowballing, failure to investigate — is its own cause of action with consequential damages, attorney's fees in many states, and punitive damages in some.

The process

Three steps. The agent does the rest.

Send us the bill.

Upload the document — bill, denial letter, deposit itemization, collection notice. We read it, identify which protections in State apply to your specific facts, and tell you what we’d recover. Free triage.

Approve the plan.

We show you the theory of the case — which laws apply, which letters we’d send, what the recovery range looks like. Nothing goes out until you say go.

We do the rest.

Certified mail, deadline tracking, response parsing, escalation when ignored. You only hear from us when there’s a decision to make. Most cases resolve in under 30 days.

Questions, answered

Common questions.

On large claims (>$25K), often yes. Public adjusters typically take 10% but increase recovery by far more. We can refer when appropriate. For smaller claims, we draft the supplemental claim letter ourselves with the independent contractor estimate as the anchor.

Still wondering? Email hello@dotandcross.io — we read every message.

Closes the day we launch

First month free.
50% off for life.

Two minutes to reserve your spot. Drop your email — we’ll handle the rest when we open.