Denied or Underpaid Insurance Claims in Utah

Licensed Utah public adjusters advocate for policyholders, not insurance companies.

See If Your Claim Can Be Reopened

Insurance companies deny or underpay claims more often than most policyholders realize. In many cases, damages are overlooked, policy language is misapplied, or settlement offers fail to reflect the true cost of repairs. Optivus Claim Solutions helps Utah property owners review denied, delayed, or underpaid insurance claims to determine whether additional compensation may be owed under the policy.

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Many Insurance Claims Are Denied or Underpaid — Often Incorrectly

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Why Insurance Claims Get Denied or Underpaid

Policyholders are often pressured to accept settlements before the full scope of damage is known. Without professional documentation and policy analysis, important coverage can be missed.

Incomplete damage assessments

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Misinterpretation of policy language

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Low initial settlement offers

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Coverage exclusions applied incorrectly

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Missed supplemental claim opportunities

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How We Help With Denied and Underpaid Claims

We perform a detailed review of your insurance policy, claim file, and insurer communications to identify coverage that may have been overlooked or misapplied.
Our team documents all covered damage and prepares detailed estimates that reflect the true scope of loss — not just the insurer’s initial assessment.
When justified, we pursue supplemental or reopened claims and negotiate directly with the insurance company on your behalf.
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Claims That May Qualify for Review

Even if your claim has already been settled or closed, you may still have options depending on your policy terms and documentation.

Denied claims

Claims that were rejected by the insurer can often be revisited with proper documentation and expert review.

Low settlement offers

If the compensation offered does not cover the full extent of your damages, a reassessment may increase your payout.

Claims closed too quickly

Rapid claim closures might overlook important damages or necessary repairs that should be included.

Repairs exceeding insurance payments

When repair costs surpass what the insurer has paid, additional claims or adjustments may be justified.

Missed depreciation or code upgrades

Claims that do not account for depreciation or required code upgrades can often be corrected to reflect true costs.

When to Call Optivus Claim Solutions

You received a denial letter

If your claim was denied, professional review can identify overlooked details and next steps.

Your settlement does not cover repair costs

When the insurer’s offer falls short of actual repair expenses, expert negotiation is essential.

You feel pressured to accept payment

Avoid rushed decisions; a public adjuster ensures your claim is fully evaluated before settlement.

Your claim has stalled or been delayed

Persistent delays can be addressed by professionals who expedite claim resolution effectively.

You’re unsure what your policy actually covers

Clarifying policy terms helps prevent misunderstandings and maximizes your rightful compensation.

Request a Free Claim Review

Contact Optivus Claims Solutions to evaluate your insurance claim at no cost and understand your options.

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Optivus Claim Solutions is a licensed Utah public adjusting firm focused exclusively on representing policyholders in first-party insurance claims. We do not work for insurance companies, and our role is to help ensure claims are documented, evaluated, and negotiated fairly under the terms of the policy.
Our experience with denied and underpaid claims allows us to identify missed coverage, documentation gaps, and valuation issues that commonly impact settlements. Every claim is handled with transparency, professionalism, and ethical advocacy.

Policyholder Advocacy You Can Trust

Not Sure If Your Claim Was Handled Fairly?

A no-obligation claim review can help you understand your options.