Receiving a settlement offer does not always mean the claim was fully valued. Many policyholders are unsure whether an offer reflects the real cost of repairs, covered losses, or the impact of a delay.
This guide can help you review the offer before making a final decision.
☐ Does the amount cover the full scope of damage?
☐ Does it match contractor or repair estimates?
☐ Were all damaged areas included?
☐ Were code upgrades considered if applicable?
☐ Were materials priced accurately?
☐ Does it include labor at realistic rates?
☐ Were temporary repairs or emergency costs considered?
☐ Does it address hidden or supplemental damage?
☐ Were deductibles applied correctly?
☐ Is the reason for any reduction explained in writing?
Have these items ready if possible:
☐ Insurance estimate
☐ Contractor estimate
☐ Photos of damage
☐ Claim letters or emails
☐ Payment letter
☐ Policy information
☐ Notes from adjuster conversations
☐ Receipts for emergency or temporary repairs
Insurance Company:
Claim Number:
Offer Amount:
Date Offer Received:
What Concerns You About The Offer?
☐ The number seems far below contractor estimates
☐ Major damage was omitted from the scope
☐ Pricing appears outdated or unrealistic
☐ The insurer used generic line items that do not match
actual work needed
☐ You feel pressured to accept quickly
☐ The offer arrived before a complete inspection
☐ Questions about the calculation go unanswered
☐ You still cannot complete repairs with the amount offered
Jeff Martin Law helps Oklahoma policyholders dealing with underpaid, delayed, denied, or mishandled insurance claims.