The payment falls short
The carrier estimate does not appear to cover the work contractors say is needed.
West Virginia property owners
Was your insurance claim underpaid?
Your payment should be measured against the damage, the policy, and the cost of covered repairs. UCAG will take a closer look and explain what the records support.
You handle life... We handle insurance!Free initial review. No outcome is guaranteed. Representation terms are explained before you hire us.
Does this sound familiar?
Your claim deserves a closer look.
An underpayment can result from an incomplete scope, disputed pricing, overlooked damage, or a different reading of the policy. A review starts with the records—not assumptions about the carrier.
Damage may be missing
Rooms, materials, code items, contents, or related damage may not appear in the carrier’s scope.
The paperwork is exhausting
You are spending time tracking inspections, estimates, calls, and requests while trying to recover.
What UCAG does
We build the review around your policy and your damage.
Policy and estimate review
We compare the policy, carrier estimate, payment, and available repair information.
Inspection and documentation
We identify affected areas and organize photographs, estimates, records, and supporting evidence.
Claim preparation
We prepare a clear, supportable presentation of the documented damage and claimed costs.
Carrier communication
We handle claim communications and negotiate disputed scope and value on your behalf.
Why UCAG
Experienced claim professionals. Policyholder-focused work.
- More than 20 years of insurance-claims experience
- Licensed West Virginia public-adjuster representation
- Residential and commercial property claim experience
- Clear explanations without promises or pressure
5.0 out of 5“Once they were on board, they took over the fight and all the stress I was feeling was lifted off of me.”
Lisa Cart · Google ReviewOriginally submitted for Bay Area Public Adjuster, Inc., which does business as United Claims Advocate Group.
What to expect
Start with a conversation, not a commitment.
- 1
Tell us what happened
We listen to your concerns and ask about the property, damage, claim, and payment.
- 2
Share the available records
We review the policy, estimates, letters, photographs, payments, and other documents you have.
- 3
Understand your options
We explain what appears supportable, what may need more investigation, and the terms before any representation begins.
Common questions
Before you request a review.
How much does the initial review cost?
The initial claim review is free. If you decide to hire UCAG, the contingency agreement and any state-specific fee requirements are explained in writing before representation begins.
What documents should I gather?
Your policy, carrier estimate, payment letter, photographs, repair estimates, invoices, and claim correspondence are helpful. Contact us even if you do not have everything yet.
How long will a review take?
Timing depends on the size and complexity of the loss and the records available. We will explain the next steps after the initial conversation and document review.
Can you review a closed claim?
Possibly. A closed file may still deserve review, but available options depend on the policy, facts, deadlines, and West Virginia law.
How much are you owed?
A careful review is the way to find out.
There is no instant calculator or guaranteed result. UCAG reviews the policy, damage, estimate, and payment, then explains what the information supports.