FranklyRead the reason given
Denials generally turn on cause — wear and tear versus a covered event — or on documentation. These lead to very different responses. The letter usually says which, even when the language is dense.
Wear and tear is the common line
Policies cover sudden events, not age. When an insurer calls the damage deterioration, the question becomes whether the evidence supports a specific event. Dated photos from before and after the event are the strongest thing you can have.
The contractor's estimate is one input
A contractor's scope reflects what they would build, not what the policy owes. When the adjuster's scope and the contractor's estimate diverge, the useful work is identifying which specific line items differ and why.
Know who does what
Public adjusters negotiate claims for a fee and are licensed to do so. An independent reviewer reads the estimate and scope so you understand your position. Frankly does the second, not the first — we do not negotiate with insurers on your behalf.