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Insurance claims are supposed to be your safety net when disaster strikes. But for many homeowners in the Portland Metro Area—including places like Beaverton, Gresham, Vancouver, and Lake Oswego—the reality is far from reassuring. The paperwork, the back-and-forth with adjusters, and the endless waiting can make the process feel like an uphill battle.
It’s not just an inconvenience—it’s a financial risk. In 2023, nearly 47.5% of homeowners’ insurance claims were denied by the 13 largest insurance providers in the U.S. (National Mortgage News, 2023). That’s almost half of all claims rejected outright. And if a claim isn’t denied, there’s still a strong chance it will be underpaid—a tactic insurers frequently use to cut costs (Insurance Claim HQ, 2023).
That’s why we created QuickClaim—to take the hassle off your plate and ensure you get what you're owed. But here’s the thing: not every situation is a match. Some claims are straightforward; others? Not so much. That’s where we come in.
To see if QuickClaim is the right fit, answer a few quick questions. These aren’t just for show; they’re the same things we look at when helping clients get their claims paid. If it lines up, we’ll handle the rest. If not, you’ll at least know where you stand.
Most people don’t think about insurance until they need it. And when they do, they assume the process will be simple: file a claim, get paid, move on. But that’s not how it works for most. In fact, about one in 50 insured homes files a claim for water damage each year (Avner Gat, 2023). That’s millions of homeowners dealing with leaks, flooding, and burst pipes—and many of them won’t see a fair payout.
We’ve seen who gets through the system smoothly and who gets stuck fighting for what should be theirs. The people who tend to qualify for QuickClaim share a few things in common.
First, they have an active homeowner's insurance policy. That’s the foundation of everything. If you’re uninsured, there’s nothing for us to work with.
Second, they live in the Portland Metro Area. Insurance rules and adjuster tactics vary by location, and we know the ins and outs of how things work here. Whether you're in Vancouver, Tigard, Ridgefield, or West Linn, we already know what to expect from your insurer, which means faster approvals and fewer roadblocks.
Third, their property has real damage—water, fire, or storm—something that an adjuster can’t ignore. Insurance companies don’t like paying out, but they can’t argue with hard evidence. If your property has suffered legitimate damage, you’re in a much stronger position to get paid.
Fourth, they have a household income of $50,000 or more and are over the age of 25. Homeowners in this range tend to have more at stake and value professional assistance to navigate the claim process.
And finally, they don’t want to deal with insurance alone. Because let’s be honest, no one does. The people who get the best results are the ones who understand that insurance companies have teams of people working against them. Going in without a strategy is like stepping into a ring blindfolded.
Not all insurance claims are created equal. Some sail through the system with no pushback. Others get stuck in endless delays, underpaid, or flat-out denied. The difference? It usually comes down to how the claim is built from the start.
A strong claim starts with evidence. Not just a couple of photos, but full documentation—clear images of the damage, reports that outline what happened, and proof that ties it all together. Insurance companies don’t pay out based on assumptions; they want hard facts. Following significant flood events, thousands of homeowners have been underpaid for their flood insurance claims (YouTube Investigation, 2023).
Next is paperwork. This is where most people get tripped up. Small errors, missing details, or vague descriptions can slow things down or get a claim rejected outright. Insurance companies love technicalities; they’ll use any excuse to delay or deny a claim. In California, a 31% increase in policy non-renewals occurred in 2019 alone due to wildfire risks. That’s thousands of homeowners suddenly left unprotected.
Then comes the push. Adjusters aren’t in the business of handing out money. Even strong claims can get lowballed if no one is pushing back. The biggest mistake people make is assuming that whatever the insurance company offers is final. It’s not. There’s always room to negotiate, and the difference between a weak payout and a fair one often comes down to knowing how to apply pressure.
Finally, the policy itself matters. If your policy covers the type of damage you’re dealing with, your insurance company owes you. But that doesn’t mean they’ll make it easy. Understanding what’s covered and making sure they follow through is the key to getting what you’re entitled to.
Insurance companies deny claims for all kinds of reasons, and most of them come down to one thing: paying out as little as possible. That’s their business model. They collect premiums, and when disaster strikes, their goal is to keep as much of that money as they legally can.
One of the biggest reasons for denial is lack of documentation. If the damage isn’t properly recorded, the insurance company can argue that it’s not as bad as the policyholder claims. Another common excuse is that the damage is due to "wear and tear" rather than a sudden event. If they can shift the blame to poor maintenance instead of an insurable incident, they’ll try (Avner Gat, 2023).
Policy loopholes are another favorite tactic. Most people don’t read their policies in full, and insurance companies count on that. Consumer surveys found that 47% of people who had an insurance denial said their financial situation worsened as a result (WHYY, 2023). Insurance companies understand that most homeowners won’t fight back—and that’s exactly how they get away with denying legitimate claims.
At this point, you might be wondering where you stand. The best way to know for sure is to answer a few quick questions.
If you answered yes to all five, you’re in the best position to take advantage of QuickClaim. If you hesitated on any, don’t worry. Every case is different, and there’s still a good chance we can help.
If your answers lined up, the next step is simple: let’s talk. No commitment, no pressure—just a quick call to see what you’re dealing with and how we can help. If your claim is a good fit, we’ll take it from there. If not, we’ll at least point you in the right direction so you know what to do next.
Most people don’t realize how much they’re leaving on the table until it’s too late. Don’t let that be you. Get in touch today and let’s make sure you get what you’re owed.
Finkelstein, B. (2024, September 27). 13 largest homeowners insurers denied nearly half of claims last year. National Mortgage News. https://www.nationalmortgagenews.com/news/13-largest-homeowners-insurers-denied-nearly-half-of-claims-last-year?
Facts + Statistics: Homeowners and renters insurance | III. (n.d.). https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance?
Haskins, H. (2023, November 15). About underpaid home insurance claims | Insurance Claim HQ. Insurance Claim HQ. https://insuranceclaimhq.com/underpaid-home-insurance-claims/?
Beware of improper insurance claim denials for water damage. (n.d.). Trusted Public Adjuster - California. https://www.avnergat.com/improper-insurance-claim-denials/
Erika. (2015, May 11). The list: 10 reasons why insurance companies may have underpaid Sandy victims. United Policyholders. https://uphelp.org/the-list-10-reasons-why-insurance-companies-may-have-underpaid-sandy-victims
Leonard, N. (2024, August 1). Most U.S. adults don’t know they can fight insurance denials, new study finds. WHYY. https://whyy.org/articles/insurance-denial-commonwealth-fund
Climate risk is US housing market’s neighbour from hell. (2025, January 23). Financial Times. https://www.ft.com/content/08cb8f8b-47b8-44ef-bbad-7ee268a98223
60 Minutes. (2024, September 27). The Storm after the Storm: Underpaid flood insurance claims | 60 Minutes Archive [Video]. YouTube. https://www.youtube.com/watch?v=KTc9udJG3QM
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