We Don’t Negotiate.We Prove It.
Every carrier dispute we enter is pre-won — because we build an irrefutable forensic record before we submit a single dollar claim.
Our process is not a negotiation strategy. It is a forensic demolition methodology. We dismantle carrier estimates using raw engineering data, municipal code enforcement, and documented legal obligation — then we present a case that is designed to be impossible to deny.
Forensic Site Assessment & Policy Deconstruction
We deploy to your property with forensic engineers and begin a full-spectrum site assessment. Simultaneously, we pull your complete policy and map every coverage block — Ordinance & Law limits, BI caps, co-insurance clauses, ACV schedules, and exclusion language. We identify every trap before the carrier can use it.
- Full-spectrum site documentation
- Policy coverage mapping
- Co-insurance trap identification
- ACV depreciation schedule review
- O&L limit inventory (A, B, C)
- Hidden exclusion flagging
Municipal Code Cross-Reference & Forensic Cost Build
We cross-reference your property against the current municipal code database — IBC, Title 24, local amendments, ADA compliance requirements — and generate a mandatory upgrade inventory triggered by your loss. Every item is documented with its specific code citation and current cost basis.
- IBC code cross-reference
- Title 24 energy compliance audit
- ADA upgrade requirement mapping
- Fire suppression code analysis
- Line-item cost documentation
- Third-party engineer certification
The Peril Forensic Abstract
We compile everything into the Peril Forensic Abstract — a proprietary, carrier-grade document that presents our full recovery case with no room for counter-argument. Every dollar is supported by forensic documentation, policy language citation, and legal precedent. This is not an estimate. It is an indemnification demand.
- Proprietary recovery framework
- Line-by-line carrier estimate rebuttal
- Code citation documentation
- Policy language enforcement
- Legal precedent cross-reference
- Professional certification
Carrier Submission & Full Indemnification
We submit the Forensic Abstract directly to your carrier and negotiate from a position of documented legal obligation. When carriers resist — and they will — we escalate with appraisal, umpire proceedings, or litigation referral. We don’t leave the table until the number is right.
- Direct carrier submission
- Negotiation from legal obligation
- Appraisal escalation when needed
- Umpire proceeding management
- Litigation referral network
- Settlement only on your terms
No Increase. No Fee.
Our fee is 10% of Total Claim RCV. No increase, no fee.
Start Your Forensic Review