From the insurer's first lowball to the maximum you're owed.

You tell Miguel about the damage and the insurer's response. We read your policy and the offer — at no cost — and tell you straight whether you're being underpaid or wrongfully denied.

We inspect the property, photograph everything, and build the complete scope of damage — including the hidden moisture, code upgrades, and matching costs the insurer's adjuster skipped.

We prepare a line-by-line, defensible estimate backed by photos, measurements, and your policy language. This is the file the insurer will have to answer to.

We submit the file and argue every disputed line item directly with the insurer's adjuster. We push back on depreciation, exclusions, and lowball scopes until the numbers reflect reality.

We do not close the file until the settlement reflects the true cost of making you whole. If appraisal or further action is warranted, we walk you through it.

Once the insurer agrees to the corrected amount and payment is issued to you, Miguel sends an invoice for 10% of only the extra money recovered above the insurer's original offer — never a cut of that original offer. Combined with the $400 engagement fee you paid up front, that's the full cost. You keep the rest.