Your insurer offered you pennies. We fight for the rest.
They brought a calculator. We brought the hammer.
Impact Claims Consulting LLC helps homeowners recover the maximum from underpaid or denied property claims. Miguel Lopez Vazquez argues directly with your insurance company — so you don't have to.
Miguel Lopez Vazquez
Licensed Homeowner Advocate · $400 + 10% of the upside
Representative example. Your recovery depends on the facts of your claim.
More than the insurer's first offer — what a licensed public adjuster typically recovers on property claims*
Flat fee to start your claim — then we earn 10% of only the extra money recovered
On your side. We never work for the insurance company
*Per industry research on recoveries with a licensed public adjuster vs. the insurer's first offer. Underpaid or denied claims often recover far more.
The insurance company is not on your side.
Their adjuster's job is to close your claim for as little as possible. A quick “fair” offer is often a fraction of what the damage actually costs to fix — and once you accept it, the file is closed.
- They under-scope the damage and skip hidden moisture.
- They depreciate materials they shouldn't.
- They omit code-upgrade and matching-cost coverage.
- They count on you being tired and stressed enough to settle.
Miguel levels it back.
A licensed public adjuster who reads your policy, scopes the real damage, and refuses the first number. You don't argue with the insurance company — we do.
Have Miguel review my claimHow much more does your insurer owe you?
Pick your damage type and move the slider to your insurer's offer. This is an estimate of the true claim value a complete, documented file can recover.
Estimate How Much More Your Insurer Owes You
Insurance company adjusters work for their company profits. Miguel Lopez Vazquez works strictly for you.
Free, confidential policy review. $400 to start your claim, then 10% of the extra money recovered.
The advantage of someone in your corner.
We level the playing field
Insurance adjusters work for the company's bottom line. Miguel works for you — documenting, estimating, and demanding what your policy actually covers.
Thorough damage documentation
We dig past surface damage to find what the insurer's quick estimate missed — hidden moisture, code upgrades, full replacement scope, and depreciation.
Maximum recovery
We negotiate from a complete, defensible file. Homeowners routinely recover 40-150% more than the insurer first offered — and far more on underpaid or denied claims.
Simple, fair fees
$400 starts your claim, then we earn 10% of only the extra money recovered above your insurer's offer. Most homeowners recover far more than the $400 fee.
A clear path from lowball to maximum recovery.
Free claim review
We review your policy and the insurer's offer at no cost and tell you straight whether you're being underpaid.
Full documentation
We inspect, photograph, and scope the complete damage — including what the insurance adjuster skipped.
Aggressive negotiation
We submit a defensible estimate and argue every line item until the insurer pays what the claim is truly worth.
From lowball to what was owed.
Representative recoveries by claim type. Actual results depend on your policy, the damage, and the facts of your claim.
They were underpaid. Then they called Miguel.
The insurance company called our roof 'cosmetic' and offered almost nothing. Miguel got it fully replaced.
Our pipe burst claim was denied. Miguel reopened it and recovered five figures we'd been told we'd never see.
He handled every call with the adjuster so we could focus on rebuilding. We got way more than the first offer.
Representative client experiences shared with permission. Names abbreviated for privacy.
Questions, answered.
What does a public adjuster do?
A public adjuster is licensed to represent you — the policyholder — not the insurance company. We inspect the damage, read your policy, build a complete estimate, and negotiate directly with the insurer to recover the full amount you're owed.
How much does it cost to hire you?
A flat $400 engagement fee starts your claim, then we earn 10% of the extra money we recover above your insurer's offer. If we don't beat the insurer's number, you owe nothing beyond the $400 — and most homeowners recover far more than the fee.
Can you help if my claim was already denied?
Yes. Denials are often based on incomplete information or a misread policy. We reopen the claim with a complete, documented file and frequently recover on claims the insurer said were 'not covered.'
How long does the process take?
It depends on the damage and the insurer, but most claims are resolved within a few weeks to a few months. We keep you updated at every step so you are never wondering where things stand.
Don't settle for the insurer's first number.
Tell Miguel what happened. You'll get a free, confidential assessment and a straight answer on whether you're being underpaid.
See what your claim is really worth.
Tell Miguel about your damage. You will get a free, confidential assessment of what the insurance company should be paying — not what they offered.
Prefer email? Reach Miguel directly at miguel.lopez@impactclaimconsultingllc.com