underpaid.The map your insurance company hopes you never see
Unpaid · Underpaid · Unclaimed — commercial property files

Your building may be owed money.
Nobody was going to tell you.

est. $1,553,670,000 in likely-unrecovered commercial hail claims indexed around Dallas–Fort Worth — and counting
Any building. Yours. Your landlord’s. The plaza across the street.
The evidence

It’s not a theory. It’s a paper trail.

The gap between what insurers first offer and what buildings actually recover is not rare. It is the pattern. A few files from the public record:

CASE FILE UC-000412Offered $40,000 → Recovered $642,000Shopping center · Dallas, TXOpen file →

A Dallas shopping center's hail claim was first offered $40,000. After the roof was properly documented, the claim settled for $642,000 — roughly sixteen times the initial offer.

Source: Arrington Roofing case study →
CASE FILE UC-000631$1,100,000 settlementThree industrial roofs · Mansfield, TXOpen file →

A single hailstorm damaged three TPO industrial-building roofs in Mansfield. The combined claim settled for $1.1 million.

Source: HailTrace case study →
CASE FILE UC-000885~85% were owed more19,000 storm claims, independently re-reviewedOpen file →

When roughly 19,000 flood-storm claims were independently re-reviewed after Superstorm Sandy, about 85% turned out to have been underpaid. The government paid out more than $258 million in additional money.

Source: FEMA Sandy Claims Review →
The file room

Every dot is a building with an unopened file — $1.6B of likely unrecovered claims across Dallas–Fort Worth alone.

Browse the map the way an insurance adjuster would — except this one is on your side. Find your building, your competitor’s, the plaza you drive past every day.

Walk the file room →
The only real objection

“But my premiums will go up.” The four facts nobody’s broker leads with.

  • Your premium went up 32 quarters in a row — whether you filed or not. Commercial property rates rose every quarter from 2017 through 2025 (CIAB market surveys), and the average insurance cost per commercial building roughly doubled over the last decade. Not filing protected nobody’s renewal.
  • Insurers price your ZIP code’s hail, not your honesty.Catastrophe losses are priced by territory using storm models — actuaries do it that way on purpose, because one building’s history barely moves the math for a hailstorm. The storm that hit this building is already in the neighborhood’s renewals. The only open question is whether you got your money out of it.
  • What actually moves an individual rate is frequency — a pattern of repeated claims — not one storm loss. And a reported claim shows on the loss run even at $0 paid. If a storm is going on your record either way, be on it with a recovery next to your name, not a zero.
  • Do the asymmetry math. On a large commercial roof, the difference between filing and not filing is routinely six figures. A premium adjustment, if one even happens, is not — and carriers in the hail belt are already re-rating and non-renewing buildings on modeled storm risk, with zero claims filed.

We can’t promise your rate won’t move — nobody honest can, and a very large loss can affect your options at renewal. We just think you should make a six-figure decision with the file in your hand, not with a feeling the insurance industry spent billions putting there. Sources: how we know this.

Flat fees from licensed professionals. Never a percentage of your claim. Never a dime from you.

How we know thisWhy this is free