After a wildfire, flood, or hurricane, most survivors spend months fighting insurers alone. Bright Harbor puts a trained recovery advocate in your corner from day one.
The average homeowner spends 14 months and $8,400 in out-of-pocket costs before a major claim is settled. Most leave 30-40% of their coverage on the table.
Insurers deny or underpay nearly one-third of disaster claims due to documentation gaps, missed deadlines, or policy misinterpretation.
Federal and state programs overlap confusingly, and most homeowners don't know which applications to prioritize or what deadlines to track.
Even insured homeowners often find their settlements fall short of actual rebuild costs — and most don't know they can appeal or negotiate.
You describe what happened. We pull your policy, map every applicable coverage type, and build your recovery roadmap within 48 hours.
We walk you through every document the insurer needs — photos, estimates, receipts, loss inventories — and flag missing items before they cause delays.
Your dedicated advocate tracks adjuster deadlines, responds to information requests, and flags underpayment on your behalf — not the insurer's.
We identify and apply for FEMA IHP, SBA disaster loans, state aid programs, and local grants — sequenced so each application maximizes the next.
Line-by-line review of your settlement offer against your actual policy limits. We catch underpayment before you sign a release.
Guided step-by-step assistance with FEMA Individual Assistance, SBA disaster loans, and state programs — with deadline tracking built in.
We verify contractor licenses, check complaint histories, and review bid scopes so you don't hire someone who disappears with your deposit.
Additional Living Expense (ALE) claims are among the most underpaid. We track every hotel night, meal, and storage cost for maximum reimbursement.
Denied or low-balled? We draft appeal letters, compile supporting evidence, and connect you to licensed public adjusters when escalation is warranted.
A personal dashboard tracks every open item, deadline, and document — so nothing falls through the cracks at 2 AM when anxiety peaks.
Most survivors wait weeks before asking for help. The sooner you start, the more options you have. Our first consultation is free.