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When powerful hurricanes swept through Central Florida, my own office—the headquarters of Coast 2 Coast Adjusters—was hit hard. A tree fell on our tile roof, leading to extensive water intrusion that damaged nearly every major part of the building: the upstairs and downstairs offices, lobby, kitchen, hallway, carriage house, and garage.
Despite knowing I run a Public Adjusting firm, my own insurance company offered just $25,451—an amount that wouldn’t even cover the tile roof replacement, let alone the rest of the building. It was a clear underpayment, and I wasn’t going to accept it.
As the policy included appraisal rights, I invoked the clause and went to work on my own claim. After going through the proper process and presenting the full scope of damages, I settled the claim for $120,544.87 — a 373.3% increase from the original offer.
What I Did as a Public Adjuster:
- Reviewed my policy thoroughly and identified the appraisal clause
- Documented every area of damage with a detailed, professional estimate
- Demanded appraisal after receiving an insufficient initial offer
- Advocated on my own behalf just as I would for any client
- Negotiated a fair and full settlement that matched the true scope of loss
The Outcome:
- Initial Offer: $25,451
- Final Settlement: $120,544.87
- Claim Increase: 373.3%
- Covered: Roof, interior offices, lobby, carriage house, garage, and more
Why It Matters — Even for Me:
Not only am I the President of Coast 2 Coast Adjusters — I’m also a client.
This experience reminded me firsthand what we fight for every day: fair treatment, full payouts, and policyholder rights. If insurance companies will lowball a Public Adjuster, imagine what they try to do to everyday homeowners.
At Coast 2 Coast, we don’t just say we fight — we live it.
