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Final Settlement: $45,823.09
Initial Incident
Following a major storm event, our client’s home suffered significant water intrusion through both the roof and windows. Water entered the property, damaging multiple interior building materials and leaving the homeowner in a stressful and vulnerable position.
The Insured Trusted Their Insurance Company
As many homeowners do, our client trusted that their insurance provider would honor their policy and help get their home back to its pre-loss condition. Unfortunately, that trust was not returned.
- The insurance company issued an initial payment of just $3,341.02
- This amount was expected to cover both a roof replacement and interior repairs
Lack of Response and Refusal to Negotiate
Despite clear evidence of the extent of the damage, the insurance company:
- Refused to respond in good faith
- Made no effort to negotiate a fair or reasonable settlement
Our client was left with an underpaid claim and no path forward.
When the homeowner realized they weren’t being treated fairly, they contacted us to take over the claim. We immediately:
How We Helped
- Reviewed the policy and all communications
- Identified the insurer’s failure to adequately investigate the loss
- Triggered the Alternative Dispute Resolution clause, also known as appraisal
The Final Result
Once the claim entered the appraisal process, a neutral panel reviewed the evidence and determined a fair settlement.
- The final settlement was $45,823.09
- That’s an increase of over 1,270% from the original insurance offer
Conclusion
Our client paid faithfully for their policy—and when the insurer didn’t live up to their end of the agreement, we made sure justice was served.
If your insurance company isn’t treating you like a good neighbor, call us. We’ll fight for what you’re owed.
