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Final Settlement: $46,798.18
Initial Incident
We hear this all the time: “I woke up to water on the floor that flooded out multiple rooms.”
That was exactly the case for this client. After waking up to discover water damage throughout their home, they quickly contacted their lender-placed insurance company to file a claim. The damage was caused by a cast iron pipe failure—a serious issue that typically results in extensive water intrusion and contamination in the home.
The client immediately took action by:
- Contacting their lender-placed insurance company to file a claim
- Beginning to assess the extent of the water damage in multiple rooms
The Insurance Company’s Response
Despite the clear extent of the damage, the insurance carrier reviewed the claim and determined that the loss fell under the deductible.
Their payout?
$0.00
This left the homeowner with no funds at all to repair water-damaged floors, walls, or personal property. The insurance company essentially denied coverage by way of underpayment, leaving the homeowner stranded.
This meant:
- No money was issued to repair flooring, walls, or other impacted areas
- The homeowner was left facing tens of thousands of dollars in repairs, with no support from the insurance they paid for
How We Helped
That’s when Coast 2 Coast Adjuster stepped in.
Once we were called in to take over the claim, we went to work immediately. Our process included:
- Performing a thorough inspection of all water-damaged areas caused by the cast iron failure
- Writing a comprehensive, professional estimate for the full scope of work
- Challenging the under-deductible determination
- Invoking the appraisal clause in the policy to remove the file from the desk adjuster’s hands and place it in front of two qualified, impartial appraisers
Once the claim entered appraisal, we ensured that every inch of the damage was documented and presented according to proper insurance standards and real-world repair costs.
The Final Result
Our client went from having $0 to repair their house… to a final, fair settlement of $46,798.18.
That’s a massive increase, and enough to get their home back to its pre-loss condition without having to go out-of-pocket for a problem that should have been covered in the first place.
Conclusion
Insurance companies often rely on underpayments and under-deductible rulings to close claims quickly. But that doesn’t make them right. Without proper representation, this homeowner would’ve been forced to handle all repairs themselves—despite having a valid policy in place.
Initial Offer: $0.00
Final Settlement: $46,798.18
Total Increase: $46,798.18
Percentage Increase: ∞%
It pays to have representation on insurance claims. This result proves it.
