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Final Settlement: $62,047.88
Initial Incident
After a severe storm caused roof damage and water intrusion, our client promptly filed a claim with their insurance company, expecting help to repair both the roof and interior ceiling damage. What followed was a frustrating display of neglect by the insurer.
The Insurance Company’s Response
The insurance carrier grossly underestimated the damage and issued a payment of just $382.64. According to their findings:
- Only 8 shingles were damaged and needed replacement
- There was allegedly no water intrusion or visible ceiling damage
- The estimate was based on an inspection that never involved entering the home
- The claim was handled entirely by a desk adjuster with no on-site evaluation
How We Helped
Coast 2 Coast Adjusters took immediate action:
- Conducted a thorough inspection and documented over 150 damaged shingles
- Captured and reported visible interior water stains from roof intrusion
- Initiated and managed the appraisal process, taking the claim out of the desk adjuster’s hands
- Served as both the Public Adjuster and Appraiser at no additional cost to the insured
- Presented an accurate scope of work that the insurer was forced to acknowledge in appraisal
The Final Result
Settlement Achieved: $62,047.88
That’s a 16,122.70% increase over the original offer — a difference of more than $61,000. This case highlights what can happen when a claim is mishandled from behind a desk, and the power of professional representation to secure a proper payout.
Conclusion
When insurance companies rely on shortcuts, homeowners pay the price. Coast 2 Coast Adjusters stepped in, challenged the lowball estimate, and delivered a full settlement that brought the property back to pre-loss condition — and peace of mind to the insured.
Initial Offer: $382.64
Final Settlement: $62,047.88
Total Increase: $61,665.24
Percentage Increase: 16,122.70%
