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Final Settlement: $26,500
Initial Incident
One of our clients, a professional plumber, discovered water under his kitchen sink while cleaning — water that hadn’t been there the day before. Acting quickly, he went to Home Depot the same day and repaired the leak himself.
He promptly filed a claim with his insurance company, expecting coverage for the resulting damage. Instead, the insurer denied the claim, stating it was a “long-term water loss” that had allegedly been ongoing for weeks or even months.
The Insurance Company’s Response
The insurer’s denial:
- Cited “weeks to months” of ongoing water damage
- Offered no payment (claim denied)
- Ignored the fact that the insured discovered and fixed the leak immediately
- Failed to reconcile their claim with the absence of mold growth
How We Helped
Coast 2 Coast Adjusters took over the case and immediately saw red flags:
- Inspected the property and confirmed no mold growth — impossible for a months-long leak
- Demanded a reinspection from the insurance company
- Forced the insurer to explain their “long-term damage” claim in light of the physical evidence
- Wrote a detailed, accurate estimate for all repair costs
- Negotiated the claim from a full denial to a covered payout
The Final Result
Settlement Achieved: $26,500
That’s a complete turnaround from the initial $0 denial — ensuring the homeowner could repair their kitchen without paying out-of-pocket.
Conclusion
This case highlights the value of experience in public adjusting. Coast 2 Coast Adjusters challenged a bad denial, proved the insurer’s reasoning was flawed, and secured full coverage for our client.
Initial Offer: $0
Final Settlement: $26,500
Total Increase: $26,500
Percentage Increase: From nothing to full coverage
