Hurricane Ian Damage – Carrier Estimated $163.83, We Settled for $41,860.59

Final Settlement: $41,860.59

Initial Incident

The insurer’s handling of the claim:

• Left the homeowner unable to repair hurricane-related damage
• Failed to inspect the roof or the interior of the home
• Issued a severely undervalued estimate
• Attempted to close the claim without properly assessing the true storm damage

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 stepped in and took immediate action:

• Requested a reinspection, citing the original adjuster’s failure to inspect all damage
• Performed a thorough on-site evaluation, documenting both roof and interior damage
• Prepared a complete and accurate repair estimate
• Negotiated directly with the insurer to secure a fair settlement

The Final Result

Settlement Achieved: $41,860.59
That’s an increase of $41,696.76 over the original estimate — enough to cover all repairs and restore the home to pre-loss condition.

Conclusion

This case shows how inadequate inspections can lead to severe underpayment. Coast 2 Coast Adjusters uncovered the true extent of the hurricane damage, challenged the initial “under deductible” estimate, and delivered a fair settlement for our client.

Initial Offer: $163.83
Final Settlement: $41,860.59
Total Increase: $41,696.76
Percentage Increase: 25,551.24%