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Final Settlement: $236,750.40
Initial Incident
After a devastating fire, the insured hired a general contractor to handle mitigation and rebuilding. Despite extensive damage, the insurance company undervalued the claim, leaving the homeowner without sufficient funds.
The Insurance Company’s Response
- Offered only $157,332.54 to cover fire and smoke damage.
- Ignored IICRC standards followed by the general contractor.
- Relied on a desk adjuster with no fire restoration experience.
- Severely underestimated the true cost of mitigation and rebuild.
How We Helped
Coast 2 Coast Adjusters stepped in and took immediate action:
- Leveraged our Master Fire Restorer expertise to assess the full scope of damages.
- Ensured all smoke, fire, and rebuild requirements were properly documented.
- Represented the insured as their appraiser in the appraisal process.
- Worked with the opposing appraiser and umpire to reach a fair settlement.
The Final Result
Settlement Achieved: $236,750.40
The claim was settled for $236,750.40, ensuring full coverage for fire restoration and rebuild—over $80,000 more than the insurance company’s original payment.
Conclusion
This case shows how carriers often undervalue complex fire losses when handled by inexperienced adjusters. With Coast 2 Coast’s fire restoration expertise, the insured received the true value of their claim.
Initial Offer: $157,332.54
Final Settlement: $236,750.40
Total Increase: $79,417.86
Percentage Increase: 50%
